Before the evaluation begins immediately, Senior Sister presents a comparison table between Enjoy Health 202 1 (Adult Edition) and many critical illness insurances in China:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
First, enjoy health 202 1 (adult version) advantages and disadvantages analysis
Stop being polite. Let's share with you the protection content map of Enjoy Health 202 1 (adult version):
After reading the pictures, Lexiang Health 202 1 (Adult Edition) is rich in basic protection, which not only provides protection for serious illness, moderate illness and mild illness, but also covers protection for death/high disability/terminal illness. So what are the advantages and precautions of this version of Enjoy Health 202 1 (adult version)?
Advantages:
1. The maximum age of the insured is 70 years old.
At present, the maximum age of most critical illness insurance on the market is set at 60 or 65. At the same time, the maximum age of Lexiang Health 202 1 (adult version) is 70 years old, which actually opens the insurance authority for the elderly, so that they can also buy critical illness insurance.
2. Flexible payment period
Enjoy health 202 1 (adult version) has eight payment methods to choose from. You can choose not only wholesale payment (one-time payment), but also periodic payment, such as once every three years, once every 10 years, once every 30 years, etc. And the payment methods are diversified and selective.
If you have a strong ability to pay and want to pay the insurance premium as soon as possible, you can choose a shorter payment period, and the total premium will be less, which can also save the trouble of paying the insurance premium every year.
If people with average economic conditions or limited budget can choose a longer payment period, the annual premium will be less, the economic pressure will not be great, and the premium exemption clause will be easier to trigger, just as the insured unfortunately suffers from moderate or mild diseases and the later premium will be exempted.
If you still don't know how to choose the payment term, then this article can help you:
"How to choose the payment period so as not to lose money? 》
It should be noted that:
1. As far as the safety of China disease is concerned,
Moderate disease refers to a disease with a severity between severe disease and mild disease, and the total treatment cost is as high as10-200,000. At present, in most of the critical illness insurance products on the market, the proportion of compensation for moderate diseases has reached 50%~60%, and the number of compensation is set at most twice.
Lexiang Health 202 1 (adult version) can only compensate 1 time, and can only provide 50% compensation ratio, which is not much, so everyone should pay attention to the protection.
2. The proportion of compensation for minors.
Many diseases are mild at first and gradually develop into serious diseases. If it can be found and treated in time, the risk of developing into a serious disease can be prevented in time, and the proportion of compensation will be higher than before. The more compensation we can get, the better treatment options we can choose.
However, Lexiang Health 202 1 (adult version) only pays 25% of the basic insurance amount, which is not up to the standard of 30% on the market.
Although the insured of Lexiang Health 202 1 (adult version) can enjoy up to 6 compensations when suffering from mild illness, the proportion of compensation is relatively low, and it can be paid for 5 times, so it is of little significance to us.
3. Waiting period
It should be noted that the waiting period of Lexiang Health 202 1 (adult version) will end on 180 days.
Because the claim occurred in the waiting period, the insurance company did not pay a penny. Of course, there is no waiting period for insurance accidents caused by accidents.
Moreover, if moderate or mild illness occurs during the waiting period specified in Lexiang Health 202 1 (Adult Edition), no relevant compensation will be provided, and the validity of the contract will be extended.
There is usually no such strict critical illness insurance. If you have moderate or mild illness, you are still waiting, but you do not bear the insurance responsibility for this disease. However, protection against other diseases is still effective. In comparison, in fact, we should pay special attention to the provisions in the waiting period of Health 202 1 (adult version).
Second, enjoy health 202 1 (adult version) Is it worth buying?
On the whole, we can find that the basic protection content of Lexiang Health 202 1 (Adult Edition) is relatively comprehensive, with flexible payment period and high insurable age, but we should pay attention to the protection of China's diseases, the proportion of minor illnesses and the waiting period.
Moreover, the premium of Enjoy Health 202 1 (adult version) is still very expensive. If you buy 300,000 insurance coverage, a 30-year-old person can be insured for a lifetime in 30 years, and the annual premium can reach 6,000 to 7,000. The cost performance is a bit low, so there is no need to start.
If you want to find comprehensive and cost-effective critical illness insurance, Versailles plus meets the requirements. There are both comprehensive basic guarantees and rich optional responsibilities. Best of all, the compensation for serious illness, moderate illness and minor illness is very good. Before the age of 60, the maximum compensation for serious illness 180% basic guarantee is the same as that for enjoying health 202 1 (adult version). The cost performance is very good.
The detailed evaluation content of Versailles plus will not be described here. Please read this article for details:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
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