Before the test, compare the products to be evaluated with the popular critical illness insurance:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
Open the true face of 202 1 Taikang first!
Don't say anything useless, senior. Let's have a look at the treasure map first:
Taikang Life Insurance introduced a unisex critical illness insurance to the market. Its name is 202 1. After the guarantee, the premium will be returned to you. It looks good, but there are many places to pay attention to.
1, critical illness protection
In terms of critical illness protection, what 202 1 Taikang really guarantees is the basic amount of critical illness compensation.
Other people's good critical illness insurance not only provides additional compensation for critical illness, but also reaches 80%. Compared with other insurances, the performance of 202 1 Taikang Treasure still has room for improvement. After all, the final compensation gap is a bit big.
2. Protection of mild diseases.
202 1 Taikang Treasure pays 20% of the insured amount for 60 kinds of mild diseases, and most other serious illness insurances can reach 30%. 202 1 Taikang Treasure is different from them 10%.
Not only that, some products will pay extra for mild diseases, so everyone needs to pay attention to the proportion of compensation.
Second, pay attention to these points that 202 1 Taikang really guards.
1, basic security
202 1 Taikang real prevention and treatment of Chinese diseases. As we all know, the standard of a critical illness insurance is critical illness+moderate illness+mild illness, and some products will cover pre-illness protection.
Because there are few products that can cover pre-illness protection, many people simply don't understand this protection. Next, the senior sister will give you a popular science:
"Pre-illness" protection was born? What is a hunch? Is it worth buying? 》
However, 202 1 Taikang Treasure actually has no guarantee for China people's diseases. In this case, the threshold of serious illness is higher and the probability of compensation is greatly reduced.
2. cost performance.
202 1 Taikang Treasure is a refundable critical illness insurance, and the premium will be slightly higher than that of consumer and savings critical illness insurance. We need to evaluate whether our budget is suitable for buying this product.
If a man buys this insurance with a coverage of 300,000 when he is 30 years old, the premium will be paid for 20 to 90 years old, and the annual premium will be more than 9,000 yuan, which is almost 1 10,000 yuan.
This is undoubtedly a great pressure for the average family.
On the whole, Taikang Critical Illness Insurance 202 1 Taikang Treasure needs to pay attention to the problems of no extra compensation for serious illness, the proportion of compensation for minor illness, and the lack of protection for middle illness. If you need to buy Taikang's critical illness insurance, you need to consider it comprehensively.
If you don't know what critical illness insurance products to buy, Senior Sister suggests that you can look at the products on this list, and there may be products suitable for you:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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