China Merchants Cigna recently launched a new life-long critical illness insurance-Ai Xiang Jian Kang life-long critical illness insurance. I heard that its price is quite cheap, and the premium is only a few hundred yuan a month, which is very cost-effective!
Is there really such a great product? Senior sister heard this and quickly came to evaluate!
Before understanding the specific content of love for health, you can take a look at the general situation of China Merchants Cigna Insurance Company: "Is China Merchants Cigna reliable? Is the product worth buying? "
1. What is the performance of China Merchants Cigna's lifelong critical illness insurance?
Before the evaluation, let's take a look at the protection map of love and health:
Merchants Cigna Health enjoys lifelong critical illness insurance.
The content of health protection is very simple, only serious illness, mild illness and death protection. Senior still think security is too thin:
1.？ Lack of traditional Chinese medicine protection
Love to enjoy health does not provide decisive guarantee for Chinese medicine! This is really unsatisfactory. The critical illness insurance in the market has already provided critical illness insurance protection, which has become a standard, and is listed as the basic guarantee of critical illness insurance along with mild illness and serious illness.
If safety includes Chinese medicine. It must be good for consumers. Serious illness can't happen when everyone is first diagnosed. When they are found, their diseases may be only mild or moderate. If there is no content of Chinese medical insurance, some situations may occur:
Suppose 30-year-old Xiao Ming took out the critical illness insurance and bought the insurance amount of 65,438+10,000 yuan. When he found out that he had a moderate illness, he would not wait any longer.
At this time, if the critical illness insurance previously insured is VersaillesNo. 1, in which case 60% of the insured amount plus 15% can be paid for the first serious illness. Comprehensive calculation, the compensation obtained is about 75 thousand; If you accidentally choose to enjoy health, you will only pay the relevant compensation if you provide the relevant minor protection. Many people think that it is unreasonable not to provide TCM protection.
2.？ Pay less.
Many people are giving feedback, and there are many problems in the protection of minor illness and serious illness.
The first is critical illness insurance, which can only pay 100% of the insured amount, and can only pay 1 time. No additional compensation has been set for major diseases. I suggest you compare other excellent critical illness insurance. Take Versailles as an example. Before the age of 60, 80% of the protection was arranged, and Kanghuibao Ultimate Edition 2.0 set 60% of the protection except the forehead at the age of 60. These are excellent levels of compensation for serious illness in the market.
In addition, there is mild illness protection. Although it is said that a * * * will be handed in three times, a one-year interval is also set. Isn't this a little too much? Under normal circumstances, the critical illness insurance will not stipulate the interval of minor illness payment, but enjoying the healthy interval setting does increase the difficulty of payment. In this case, there is nothing outstanding about protecting health.
I want to know how Ai Xiangkang will perform in the critical illness insurance market. My senior sister has carefully prepared a critical illness insurance comparison table for everyone. You can refer to the national epidemic 136 critical illness insurance comparison table.
2. Does China Merchants Cigna recommend health lifelong critical illness insurance?
According to the above analysis, we can know that without the protection of China's disease, the enjoyment of health is not so comprehensive, not only the compensation for serious illness is not in place, but also the compensation for mild illness, and there is really nothing brilliant.
And some settings that love to enjoy health also have many problems. For example, the payment period is only 10 years or 15 years, which is not very friendly to people with unstable income, and the payment period cannot be chosen flexibly.
If you want to buy insurance and enjoy health, you still need to meet many conditions. You can only buy 400 thousand at most, and you can only choose to buy insurance in some first-and second-tier cities. The conditions are harsh. From this point of view, senior students don't think the performance of enjoying health is outstanding. If the goal is to protect friends with more and more affordable content, Senior Sister suggests that you look at other relatively good critical illness insurance products.
So what good critical illness insurance is worth recommending? Senior sister will list the better critical illness insurance products selected for you below. Don't miss it when passing by: "Top Ten Hot Critical illness insurance stocks worth buying! 》
Write it at the end
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