Recently, new critical illness insurance products on the market can be one after another, and they are all newly defined critical illness insurance products. Among them, there are many products of big companies, such as Eternal Health 202 1 of Evergrande Life Insurance, which has aroused widespread concern!
Generally speaking, multiple payments for critical illness insurance are more common in groups. Because it is more risky for insurance companies not to make multiple group payments, in the critical illness insurance market, most of the products that have been paid for many times are paid twice, at most only three times. Eternal health 202 1 6 times if you don't group. Eternal health 202 1 and these key points you must know: is Eternal health 202 1 really that good? Tell you the truth in one article! 》
1. How about Permanent Health Protection 202 1 version?
Permanent health 202 1 serious illness paid 6 times, without grouping, and the payment intensity increased in turn.
In the protection of mild and moderate diseases, the 20021version of Permanent Health is also set to not pay multiple payments in groups. Compensation is ok. In addition to the protection of serious illness and mild illness, there are unlimited compensation for malignant tumors and insurance benefits for artificial lung care. From the security point of view, the security of Permanent Health 202 1 is still very good.
Let's take a look at the advantages of permanent health 202 1:
1. Pay 6 times for serious illness without grouping.
Eternal Health 202 1 is the same type of product, which pays more than 6 times for serious illness. In addition, the compensation amount of Permanent Health 202 1 is increasing, and you will be paid according to the insured amount for the first two serious illnesses. When suffering from serious illness for the third time to the sixth time, the compensation will be increased by 10%.
2. Ensure the content is complete, covering moderate and mild diseases.
Permanent health insurance 202 1 is complete, covering the protection of mild and moderate diseases, and it is not divided into groups. In terms of high incidence and mild diseases, Permanent Health 202 1 contains a wide range of diseases. Eternal Health 202 1 also covers the protection of cancer in situ, which is one of the highlights.
3. Artificial lung can be additionally compensated.
In fact, the critical illness protection in critical illness insurance has included lung diseases, and Permanent Health 202 1 also provides artificial lung care protection. The insured can get 60% of the basic insurance amount if it is really necessary to use artificial lung after being diagnosed by a specialist.
After talking about the advantages of Eternal Health 202 1, let's see what disadvantages it has:
The second compensation for cancer is strict.
"Eternal Health 202 1" requires a strict interval of five years for the second payment of malignant tumors, while the excellent critical illness insurance products on the market only require an interval of three years.
In addition, the malignant tumor diagnosed again after an interval of 5 years cannot be a recurrence of the old disease, and the insurance company will pay the insurance money only after the previously diagnosed malignant tumor has reached clinical complete remission and a new malignant tumor or disease metastasis appears. Therefore, permanent health 202 1 is of little significance in the second compensation of cancer, and there is still a lot of room for improvement.
So some friends will think that the second compensation for cancer is really that important? The length is long, and the senior sister put what is cancer compensation in this article. Remember to take a look: Is it really necessary to add the second compensation for cancer? An analysis!
2. Is Permanent Health 202 1 worth buying?
On the whole, Senior Sister thinks that the 202 1 version of Permanent Health Protection is still acceptable. Even compared with other excellent products, Evergrande Health Edition 202 1 is not far behind, and the basic guarantee is very comprehensive, and there is no shortage of necessary guarantee. Common death protection, minor illness protection and cancer in situ protection are all within the scope of protection.
Evergrande Health 202 1 Six claims for serious illness were not grouped. Most products of the same type do not have this guarantee. Besides these, Evergrande Health 202 1 also has artificial lung protection, which is also a bright spot. The protection of the lungs was greatly increased immediately. If you are a small partner who values "multiple compensation for serious illness" and "lung function protection", you can test the configuration ~ but if you want to pursue cheaper and more comprehensive products, you can shop around before making a decision.
Senior sister has compiled a brand-new and popular critical illness insurance assessment list. Want to know more, you can click here to have a look: the latest | national 136 popular serious illness comparison table.
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