Why? Then look down ~
1. Guarantee revelation: What guarantee responsibilities does Lexiang Health 202 1 contain?
First of all, let's take a look at the product form diagram of Lexiang Health 202 1:
As can be seen from the above figure, Lexiang Health 202 1 is more targeted. Mainly divided into adult version and children's version, according to different age stages to give different protection.
In order to let everyone know more intuitively "Lexiang Health 202 1", Senior Sister will introduce the differences between Lexiang Health 202 1 adult version and children's version in detail:
1, Enjoy Health 202 1 Adult Edition
Lexiang Health 202 1 Adult Edition is a lifelong critical illness insurance covering mild, moderate and severe diseases, with a compensation ratio as high as 3 times. Including 40 kinds of mild diseases, 20 kinds of moderate diseases, 120 kinds of serious diseases, high disability, death and terminal diseases, it has its own exemption for mild diseases and moderate diseases, and has annuity conversion function to provide consumers with all-round health protection.
2. Enjoy Health 202 1 Children's Edition
Taikang Lexiang Health 202 1 Children's Edition is a directional lifelong critical illness insurance specially designed for children. The insurance covers six major insurance liabilities, namely, 40 mild diseases, 20 moderate diseases, 120 severe diseases, high disability/death/terminal diseases. The exemption of mild illness/moderate illness/severe illness does not need to be added. Set up the annuity conversion function, innovatively design the critical illness insurance gold, and pay for the serious illness group. The maximum accumulated amount is 7.5 times of the basic insurance money, which is more caring for children's health.
2. What are the advantages and disadvantages of enjoying health 202 1 critical illness insurance?
Let's take a look at the good performance of Lexiang Health 202 1:
1, enjoy health 202 1 Pay more.
Lexiang Health 202 1 Children's Edition paid 6 times for mild illness, 5 times for moderate illness 1 time, and 5 times for severe illness. The most common situation is to pay 7.5 times the insured amount, which is relatively rare in the market. Let's take a look at Lexiang Healthy Adult Edition 202 1, which also includes 6 mild diseases, 1 moderate diseases and 1 severe diseases. The compensation of the adult version is slightly lower than that of the children's version, but the maximum compensation is three times.
2. Enjoy the health 202 1 conversion annuity.
Lexiang Health 202 1 Critical illness insurance has the function of annuity conversion, which can be used by both children and adults. The conversion fund has the right to convert the insured amount or cash value into a specific annuity, providing certain protection and facilitating the elderly.
Give consumers more comprehensive protection, and don't worry that they have no income when they are old.
Compared with other critical illness insurance products on the market, most critical illness insurance products have no annuity conversion function: "Shocked! Comprehensive 136 comparison of popular critical illness insurance "
After studying the advantages of Lexiang Health 202 1, let's look at its disadvantages: the waiting period of Lexiang Health 202 1 is too long, which is 180 days. For consumers, the shorter the waiting period, the better! Of course, the corresponding insurance companies will take greater risks.
Nowadays, the competition in the critical illness insurance market is fierce, and new products emerge one after another. At present, the waiting period of many products is 90 days! Enjoy health for 202 1 or 180 days, which is twice as much as other critical illness insurance. This is really unfriendly to consumers!
Regarding some details of the waiting period, Senior Sister arranged in this article: "Will the insurance company pay for the accident 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?
Lexiang Health 202 1 Critical illness insurance is a lifelong critical illness insurance, with perfect protection, basic protection such as serious illness, moderate illness and mild illness, and multiple payments, giving the insured better protection. If there is only a demand for basic security, Lexiang Health 202 1 can meet the demand.
Enjoy the performance of health 202 1 critical illness insurance. If you want to compare other products, you can read this article. "I don't know which critical illness insurance to buy? After reading these top ten lists, you won't be entangled. "
Write it at the end
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