And if you can buy a critical illness insurance, the family's economic losses will be greatly reduced. Recently, many people have asked Taikang Life Insurance about its critical illness insurance. Is it suitable to start? So, senior, let's make a comprehensive analysis of Enjoy Health 202 1~
Before the evaluation begins, you can look at the comparison charts of many critical illness insurance in China:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
First, enjoy health. The advantage of 202 1 is open!
Enjoy Health 202 1 has two versions, namely the children's version and the adult version. The biggest difference between the two versions is that the number of payments and the proportion of payments for serious illness are different. Next, let's take a look at the protection content map of Lexiang Health 202 1:
Looking at the pictures, we can know that Lexiang Health 202 1 provides comprehensive basic protection, including serious illness, moderate illness and mild illness protection, as well as death/high disability/terminal illness protection. What are the advantages of Enjoy Health 202 1?
1. The children's version has paid for serious illness many times, and the compensation is strong.
Lexiang Health 202 1 (children's edition) divides 120 kinds of serious diseases into five parts, each group can pay once, but at most it can pay five times, and each time it pays 100% of the basic insurance amount. The child is still growing, and there is still a long time to come. Compared with adults, the probability of suffering from a variety of serious diseases is higher.
Moreover, if the insured is diagnosed with a serious illness for the first time before the age of 30, he can get an additional 50% of the basic guarantee. To put it simply, the maximum payment for the first serious illness is 65438+ 050% of the basic insurance coverage, and the maximum insurance coverage for the purchase of 300,000 is 450,000. It can be seen that the compensation of Happy Health 202 1 (Children's Edition) is still very strong.
Of course, in addition to enjoying Health 202 1 (Children's Edition), we also arrange some other serious illness insurance with great compensation for everyone:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
2. Flexible payment period
Enjoy Health 202 1 For children's edition or adult edition, there are eight different payment years for us to choose from, which not only provides the choice of wholesale payment (one-time payment), but also provides annual payment, and sets the payment period as 5 years, 10 years, 30 years, etc. , not only more selective, but also more flexible.
If you have a high short-term income, strong ability to pay or want to pay the premium as soon as possible, you can choose to pay it wholesale or with a shorter payment period, so that the total premium will be less and you don't have to pay the premium every year.
If the economic conditions are not so good, or the budget is limited, of course, you can choose a longer payment period, so that the annual premium will be less, the economic pressure will not be great, and the difficulty of triggering the premium exemption clause will be reduced. If it is a mild or moderate disease, you don't need to pay the premium.
Second, enjoy health. 202 1 reveal the disadvantages!
1. The warranty period is simple.
Lexiang Health 202 1 only provides one kind of life insurance for the insured, which is relatively simple and inflexible.
Most of the critical illness insurance in the market can provide life-long or 70-year-old protection for the insured, and the insured can choose according to his own budget.
Because the premium of lifelong critical illness insurance is higher than that of regular critical illness insurance, those with sufficient budget can choose lifelong insurance, and those with limited budget are more suitable for the protection period of 70 years old.
But everyone's situation is different. How to choose the specific guarantee period needs to be considered in combination with your own actual situation. I don't know how to choose. You can read this article:
Should critical illness insurance be guaranteed for a fixed period or for life? 》
2. Long waiting period
The waiting period of Lexiang Health 202 1 is 180 days. Compared with the critical illness insurance products with a waiting period of 90 days on the market, Lexiang Health 202 1 has an extra waiting period of 90 days.
We know that the insurance company will not pay for any accident during the waiting period, but there is no waiting period for insurance accidents caused by accidents, so it is better to have a shorter waiting period.
3. Insufficient protection for mild and moderate diseases.
At present, Lexiang Health 202 1 can protect 20 kinds of China's diseases, and all the compensation provided is 50%. However, it can only pay 1 time, and the proportion of China's disease compensation in most critical illness insurance on the market is 50%-60%, and it can be paid twice at most. In contrast, Lexiang Health 202 1 needs to be improved.
In addition, Lexiang Health 202 1 is equipped with 40 kinds of mild diseases, and the maximum number of payments is 6 times. But it can only pay 25%, and many mild diseases on the market can get at least 30% basic protection. Relatively speaking, the mild illness protection of Lexiang Health 202 1 needs to be refueled.
On the whole, although the basic guarantee content of Lexiang Health 202 1 is comprehensive, the payment period is long, and the children's version of serious illness compensation is very real, but the guarantee content is single, and the waiting period is relatively long, so the protection for mild and mild diseases needs to be improved. You can compare and see other similar products on the market!
Write it at the end
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