First of all, from the perspective of security content
Taikang critical illness insurance is a product sold through offline channels, and the product design is mainly to protect the responsibility for minor, moderate and severe diseases and death. Some products will have multiple compensation for serious illness and extra compensation for cancer.
However, compared with online serious diseases on the market, the content of protection is not so high. In addition to the basic mild, moderate and severe diseases, there will be additional compensation for specific diseases and cancers.
Second, from the perspective of disease definition.
The CIRC only defines 25 diseases, and the rest are up to them to decide whether to insure and the terms of payment. Critical illness insurance pays according to the disease definition agreed in the contract, so the disease definition stipulated in the clause is very important, and the disease definition is loose, so it is easy to get compensation; On the other hand, if the definition of the disease is strict, it is not easy to get compensation.
Third, from the payment price.
Critical illness insurance is a long-term insurance, and the general payment period is not short, as long as 20 or 30 years. So the ability to keep paying is also very important. The premium of tens of thousands a year may not be stressful at first, but it will be difficult to pay for the family's economic expenses in the later period, and the premium will not be refunded when it is surrendered. Therefore, it is very important to plan the premium budget from the beginning.
Camel planning is the core brand of Runan International Insurance Brokerage Co., Ltd., and it has the license to operate insurance brokerage business issued by the Insurance Regulatory Commission of Bank of China. Is a professional, neutral third-party security planning platform, dedicated to let ordinary families enjoy tailor-made security planning services, worthy of public trust.