(1) Extra compensation for self-contained serious illness Now many serious illness insurances on the market have this responsibility, which can improve the protection of serious illness. The health contract version also has this responsibility, and the threshold is low and the proportion of compensation is high. If the insured is diagnosed with serious illness 20 years before the insurance policy, he can get an additional 50% basic protection.
(2) Additional compensation for death If the insured dies at the age of 18 years in the first 20 years of the policy, the insurance company will pay 150% of the basic insurance amount.
(3) Flexible payment term. The premium of this product can be paid in batches, annually, or at the age of 50, 55 or 60. The long payment period can reduce the payment pressure of the insured.
(4) Wide coverage age. Most of the critical illness insurance in the market only supports people around the age of 60, and it is more difficult for the elderly to buy critical illness insurance. This product can support up to 70-year-old people to insure.
2. Product defect introduction
(1) The new regulations on critical illness insurance for non-in-situ cancer protection do not require compulsory critical illness insurance, but many insurance companies still choose to protect cancer in situ. However, the mild symptoms of this product do not include cancer in situ.
(2) Strictly define the waiting period. If the insured is diagnosed with mild or moderate illness during the waiting period, not only will the insurance company not compensate, but the insurance contract will be terminated by refunding the premium. Products with loosely defined waiting period usually just don't pay compensation, and the protection is still effective, and compensation can still be made after serious illness.
What are the highlights of the selected version of Taikang Health Contract Protection Plan?
First, 20 years of gold _ (extra compensation for serious illness) 150% of the basic insured amount occurred in the first 20 years! Buy 500 thousand critical illness insurance at the age of 30, and 750 thousand will be guaranteed at the golden age of 30-50. At this age, there are old people in the world and young people in the world, and the mortgage and car loan are all on you. It is not only stressful, but also a period of high incidence of serious illness. Adequate protection is very necessary! If the newborn baby buys 500,000 critical illness insurance, it will have 750,000 protection before the age of 20, and childhood is also a high incidence of childhood diseases such as leukemia.
Second, some diseases are confirmed to cancel the age limit! Blindness and deafness are always in danger within 3 years old, and the insurance company will not pay for it. This new product upgrade will first break the restrictions, and the age limit will be lifted for 6 kinds of serious diseases and 3 kinds of mild diseases, so that customers can feel more at ease!
Third, the new Chinese-style disease protection In the products of large companies in the past, there was a * * * that only protected serious diseases and minor diseases. This is also a breakthrough in increasing the number of diseases in China, and the number of diseases has increased to 200! Mild illness insurance coverage has also increased from 20% to 30%!
Fourth, whether to increase the price or not! Under the new regulations of critical illness insurance, the critical illness insurance products in the insurance industry have increased by about 15% on average, but the selected version of health contract has not increased in price, and the interests of customers are protected only by reducing the cash value. The cash value of previous health contract products is higher than that of products in the same industry!
Fifth, finally, I have to mention the multiple payments for malignant tumors! Under the current medical level, the survival rate of cancer for more than 5 years is very high. From 20 19, domestic insurance began to study the supplementary payment for serious illness and multiple payment for cancer in Hong Kong insurance. After paying for serious illness, the insurance policy will remain valid, and the new occurrence, recurrence, persistence and metastasis of advanced malignant tumor can be paid twice, each time 100% basic guarantee. Can increase the exemption of the insured (mild, moderate, severe, dead, total disability); Long-term accident insurance can be guaranteed for life (the premium is very cheap, that is, there can be millions of accident protection) _ _ The most comprehensive and cost-effective product among the products of large companies.
Sixth, Taikang health has an appointment with H, also known as health appointment. It is a group-insured serious illness insurance, covering 200 diseases, including 125 serious diseases, 25 moderate diseases and 50 mild diseases. The coverage is relatively comprehensive, basically covering all the processes of the development of serious diseases and high-incidence diseases. You can pay an extra 50% for serious illness and death, and you can also choose additional insurance for cancer and long-term accidents, so the insurance has certain flexibility.