1.？ Serious illness protection: 1 10 kinds of serious illness, and pay with 100% insurance amount;
2.？ China disease protection: 25 kinds of China diseases, the maximum payment is 2 times, and each payment is 50% of the basic insurance amount;
3.？ Mild illness protection: 50 kinds of mild illness, the maximum payment is 3 times, and 30%-40%-50% of the basic protection is paid in turn.
Although 50 kinds of mild diseases are covered, the high incidence and mild diseases covered by Health Insurance 2.0 are as follows:
On the whole, Health Insurance 2.0 covers all 10 kinds of high-risk and mild diseases, and lists minor stroke as China disease, with greater compensation. Let's take a look at other optional guarantees of Health Insurance 2.0:
1.？ Child-specific diseases: 18 years old, 20 kinds of child-specific diseases will be paid extra 100% of the basic insurance coverage.
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2.？ Adult-specific diseases: After 18 years old, men have 13 diseases and women have 8 diseases, and 50% of the basic insurance premium will be paid additionally.
3.？ Second payment for malignant tumor: if the malignant tumor is diagnosed for the first time after an interval of 180 days,100% of the basic insured amount can be paid; The first serious disease is malignant tumor, and if malignant tumor is diagnosed after an interval of 3 years, the basic coverage of 100% can be paid.
4.？ Medical allowance for serious illness: for those who are diagnosed and treated for serious illness, the allowance shall be paid according to 10% of the basic insurance amount, 1 time per year, up to 5 times.
Health Insurance 2.0 Comprehensive Comments: 1, Occupation relaxation: not limited to occupations, firefighters, police and other high-risk occupations can be insured;
2. Flexible protection: In addition to serious illness, mild illness and moderate illness, children/adults with specific serious illness, secondary compensation for cancer, medical allowance for serious illness and death protection can be added flexibly according to individual needs.
3. High security: 0- 17 years old with a maximum security of 700,000, 18-40 years old with a maximum security of 600,000, and 4 1-45 years old with a maximum security of 500,000.
4. Loose underwriting: Xiaosanyang, hepatitis B virus carriers, breast nodules and thyroid nodules are all within the standard coverage.
Note: Health Insurance 2.0 has asked whether the cumulative coverage of major diseases is greater than 700,000 and the pregnancy situation.
Comparison between Health Insurance 2.0 and other critical illness insurances: Comparative conclusion;
Kunlun Health Insurance 2.0 has a comprehensive guarantee for the high incidence of mild/moderate diseases, and a high guarantee for mild diseases. The basic guarantee includes serious diseases, moderate diseases and minor diseases. If other additional guarantees are not needed, the cost performance is relatively high in the comparison products.
Super Mary's flagship edition, with lower premium for the second payment of additional cancer and comprehensive protection; Kang Huibao's exclusive version of cancer secondary payment is also cost-effective.
Hai Baoxin's coronary intervention (mild symptoms) can be compensated twice, and cancer, acute myocardial infarction and coronary artery bypass grafting can be compensated twice.
Ruihua Kangruibao and Everbright Yongming Super Mary Extreme Edition, before the age of 0-40 10 years, give an extra 30%/35% of the insured amount, and pay 65,438+10,000 for serious illness.
Xin 'ai and Kangruibao are relatively loose in hepatitis B underwriting; Xingyue's underwriting of thyroid nodules and breast nodules is relatively loose; Health insurance 2.0 has the opportunity to provide standard protection for mild hypertension, hepatitis B virus carriers, hepatitis B, thyroid nodules and breast nodules.
It is concluded that Health Insurance 2.0 is comprehensive and cost-effective without increasing optional liability. The security is more flexible, and there are many optional responsibilities, such as adding specific serious diseases for children. If you only increase the premium by about 100 yuan every year, you can get the guarantee of double compensation for 20 high-risk childhood diseases. You can see more product comparisons in official website, and then choose the insurance products that suit you according to your personal needs.