Among the best-selling critical illness insurance at present, health insurance, Huiduobao and Kangaibao are all from Kunlun Health.
The coverage of Kunlun Health Insurance 2.0: 1, with flexible insurance.
Kunlun Health Insurance 2.0 not only has a guarantee period of 70, 80 or life.
The payment period can also be divided into 5 years, 10 years, 15 years, 20 years and 30 years. The choice of insurance is relatively flexible, and consumers can choose to buy according to their actual situation and needs.
2. The proportion of compensation for minor diseases is increasing in turn.
Kunlun Health Insurance 2.0 contains 50 kinds of mild diseases, which can be paid up to 3 times, with 30%, 40% and 50% in turn.
How does Health Insurance 2.0 protect against high morbidity and mild illness? Dad sorted out 10 major high-risk mild diseases. Let's see how Health Insurance 2.0 performs:
It can be seen that 10 has full coverage of high incidence and mild illness health insurance 2.0, and mild illness protection is more comprehensive.
3. Special disease protection can be added.
Children's special disease protection can be added, including 13 male-specific serious diseases and 8 female-specific serious diseases. 100% of the basic guarantee amount can be paid additionally for severely ill children diagnosed before the age of 0/8.
The 20 kinds of child-specific serious diseases covered by Health Insurance 2.0 are as follows:
It can increase the coverage for adult special diseases, including 13 male-specific serious diseases and 8 female-specific serious diseases, and pay 50% of the basic coverage for patients diagnosed at 18 years old and later.
The 2 1 adult specific serious diseases covered by Health Insurance 2.0 are as follows:
In dad's opinion, the extra adult special disease protection fee is a bit high. If consumers value special disease protection and have sufficient budget, they can consider adding it.
4. Medical allowance for major diseases
Health insurance 2.0 can supplement the medical allowance for serious illness, that is, the insured is diagnosed with serious illness and receives treatment.
The insurance company will pay 10% of the basic insurance amount once a year as a medical allowance, and can receive it up to five times, which means that the amount of critical illness insurance can be increased by 50% after it is added.
5. The second payment for cancer
If the serious illness is not the first malignant disease, the patients diagnosed with malignant tumor can get the basic insurance coverage of 100% after the interval of 180 days;
If the cancer is diagnosed as malignant tumor for the first time, after an interval of 3 years, the new occurrence, recurrence and metastasis of cancer will continue, and the basic insurance amount of 100% will be paid.
For more product introductions of Kunlun Health Insurance Company, I recommend you to read: How about Kunlun Health Guardian No.3? What are the advantages and disadvantages? Analysis of insurance depth evaluation "