It is a group critical illness insurance newly launched by Taikang Pension. 70-year-old can still be insured, life-long protection.
Single payment for serious illness, up to 6 times for mild illness, 20% of the insured amount for each payment, and the insured amount for death.
Generally speaking, the guarantee is sufficient and the price is affordable, which is suitable for friends who prefer big companies.
However, because it is a group insurance, the purchase is relatively troublesome, and the specific operation process needs to consult the relevant salesman.
First, product overview Let's take a look at the basic content of this product:
The table roughly summarizes the product profiles of health care products companies around 20 19. Now let's learn more about its protection content.
Guarantee content
(1) Critical illness protection
Including 1 15 kinds of serious diseases, one-time payment. In case of serious illness in the first ten years after the policy takes effect, 50% of the insured amount will be paid extra, which increases the protection.
In addition, the industry has unified regulations on the protection of critical illness.
Whether it is 80 kinds of serious diseases or 100 kinds of serious diseases, the definition of the first 25 kinds of diseases is the same for all insurance companies. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
25 kinds of serious diseases Legally, in all claims cases,
It has accounted for about 95% of all critical illness insurance claims, so there is no need to analyze critical illness here.
(2) Minor illness protection
There are uniform regulations for serious diseases in the industry, but there is no uniform standard for mild diseases, and different companies will be different.
We should pay attention to whether the product contains mild symptoms with high incidence. The protection of this product for mild symptoms is as follows:
As can be seen from the above picture, the mild symptoms of this product are basically covered, and the protection for mild symptoms is also good.
Atypical myocardial infarction and coronary intervention definitely exist, and minimally invasive coronary artery bypass grafting is the icing on the cake, otherwise I think it is acceptable. It is worth noting that the interval between multiple payments for mild illness of this product is 90 days, and there is no interval between multiple payments for mild illness of most products on the market, so this is one of his minor shortcomings.
(3) Other guarantees
Death compensation: the amount of death compensation. If the insured dies unfortunately in the first 10 years after the policy comes into effect, you can get an additional 50% of the insurance amount; Exemption from bringing the insured with you: If the insured is unfortunately suffering from mild illness, he can be exempted from paying the remaining premium, but the protection is still there. Reduce the insured amount: after the hesitation period, if the insured wants to adjust the insured amount for economic reasons, he can apply for reducing the insured amount and receive the cash value of the reduced insured amount. After reducing the insured amount, the premium will also be reduced accordingly. Deduction settlement: if the insured cannot continue to pay the premium for other reasons, but does not want to lose the protection. Then you can use the existing cash value of the policy to pay the premium in one lump sum, and the insurance company recalculates the insured amount, so that the guarantee will continue to exist. The premise of enjoying the reduced payment service is that the insured does not have an insurance accident agreed in the contract. Choose to receive cash value in installments: you can choose to receive cash value in one lump sum or convert it into annuity insurance. Shen Lanjun doesn't recommend that you receive the cash value in one lump sum, because it is equivalent to surrender, which will lead to the loss of protection for the insured friends and the loss of our original intention to buy critical illness insurance. If you still choose to receive cash value, it is not recommended that you turn to annuity insurance, because the value-added effect of annuity insurance in the market is generally not good, so personally, I think that the protection of "receiving options in cash value by installments" is relatively tasteless. Second, healthy about 20 19 healthy about 20 18. Relative to the health degree, the health degree is about 20 19, which is an upgraded version of the health degree, so let's see where the health degree is about 20 19.
In contrast, the upgrade can be summarized as follows:
The number of serious diseases increased: the number of healthy serious diseases increased from about 20 19 to115; Extra compensation for serious illness/death: the health insurance is about 2,065,438+09, and the compensation for serious illness/death in 65,438+00 years before the policy is increased, and the extra compensation is 50% of the insured amount; Increased the number of compensation for minors: the number of compensation for minors increased to six, and the compensation ratio remained unchanged; Policy-holder exemption: Policy-holder exemption can be added, and the premium after minor illness/severe illness/total disability/death can be exempted; Premium: Health is about 20 19. It can be said that many aspects have been upgraded, but the premium has not increased. The premium for 0-year-old children is still a little cheaper and very competitive. Third, comparison of similar products After comparing the health of about 20 19 with that of about 20 18, let's take a look at the comparison with similar products. What is the health cost performance ratio around 20 19?
In order to give you a more comprehensive understanding, Shen Lanjun selected the products of three other "big companies" and 1 small companies for comparison.
Draw a direct conclusion:
Pursuit of big brands: health accounts for about 20 19 of the products of big companies, with excellent cost performance and comprehensive protection, with extra compensation for serious illness/death and 50% insurance coverage; Pursuing overpayment for cancer: Guohua Life Insurance's good medical insurance and critical illness insurance have three times the cancer insurance premium, which can meet the demand; Pursuit of high performance-to-price ratio: Lekang E-health has 20 19 full guarantee, including serious illness, moderate illness and minor illness, and the compensation amount for minor illness is increasing. If you need multiple cancer payments, you can also attach additional cancer payment protection. Generally speaking, health is about 20 19. This product has comprehensive protection and preferential premium, and it is a critical illness insurance with high cost performance.
However, this product is group insurance. If the company has such benefits, it can be directly insured; If individuals want to buy separately, they can further consult the sales staff of Taikang Pension.