With the implementation of the new regulations on critical illness insurance, major insurance companies began to introduce newly defined critical illness insurance products. Taiping Life Insurance recently launched a newly defined critical illness insurance called "Taiping Jinsheng Health Bao".
According to the old tradition, first send Taiping Jinsheng health treasure protection essence map:
How about this Taiping Jinsheng health treasure? Is it really worth buying? Let's take a look at the comparison between Taiping Jinsheng Health Bao and the domestic popular critical illness insurance products: the comparison table between Taiping Jinsheng Health Bao and the domestic popular 136 critical illness insurance.
Anyone born between 28 days and 65 years old can apply for Taiping Jinsheng Health Insurance. There are a variety of payment periods to choose from, and the waiting period is 90 days. The insurance conditions are still very good.
In addition to the protection of serious illness and mild illness, Taiping Jinsheng Health Bao also comes with the protection of the insured's exemption, death and extra compensation for malignant tumor. Taiping Jinsheng Health Care Bao seems to guarantee a lot of content, but don't start in a hurry. After all, it still has many pits. Let's take a look at the advantages and disadvantages of Taiping Jinsheng Health Care Bao.
Advantages of Taiping Jinsheng Health Care Treasure:
1, Taiping Jinsheng Health Bao has a brand effect.
Taiping Life Insurance, the underwriting company of Taiping Jinsheng Health Bao, is an old insurance company in China, with a high reputation, a large team of agents and numerous branch service institutions.
2. Taiping Jinsheng Health Bao has two compensations for malignant tumors.
Taiping Jinsheng Health Bao comes with additional malignant tumor protection, and the interval is only 3 years. At present, the cure rate of the first malignant tumor is getting higher and higher, but the probability of metastasis and recurrence of malignant tumor is very high within 5 years. Therefore, the three-year interval of Taiping Jinsheng Health Insurance is more practical than other critical illness insurance with a five-year interval.
Disadvantages of Taiping Jinsheng Health Treasure:
1, Taiping Jinsheng Health Bao can only be guaranteed for life.
Term and lifetime are the guarantee periods that most critical illness insurance can choose. The annual premium payment pressure of regular critical illness insurance is less than that of lifelong critical illness insurance, so if it is a group with limited budget, it is naturally more intimate to have regular and lifelong protection, while Pingjinsheng Health Insurance cannot choose regular protection, so the choice of protection period is lower.
2. Taiping Jinsheng lacks health insurance.
China's disease is a concept derived from the insurance company's further subdivision of the severity of the disease, which is between mild and severe. In disguise, the proportion of compensation for minor diseases has been increased, and the threshold of compensation for serious diseases has been lowered. China's disease protection has developed into the basic configuration of critical illness insurance products, but Taiping Jinsheng Health Bao does not protect China's disease, which is a big loophole.
3. Taiping Jinsheng lacks sincerity in the protection of health care and mild illness.
Taiping Jinsheng Health Care is a single payment, and this number of payments is really powerless! Most of the minor compensation times of critical illness insurance in the market can be paid more than twice, so it seems that the minor compensation of Taiping Jinsheng Health Bao is too stingy!
In addition to the above shortcomings, Taiping Jinsheng Health Bao has a more fatal defect. Friends who want to know can poke this understanding: "202 1 Taiping Jinsheng Health Care Bao has such a defect ..."
To sum up, Taiping Jinsheng Health Bao is not only not fully guaranteed, but also has little guarantee and no bright spot; If the pursuit of high cost performance, it is recommended to look at other products. Senior sister has compiled ten new definitions of cost-effective critical illness insurance, which is worth thinking about: "202 1 ten new definitions of cost-effective critical illness insurance! 》
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