Basic insurance liability, as the main critical illness insurance product of Taikang Life Insurance, Health 100% D is an upgraded version of version C, which increases the number of critical illness insurance.
Annuity conversion right, taking care of illness, minor illness, death and minor illness exemption, seems to be fully guaranteed, but the market competitiveness is not great, similar to the market.
Compared with critical illness insurance, the premium is much more expensive. The simple understanding of the increased annuity conversion right is that it is reasonable when the insurance is reduced.
Compensation or surrender money will be converted into an annuity, which will be collected year by year. In fact, many products have this function. It can be seen from your photos that you are 34 years old.
Pay 20 years, lifetime guarantee, and the annual premium is 6020 yuan. How much principal can I get at maturity? This product is guaranteed for life, so
The definition of maturity, if it has been paid for 20 years, can only be obtained by canceling the contract and understanding the cash value of the policy, from the second picture.
The cash value table shows that the principal can be recovered in 3 1 year. This product pays more attention to protection, but the responsibility is really general.
The waiting period is 180 days, and the waiting period of most seriously ill products on the market is 90 days, which means that the insurance liability will not be compensated during this period.
The shorter the waiting time, the better for customers. If the contract is terminated once due to serious illness, most of the products with serious illness on the market will be compensated by the group for many times due to serious illness.
Even some joint venture companies have repeatedly failed to compensate for serious illness. For example, unfortunately suffering from cancer, Taikang product contract was terminated after compensation.
Other products can also pay for acute myocardial infarction, stroke sequelae, coronary artery bypass grafting, end-stage renal disease and so on. , and the market can only
Six-fold compensation, the proportion of mild illness compensation is 20%, and most products on the market are 30%, with a maximum of 45%. The second payment for malignant tumor and cardiovascular and cerebrovascular diseases.
This product has no liability such as secondary compensation. The most terrible thing is "expensive", which is 20%-30% more expensive than similar products. Buy it.
This product is that you have a brand preference, you have a mine at home, and you can buy it without bad money. Taikang's pension community is doing well, but the critical illness insurance really has no advantage.