Highlight 1 overpayment, and Highlight 2 has annuity conversion function. But the disadvantage is that the waiting period is long. As for the high cost performance of this product, let's read on!
1. Safety Mining: What is the safety content of Enjoy Health 202 1?
Without further ado, I present the product essence of Lexiang Health 202 1:
Thus, Lexiang Health 202 1 is a targeted critical illness insurance product. It has two versions, the adult version and the children's version.
In order to let everyone know more about Lexiang Health 202 1, Senior Sister will explain the differences between Lexiang Health 202 1 adult version and children's version:
1, Enjoy Health 202 1 Adult Edition
Lexiang Health 202 1 Adult Edition is a life-long critical illness insurance covering mild, moderate and severe diseases, with a maximum compensation of three times the insured amount. An insurance policy contains six kinds of protection: 40 kinds of mild diseases, 20 kinds of moderate diseases, 120 kinds of serious diseases, death, high disability and terminal diseases. With the exemption of mild and moderate diseases, the contract also has the function of annuity conversion, providing consumers with more comprehensive health protection.
2. Enjoy Health 202 1 Children's Edition
Taikang Lexiang Health 202 1 Children's Edition has targeted protection and is a lifelong critical illness insurance customized for children. The coverage includes 40 kinds of mild diseases, 20 kinds of moderate diseases, 120 kinds of severe diseases and high disability/death/terminal diseases, and it comes with the exemption of mild diseases/moderate diseases/severe diseases, which has the function of annuity conversion. The introduction of critical illness care insurance is also a good innovation. In addition, the maximum compensation for serious illness can reach 7.5 times of the basic insurance amount, which can better protect the baby's life and health.
Second, enjoy health 202 1 advantages and disadvantages!
Let's take a look at the advantages of Lexiang Health 202 1:
1, enjoy health 202 1 Pay more.
The number of payments for Lexiang Health 202 1 children's edition is: 6 times for mild illness, 5 times for moderate illness 1 time, and 5 times for severe illness. Through calculation, the maximum compensation can be 7.5 times of the insured amount, and the compensation is very strong. Lexiang Health 202 1 Adult Edition has paid for mild, moderate and severe diseases for 6 times, respectively, 1 time and 1 time. Although the adult version is not as much as the children's version, the maximum payment is 3 times.
2. Enjoy the health 202 1 conversion annuity.
Lexiang Health 202 1 Critical illness insurance has the function of annuity conversion, which is the right to apply for converting the insured amount or cash value into a specific annuity when there is no monetary income when supporting the elderly.
Give consumers better protection, you can support the elderly with peace of mind, and don't have to worry about no income.
Compared with other critical illness insurance products on the market, most critical illness insurance products do not have annuity conversion function: "136! Comparison of popular critical illness insurance products in China "
After talking about the highlights of Lexiang Health 202 1, senior sister also found some shortcomings of this critical illness insurance: Lexiang Health 202 1 has a long waiting period in critical illness insurance. For consumers, the shorter the waiting period, the better! At this time, insurance companies have to take more risks.
Nowadays, the competition in the critical illness insurance market is fierce, and new products emerge one after another. There are many products whose waiting period is 90 days! The waiting period for enjoying health 202 1 is still 180 days, which is twice as long as the others. This is really unfriendly to consumers!
For some details about the waiting period, you can read this article: "Will the insurance company pay during the waiting period?" It is easy to suffer if you don't understand! 》
Third, the senior summary: Enjoy Health 202 1 Is it worth buying?
Critical illness insurance enjoys health 202 1 is a lifelong critical illness insurance, which provides comprehensive protection, basic protection such as serious illness, moderate illness and mild illness, and multiple compensation protection, giving the insured more and more comprehensive protection. If we only pursue general security, Lexiang Health 202 1 can meet this demand.
Enjoy health 202 1 critical illness insurance performed well. If you want to compare other products, you can also take a look at these popular products >> "The new definition of critical illness insurance pk, the most worth buying are actually these ten models! 》
Write it at the end
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