Among the serious illness products that have been paid for many times, group compensation is the most common. After all, in payout ratio, if you don't pay more in bulk, you will pay more in bulk than in bulk, and insurance companies will also make money. Therefore, in the critical illness insurance market, most of the products that are overpaid are paid twice, and only three times at most. Eternal Health 202 1 has been compensated for six times without grouping. Evergrande Permanent Health 202 1 Critical illness insurance is a new definition of critical illness insurance that can be paid multiple times. The coverage is very strong and it is worth buying.
I. List of Permanent Health Protection Contents 202 1
The main points of permanent health 202 1 can be more than these. See here for details: Permanent Health 202 1 Is it really that good? Tell you the truth in one article! 》
Eternal health 202 1 critical illness insurance does not pay in groups for 6 times, and the proportion of compensation increases.
202 1 Edition Eternal Health is also a multiple compensation for mild and moderate diseases without grouping. The compensation ratio is also reasonable. In addition, unlimited compensation for malignant tumors and artificial lung care insurance money are also the guarantee of lasting health. In terms of security, permanent health 202 1 critical illness insurance 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.
It can be seen that Permanent Health 202 1 critical illness is not grouped, and claims can be made for up to 6 times, so it is a product with more claims of the same type. Moreover, the payment amount of permanent health 202 1 is increasing. The first two payments are based on the insured amount, and the second payment is increased by 10%.
2. Ensure the content is complete, covering moderate and mild diseases.
Permanent health insurance 202 1 comprehensive protection, including mild and moderate illness protection, all paid, without grouping. 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 and becomes one of the advantages.
3. Artificial lung can be additionally compensated.
In fact, the critical care in critical illness insurance has included lung diseases, and the artificial lung care fund has been added to Permanent Health 202 1. If the insured needs to use artificial lungs and is diagnosed by a specialist, the patient can get 60% of the basic insurance coverage.
After talking about the advantages of Eternal Health 202 1, let's see what disadvantages it has:
The second compensation for cancer is strict.
The second payment interval of "Eternal Health 202 1" malignant tumor is too long, and the interval between two diseases needs 5 years, while other excellent critical illness insurance products only need 3 years.
After an interval of 5 years, the cancer diagnosed again cannot recur, and it must be a new cancer or a metastasis after the previously diagnosed cancer has reached clinical complete remission in order to get compensation. In fact, the second payment for this cancer is really limited, and there is still considerable 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!
Second, the price of Eternal Health 202 1 is not worth recommending to buy.
To sum up, in fact, the 202 1 version of the permanent health is still quite satisfactory. Compared with excellent products of the same type, Evergrande Health Edition 202 1 has several bright spots, and it must be said that its basic protection is also complete, such as some routine death protection, minor illness protection and in-situ cancer prevention protection.
Evergrande Health 202 1 paid for serious illness up to 6 times, and all of them were not paid in groups. Many products lack this guarantee. In addition, Evergrande Health 202 1 also has an artificial lung protection, which is also very distinctive and can achieve double protection for the lungs. Friends who are more concerned about "multiple compensation for critical illness" and "lung function protection" can also apply for insurance ~ If you pursue critical illness insurance with higher cost performance, you can refer to critical illness insurance in other markets.
If you want to find a product that is more suitable for you, then take a look at this comparison table compiled by senior sister: "Super complete! 136 detailed comparison table of epidemic and serious diseases products in China.
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