In fact, Taikang Life Insurance also launched an adult version of this product. Parents and friends can learn about it by the way:
Attention, Taikang enjoys the health (double welfare) adult version of critical illness insurance, which must be seen before buying! 》
First, Taikang enjoys health (benefiting children). How about critical illness insurance?
Want to know if this Taikang Lexiang Health (Shuanghui Children) critical illness insurance configuration scheme is cost-effective? Let's analyze its product form diagram first:
As can be seen from the protection map, the protection contents of this Taikang Lexiang health critical illness insurance mainly include critical illness protection, minor illness protection, death/high disability/terminal illness protection, and insurance amount exemption protection.
The following seniors will give you a detailed introduction:
1. Major disease protection
This Taikang Lexiang Health (Shuanghui Children) critical illness insurance can transfer the risks brought by 120 major diseases to the insured, and the maximum payment can be 5 times, and the premium of critical illness insurance paid each time is 1 times of the basic insured amount.
If the insured is under the age of 30 when he meets the critical illness conditions for the first time, the insured can get an additional 50% of the basic insurance amount of the insurance company's critical illness care insurance money.
This responsibility can be regarded as "extra compensation for serious illness", but it is only for serious illness before the age of 30. The more common extra compensation for serious illness is mostly the case of serious illness before the age of 60.
In addition, Taikang Lexiang Health (Shuanghui Children) critical illness insurance is paid by critical illness groups, and each group has an opportunity to pay for critical illness. The interval between two critical illness payments is 365 days.
2. Protection for mild and moderate diseases
Mild and moderate diseases are not as serious as serious diseases, and the treatment is not very difficult. If treated in time, it can prevent the disease from deteriorating into a serious disease in the later stage. Therefore, serious illness insurance should also pay attention to the setting of mild and moderate illness protection.
This Taikang Lexiang Health (Shuangyi Children) critical illness insurance has 20 kinds of moderate illness insurance and 40 kinds of mild illness insurance, which can transfer the risks brought by moderate illness for the insured up to 3 times and mild illness for 5 times. The proportion of compensation for each accident is 50% and 25% of the basic insurance amount.
Compared with similar products on the market, Taikang Lexiang Health (Shuanghui Children) critical illness insurance supports more times of payment for mild and moderate diseases, but the proportion of payment is correspondingly reduced. Excellent critical illness insurance in the market pays 30% for mild illness and 60% for moderate illness.
3. End-of-life protection for death/high disability/illness
This Taikang Lexiang Health (Shuanghui Children) critical illness insurance provides protection for death, high disability and terminal illness. Assuming that the insured has an insurance accident and meets the payment conditions, the insurance company will pay the corresponding insurance money.
If it is found that the insured is under the age of 18 when he is in danger, the promised amount of insurance payment; If the insured has reached the age of 18 at the time of the accident, the amount of compensation provided is the basic insurance amount of the contract.
Due to the limited space of the article, please go to the link below to read more about the evaluation content of this Taikang Lexiang Health (Shuanghui Children) critical illness insurance:
"Take a look at these points before insuring your child with Taikang Enjoy Health (Shuanghui Children) critical illness insurance! 》
Second, Taikang enjoys health (double welfare for children). Can I buy critical illness insurance for my children?
To sum up, the basic guarantee performance of this Taikang Lexiang Health (Shuanghui Children) critical illness insurance is OK, and the number of payments provided is greater than that of many similar products. And its payment period is very diverse, which can meet the insurance needs of most people.
However, in some places of critical illness insurance, this Taikang enjoys health (double welfare for children) and needs the attention of all friends. For example, it can only be guaranteed for life, the payment interval for serious diseases is too long, and the protection for mild and moderate diseases has shrunk. I suggest you handle the insurance carefully.
If it is to buy children's critical illness insurance, senior sister recommends Qingyun Wei 1 of China Merchants Renhe. As for the reason, just look at the product evaluation and you will know:
"Qingyunwei 1 Children's critical illness insurance is worth buying for children? It's finished! 》
Write it at the end
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