Taikang Life Insurance, the first-line veteran insurance company camp, launched this traditional critical illness insurance that protects 100 diseases, which is a major innovation of the veteran insurance company camp. In addition, there is the function of exempting the premium for minor illnesses, and all the projects have hit the soft underbelly of traditional established insurance companies. Taikang Life Insurance went further. The insurance age of "100% health" is extended to 70 years old, and 30% of the main insurance is paid for minor illnesses. It also stands out in the mainstream insurance product line with fierce competition and has its own competitive advantage.
3.2 Compare the advantages and disadvantages of other products
In terms of premiums, a healthy life has the most advantages. According to the 30-year-old male who has been insured for 20 years 1 10,000, the insurance premium rate of health 100% is the highest, which is 20% higher than that of Le 'ankang and 30% higher than that of health life insurance.
The security responsibility of "100% health" adds 10 kinds of serious diseases and 8 kinds of mild diseases on the basis of "Le Ankang". After the previous analysis and comparison, the weight of the increased serious illness in the compensation data is low, and it has no obvious significance to ordinary people except the people who are particularly concerned. Eight new mild symptoms, such as stroke sequelae (mild symptoms) and brain injury (mild symptoms), account for a certain proportion of compensation, which is of great significance.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.