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Love health 2.0 youth edition is worth starting with? I advise you not to worry! 》
First, love health 2.0 youth version of critical illness insurance advantages and disadvantages analysis
Not much to say, let's look directly at the protection map of Love Health 2.0 Youth Edition:
Love Health 2.0 Youth Edition Critical Illness Insurance Protection Map
If you only look at this protection map, Love Health 2.0 Youth Edition still has many merits.
1, advantages
(1) The guarantee content is flexible and optional, thus reducing the premium pressure.
Unlike those products with mild symptoms, the mild symptoms in Love Health 2.0 Youth Edition are optional, and to some extent, our premium pressure has been reduced a lot.
Some people here may be more worried. If mild and moderate diseases are not attached, will the protection be one-sided? It is definitely not comprehensive. Because the early and middle stages of serious illness are relatively mild, the probability of cure after discovery will be higher, which can reduce the probability of becoming a serious illness.
Therefore, unless your budget is very low, you can spend it above 1800 yuan, and you must add mild and mild symptoms.
And just like those affordable products, it doesn't cost much to add a mild illness and eat less hot pot, and the money saved is enough. I made a general report on these products, which you can refer to:
Inventory of Top Ten Cheap and Good Critical Illness Insurance
(2) Additional protection for special/rare diseases of children can be provided.
In the case of sufficient funds, you can also consider joining this guarantee while insuring your child for the Youth Edition of Love Health 2.0.
Love Health 2.0 Youth Edition aims at children's high-incidence diseases, such as leukemia, hand, foot and mouth disease and so on. It's really unfortunate that children suffer from these diseases. In addition to 65,438+000% of the basic insurance amount, the insurance company will also pay 65,438+000% of the basic insurance amount, totaling 200%.
If the child is an adult, it is not recommended to attach this guarantee. As for the reason, it is very troublesome to explain. If you want to know more reasons, you can come to Aite me backstage, so I won't talk nonsense here.
2, insufficient
The shortcomings of Love Health 2.0 Youth Edition mainly include the following points:
(1) The insured age is not high
Love Health 2.0 Youth Edition supports very few age groups, only people aged 0-40 can, while the average market level is about 0-60 years old, and even some products can be insured until 75 years old.
Although the older you get, the higher the risk of getting sick, but the insurance age of the youth version of Love Health 2.0 is too low, but it is not very friendly for the family pillars in their forties to buy.
(2) The guarantee period lacks lifelong guarantee.
Although the guarantee period is very flexible, you can choose according to your own needs, but life-long guarantee is really not available in the Youth Edition of Love Health 2.0.
Life insurance may be a bit expensive, but the protection of life insurance is still great. According to statistics, when a person is 60-80 years old, the probability of suffering from serious illness is as high as 70%!
Term insurance can buy a transition first, aiming at people with insufficient budget. But in the later stage, if their budget is enough, I believe many people will choose to buy life insurance, not for other reasons, just to make their families easier and richer in the future.
However, it is this love for health that now only has regular protection, which is not suitable for people who want to have comprehensive protection.
(3) There is no secondary compensation for malignant tumor and cardiovascular and cerebrovascular diseases.
Just like that kind of malignant tumor, not only the recurrence rate is high, but also the incidence rate is high, as is another cardiovascular and cerebrovascular disease.
For example, according to the newly diagnosed solid tumor in China, the incidence of this malignant tumor is 60% one year after operation, and more than 80% of patients die from tumor recurrence and metastasis. The high incidence of recurrence and metastasis is within 1~3 years after discharge.
Everyone must have the second compensation guarantee for this kind of high incidence and serious illness, that is, they can be prepared.
Unexpectedly, Love Health 2.0 Youth Edition has no relevant guarantee. This situation is true, a little unreasonable!
So far, we have known its advantages and disadvantages. The most important question is, is it worth having?
Second, Love Health 2.0 Youth Edition Insurance Suggestions
In short, the cost performance of Love Health 2.0 Youth Edition can only be said to be average, not too high. Although there are basic guarantees, the insurance requirements can be said to be very strict. Not only does it not guarantee life, but it only supports restricted people aged 0-40. This insurance does not have the protection of secondary compensation for malignant tumors and cardiovascular and cerebrovascular diseases, which is very bad.
If you think these products can't satisfy you, maybe you can listen to me to introduce other critical illness insurance products, all of which are popular in the market. There are 136 models to choose from, and there must be one you can value:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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