Before guarding No.3, my father also made a detailed analysis: "How about Kunlun Health Guardian No.3? What are the advantages and disadvantages? Analysis of insurance depth evaluation "
So what's the difference between these two products? Which is better to buy? Here, dad will talk about these two products from the following points:
1. Which is better, Kunlun Health Insurance 2.0 or Guardian 3?
1, the main difference
(1) Basic insurance information
Insurance age: 0-60 years old for Health Insurance 2.0 and 0-45 years old for Guardian 3.
Coverage period: Health Insurance 2.0 can cover 80 years old or life, and Guardian 3 can cover 70 years old.
Waiting period: The waiting period for Health Insurance 2.0 is 90 days, while that for Guardian 3 is 180 days.
Occupation insured: Health Insurance 2.0 is not limited to occupations, while Guarding No.3 is limited to 1-4 occupational groups.
2. Guarantee content
(1) Critical illness protection
Health insurance 2.0, serious illness only needs 1 time, 100% coverage, no additional responsibility.
Defender No.3, however, will be paid for serious illness at most twice, and will not be grouped. Before the insurance policy 15 years, you can get 150% coverage for the first diagnosis of serious illness and 120% coverage for the second payment of serious illness, which is a good guarantee.
(2) Protection of diseases in China.
Both Health Insurance 2.0 and Guardian No.3 pay for China's disease twice, but the proportion of compensation is different.
Health insurance 2.0 pays 50% of the insured amount each time, which is good, but the proportion of Guardian No.3 is higher, paying 50% of the insured amount for the first time and 60% of the insured amount for the second time.
(3) covering high incidence and mild diseases
Although the coverage of Health Insurance 2.0 is good, it is still slightly inferior to Guardian 3.
Defender 3 classified some high-risk and mild diseases (such as unilateral pneumonectomy) as medium diseases, which increased the proportion of compensation and provided greater protection, benefiting the insured.
(4) Children's special disease protection
The protection of children's special diseases in Health Insurance 2.0 needs to supplement the protection of 20 special diseases. If the insured is unfortunately diagnosed with a special disease, you can get an additional coverage of 100%.
The special protection for children of Guardian III is self-contained. If the insured is diagnosed with special diseases before reaching the age of 18, he can get an additional coverage of 150%.
(5) Optional responsibilities
Health Insurance 2.0 has many optional responsibilities, including adult-specific disease protection, medical allowance for critical illness, and secondary compensation for malignant tumor.
Defender 3 only increased the allowance for malignant tumor treatment.
Second, dad's summary
This is the comparison between Health Insurance 2.0 and Guardian 3.
You can choose the insurance products that suit you according to your actual situation. Dad hopes to help you choose the right product.
Kunlun Health Insurance Company is trustworthy. If you like its insurance products, you can rest assured to insure its products.