Before understanding the specific content of loving health, we can review the general situation of China Merchants Cigna Insurance Company:
How about China Merchants Cigna? Is it reliable? What are the advantages and disadvantages of the product?
1. What is the performance of China Merchants Cigna's lifelong critical illness insurance?
Let's take a look at the protection map of love and health:
The content of love health insurance is not particularly complicated. At present, apart from serious illness, there are only mild illness and death. This guarantee is too simple:
1.？ Lack of traditional Chinese medicine protection
Love to enjoy health does not provide vital protection for Chinese medicine! This is really a bit unsatisfactory. The protection of middle illness has become the standard of critical illness insurance in the market, just like minor illness and major illness, it is regarded as the basic protection content of critical illness insurance.
If there is China's disease in the insurance, consumers will definitely be better. After all, not everyone will be diagnosed with a serious illness at once. Mild or severe cases may also be diagnosed. If the content of TCM protection is missing, it will be very unfavorable to our protection.
For example, when Xiao Ming was 30 years old, he was equipped with critical illness insurance, with a coverage of 65,438+10,000. After waiting, he discovered a kind of China's disease.
If the insurance previously insured is Versailles 1, then the first diagnosis of the disease can pay an extra 60%+ 15% of the insured amount, and a * * * can get 75,000 yuan; If we choose to enjoy good health without the protection of Chinese medicine, then the compensation ratio is very small, which is very loss for us.
2.？ Pay less.
There are still many problems in the protection of minor illness and serious illness in Jian Kang, Ai Xiang!
The first thing mentioned is the critical illness insurance, which can only pay 100% of the insured amount, only 1 time, and there is no additional compensation for critical illness. Let's take a look at other excellent critical illness insurance. Take Versailles 1 as an example, it sets the coverage of 80% before the age of 60, and Kanghuibao flagship version 2.0 also sets the coverage of 60% before the age of 60, which is a prominent critical illness insurance payment level in the market at present.
Mild illness protection, although it is said that the total compensation is three times, but it has also set a one-year interval, which is too much. Generally speaking, critical illness insurance will not set any interval for the payment of minor illnesses, and setting an interval will make it much more difficult to pay. So we come to the conclusion that the protection of loving health is nothing outstanding.
Want to know how Ai Xiang Jian Kang performs in the critical illness insurance market, just look at the comparison table:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
2. Does China Merchants Cigna recommend health lifelong critical illness insurance?
According to the above analysis, we can draw a conclusion that without the protection of China's disease, it is not comprehensive to enjoy health protection, not only the compensation for serious illness is not in place, but also the compensation for mild illness, and there is really nothing brilliant.
Not only that, there are some other problems in enjoying health. For example, the payment period option is only 10 or 15, and people with unstable income will have some thresholds when they apply for insurance, so they cannot choose the payment period flexibly.
If you want to be insured and enjoy health, you need to meet many conditions. You can only buy 400 thousand at most, and you can only insure some first-and second-tier cities within the specified range. To sum up, senior sister thinks that the product of "Love to Enjoy Health" is relatively common as a whole. If you are a friend who wants comprehensive protection and more favorable treatment, Senior Sister recommends that you look at other relatively good critical illness insurance products.
Senior sister has selected several better products from many critical illness insurance in the market. Don't miss:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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