Is Taikang enjoying health 2020 critical illness insurance worth buying?

Taikang Lexiang Health 2020 critical illness insurance has been discontinued, but Taikang Lexiang Health 2023 (adult version) is still on sale. As for whether it is worth buying, it depends on your needs. If you feel that the guaranteed content of the product meets your needs, you can consider buying it. I have compiled a list of popular critical illness insurance before, and you can compare it: the top ten most popular critical illness insurance stocks worth buying!

Let's take a look at the protection content map of this product first:

As can be seen from the figure, Taikang Lexiang Health 2023 (Adult Edition) only supports 18-70-year-old adults to apply for insurance, with a lifetime guarantee period and a waiting period of 180 days. Moreover, the coverage covers serious illness, minor illness, premium exemption, terminal illness insurance and high disability/death insurance, which is relatively comprehensive.

Moreover, Taikang Lexiang Health 2023 (Adult Edition) has many choices and flexible payment periods. In addition to supporting wholesale payment, it also supports 3/5/10/15/20/25/30 years payment, which can meet the budget needs of different groups. If you don't know how to choose the payment period, I suggest reading this article: How to choose the payment period without losing money?

However, it should be noted that Taikang Enjoy Health 2023 (adult version) only pays 50% for China's disease, while some serious illness insurance on the market can reach 60%. In contrast, it is 10% less. Although it may not seem like a lot, it will be a lot if the insurance coverage is more. I suggest you compare other critical illness insurance products on the market and do it again.

Want to know the detailed evaluation content of this product, you can take a look at this article: Taikang enjoys health in critical illness insurance 2023 (adult version)! Look at it before you buy it.

Hope to adopt!

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