Analysis of health advantages and disadvantages of Taikang Hui? Is it worth buying? I didn't know until I saw it.

Health critical illness insurance is the most important critical illness insurance product of Taikang Life Insurance. This product mainly provides protection for serious diseases, mild diseases, specific diseases, death/high disability, etc. The product shape is consistent with the previous healthy 100% D model. So whether this product is good or not, let's take a look at the advantages and disadvantages analysis of Taikang Hui Health.

Advantages and disadvantages of Taikang Hui's health

1, product advantages

(1) Complete disease protection

Taikang Hui Health provides 120 severe diseases +60 mild diseases+1 specific diseases, with many kinds of diseases and complete protection. It also provides the insured with death/total disability protection, terminal illness protection and minor illness exemption, which can meet the protection needs of most policyholders.

(2) 1 year premium can be paid less.

Taikang Hui health insurance premium can be paid in 19 or 29 years. Under the same security conditions, 0-year-old boys need to pay 100% D health insurance, 3950 yuan per year. After 30 years, they need to pay 1 1850 yuan, while the 0-year-old boy needs to pay 4,000 yuan of insurance, so they need 1650 yuan. It can be seen that the total premium of Hui Health is relatively low.

(3) Excellent protection for minor diseases

Taikang Hui Health provides 60 kinds of mild illness protection, and can be compensated for 5 times in total. There is no grouping, no invisible grouping, and no suspicion of making up the number.

2. Product shortcomings

(1) The age requirement for insurance is strict.

The insurance age requirement of Taikang Hui Health is 0-45 years old, and people over 45 years old cannot be insured, which is a great regret of this product.

(2) Long waiting time

The waiting period of this product is 180 days, which is relatively long. However, if a mild case is diagnosed during the waiting period, the insurance company will not bear the insurance responsibility, but the policy is still valid.

The above analysis of the advantages and disadvantages of Taikang Hui's health, I hope it will help you. The above viewpoints can be used for reference, but there is still some one-sidedness about the actual insurance. Therefore, it is suggested that when choosing products, you can find a reliable insurance consultant and let them make a feasible insurance plan for themselves in combination with the actual situation. Under the guidance of professionals, Hua Cuo can avoid buying the wrong protection.