The new critical illness insurance on the market comes one after another, all of which are products under the new definition. One of them is called Hengjiu Health 202 1 launched by Evergrande Life Insurance, which has attracted a lot of attention since its launch!
Among the serious illness products that have been paid for many times, group compensation is the most common. The claim rate of multi-compensation without grouping has gone up, and the risks that insurance companies have to bear have also become higher. It is not difficult to understand why the overpaid products in critical illness insurance are basically only compensated twice, at most three times.
1. What are the protection contents of the version of Permanent Health 202 1?
I didn't expect permanent health 202 1 to be compensated for six times in the second time without grouping. Eternal health 202 1 and these key points you must know: some careful machines of Eternal health 202 1, don't buy them if you don't know clearly! 》
Permanent Health 202 1 version of the serious illness compensation, not divided into six groups, the proportion of compensation increased in turn.
In addition, the compensation for mild and moderate diseases, permanent health 202 1 version is also repeated without grouping, and the proportion of compensation is reasonable. In addition, unlimited compensation for malignant tumor and artificial lung care insurance money are also the permanent health protection features of the 202 1 version. From the security point of view, the permanent and healthy 202 1 is not bad.
Next, let's take a look at the advantages of permanent health 202 1:
1. Pay 6 times for serious illness without grouping.
Long-term Health 202 1 No serious illness grouping, 6 claims can be made, which is a product with more compensation in its kind. Moreover, the compensation amount of Permanent Health 202 1 is increasing. The first two serious illnesses are paid according to the insured amount, and the second serious illness increases by 10%.
2. Ensure the content is complete, covering moderate and mild diseases.
Permanent health insurance 202 1 comprehensive protection, including the protection of mild and moderate diseases, but also the payment without grouping. In terms of high incidence and mild symptoms, the basic diseases of Permanent Health 202 1 are covered. Eternal Health 202 1 also includes the protection of cancer in situ, which is one of its highlights.
3. Artificial lung can be additionally compensated.
In the critical illness insurance, lung diseases are generally guaranteed, and permanent health 202 1 can also pay extra for "artificial lung". If it is really necessary to use artificial lung after being diagnosed by a specialist, the patient can get 60% insurance coverage.
After talking about the highlights, let's take a look at the shortcomings of Eternal Health 202 1:
The second compensation for cancer is strict.
The interval between the second payment of cancer in Permanent Health 202 1 is as long as 5 years, while excellent critical illness insurance generally only requires an interval of 3 years.
In addition, if it is unfortunately diagnosed again after an interval of five years, then it is impossible to relapse. Only when the new malignant tumor or old disease reaches the standard of clinical complete remission and then metastasizes, the insurance company will pay the insurance money. That is to say, the secondary compensation for cancer of Permanent Health 202 1 really has little impact, and there is still considerable room for improvement.
So some friends will think that the second compensation for cancer is really that important? The length is long, and the senior sister put what is cancer compensation in this article. Remember to take a look: Is it really necessary to add the second compensation for cancer? An analysis!
2. Is Permanent Health 202 1 worth buying?
Overall, Eternal Health 202 1 is not bad. If we compare Evergrande Health 202 1 with other products, we can find that Evergrande Health 202 1 has several advantages. In addition, its basic guarantees are sincere, including common death, minor illness and cancer in situ.
Evergrande Health 202 1 can compensate for serious illness up to 6 times, and there is no grouping yet. Many products lack this guarantee. In addition, Evergrande Health 202 1 also has a special guarantee, that is, artificial lung guarantee. The insured's lung protection is overweight, and friends who are more concerned about "multiple compensation for serious illness" and "lung function protection" can also apply for insurance ~ But if you want a product that is more in line with the characteristics of "cheap big bowl", you can refer to other products on the market.
Want to know what kind of products you are more suitable for? Look at this comparison table: National Epidemic 136 Critical Illness Insurance Comparison Table.
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