The maximum insurable amount of Huaxia Insurance Health Life Insurance is 800,000 yuan. Anyone interested in this product can have a look at my introduction.
China healthy life was sold in large quantities as soon as it came out, which was loved by many consumers. Why is it not good now? The reason is that this product is a bit out! Why is this? Let's take a look at the security content.
1. Critical illness insurance protection: This insurance has 77 kinds of critical illness insurance in terms of critical illness insurance protection, which can be paid in one lump sum, which is remarkable. Another point is that the maximum insured amount of this product is 500,000, which is a relatively common level.
2. Mild illness protection: knock on the blackboard to draw the key points, this product has no mild illness protection! 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. And then underestimate the protection. This product has been paid for five times, which was not bad, but the proportion of each payment is only 20%, which is really low. However, the well-known and popular products on the market are all based on 30% or above.
3. premium: this product requires us to pay more than 10 thousand premium every year. At the same price, even if you don't need it, you can buy products with similar contents, including compensation from traditional Chinese medicine.
4. Others: Huaxia Life's healthy life includes both exemption clauses for mild diseases and exemption clauses for policyholders. 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: Generally speaking, this product is quite general. I just wrote a ranking a while ago, which contains the latest popular critical illness insurance products. The space is too long, so I won't go into details. Interested friends should read this article ~ take stock of the critical illness insurance of the top ten insurance companies!