1. What are the terms of Taikang Hui Health and Critical Illness Insurance?
Taikang clauses mainly include insurance period, waiting period, grace period, hesitation period, scope of protection and liability exception, in which the insurance period of insurance contract is the life of the insured. In addition, there is a hesitation period of 10 day from 0: 00 the day after the consumer signs the insurance contract. Consumers must read the insurance clauses carefully when purchasing Wellcome critical illness insurance to avoid contract disputes in the future.
Second, the advantages of Taikang Hui health
Product advantage. Comprehensive disease protection. Taikang Hui Health provides 120 kinds of severe diseases, 60 kinds of mild diseases, 1 kind of specific drugs, with many diseases and complete protection. In addition, it also provides death/total disability protection, terminal illness protection and minor illness exemption for the insured, which can meet the protection needs of most policyholders.
You can pay one year less premium. Taikang Hui health insurance can be paid 19 or 29 years. Under the same security conditions, a 0-year-old boy needs 3950 yuan a year. After 30 years, he always has to pay 1 1850 yuan, while a 0-year-old boy has to pay 4,000 yuan a year, and he always has to pay 1 16000 yuan. It can be seen that the total premium of Huikang is relatively low.
It has a good protective effect on mild diseases. Taikang Hui Health provides 60 kinds of mild diseases, which can be paid 5 times. No grouping, no invisible grouping, no suspected number.
How to buy critical illness insurance? Choose a reputable company: it is not a trivial matter to buy critical illness insurance. After all, the annual premium is very high. Therefore, when buying insurance, try to buy it from a reputable company to avoid the problem of difficult claims, which consumers should pay attention to. Buy long-term insurance: it is recommended not to buy short-term critical illness insurance, because short-term insurance coverage for one year will face the problem of renewal. If the physical condition does not meet the purchase requirements before the product renewal, it will lead to the inability to purchase critical illness insurance and a serious lack of critical illness insurance. However, if you buy long-term insurance, there is no problem of renewal, and you can get compensation if you insure during the protection period. Adequate protection: I have always stressed that buying critical illness insurance is a kind of protection, because suffering from a serious illness will cause serious economic losses, and the funds for treatment, rehabilitation and income loss in the process of diagnosis and treatment are very large. How to make people with serious diseases calm down and live an elegant life is very important.