Method 1: See if the product guarantee is comprehensive.
According to the requirements of the new regulations on severe diseases, 28 kinds of severe diseases and 3 kinds of mild diseases must be included in the critical illness insurance. These are serious diseases with high incidence, and the claim settlement rate accounts for more than 95%. Other diseases and coverage are defined by insurance companies. For us, products with more comprehensive protection and higher compensation ratio are more beneficial. Let's take Taikang Lexiang Health (Shuanghui Adult) critical illness insurance as an example:
1. Coverage: including 120 kinds of serious diseases, 20 kinds of moderate diseases and 40 kinds of mild diseases, in which the serious diseases are only compensated once, and the mild and moderate diseases are not grouped for multiple times, and can be compensated three times and six times respectively. In addition, there is also a responsibility for death, and you can choose to pay for multiple serious illnesses, up to 5 times.
2. Payment ratio: serious illness can be paid 100% of the insured amount, mild illness can be paid 25%, and moderate illness can be paid 50%.
Method 2: See if the product highlights are outstanding.
There are many critical illness insurance products in the insurance market, and the competition is fierce. If the product has no outstanding highlights, it is difficult to stand out among similar products. We can focus on characteristic protection, additional responsibility, cost performance and so on. Let's take Taikang Lexiang Health (Shuanghui Adult) critical illness insurance as an example:
1, additional medical insurance is good: hospitalization insurance can be added, which is a small medical insurance, which can meet the medical expenses of minor illnesses and pains, and the renewal conditions are not bad, which can guarantee the renewal of insurance for 3 years. You can also add health benefits 202 1, which is a million medical insurance. There are four protection plans to choose from. The medical scope has expanded Taikang's own hospital, and the special needs department, international department and VIP department can also choose. The renewal conditions of this product are also very good, and it can be guaranteed to be renewed for 20 years.
2. You can choose to pay multiple times for serious illness: you can enjoy multiple serious illness insurance, and you can pay up to 5 times for serious illness, which is reasonable in grouping. Malignant tumor-only invasive hydatidiform mole is included in the same group.
Method 3: Look at the product details.
Critical illness insurance is a complicated insurance, with many insurance clauses and many places to pay attention to. Let's take Taikang Lexiang Health (Shuanghui Adult) critical illness insurance as an example:
1, bundled death liability: the death protection of this product is mandatory, which reduces the flexibility of insurance and will increase the premium.
2. Proportion of compensation for mild and moderate diseases: Many products on the market can compensate 30% and 60% of the insured amount for mild and moderate diseases, and some products have additional liability for compensation. This product only pays 25% and 50% of the insured amount.
3. The premium rate is relatively high: the insured amount is 500,000 yuan, which is guaranteed for life, and the premium is paid in 28 years, excluding optional liability. Annual premium for 30-year-old men 1 1950 yuan, and annual premium for 30-year-old women 165438 yuan.
This paper introduces the advantages and disadvantages of Taixiang Health (adult double protection) critical illness insurance. I hope the above content is helpful to you.