See the insurance contract for detailed provisions on healthy life in China; First of all, let's briefly introduce this product before buying.
China healthy life was sold in large quantities as soon as it came out, which was loved by many consumers. Why is it trampled now? Because this product is a bit backward! Why is this? Let's take a look at the security content.
1. Critical illness protection: 77 kinds of critical illness protection diseases in a healthy life, and the number of payments is not bad. More importantly, this product can cover up to 500,000 yuan, which is really possible.
2. Mild illness and mild illness protection: the problem is coming. This product has no protective effect on moderate diseases! It is generally recognized in the market that there should be at least twice the compensation and 50% compensation ratio, which should be discussed well. Then look at the minor illness protection. This product has been paid for five times, which is good, but the proportion of each payment is only 20%, which is really low. Most products on the market already have a payment ratio of 30%-40%.
3. Premium: The annual premium for a healthy life of Huaxia Life Insurance is probably more than 10,000. At the same price, you can buy products with similar content and more comprehensive content.
4. Others: A healthy life can be exempted by the insurer, including minor illness exemption. Mild illness exemption means that the remaining premium is not paid after suffering from mild illness, and the contract continues to take effect, so is the exemption of the insured. This is a relatively common clause.
Due to space reasons, I can only introduce it here. Do you still want to see the true face of China's healthy life? You can read my article ~ How is life in China? Do you have any insurance recommendations?
Summary: Objectively speaking, this product is not particularly outstanding. Before I got off work, I arranged it and put it in my article. There are many hot-selling critical illness insurance products recently, so I won't show them here. You can poke this article directly to learn more about the hot critical illness insurance inventory of the top ten insurance companies.