Before that, let me show you the comparison between Huaxia Evergreen Preferred Edition and various critical illness insurance. We might as well continue our evaluation by looking at the performance: Huaxia Evergreen Preferred Edition pk 136 National Popular Critical Illness Insurance.
1. What is the guarantee content of Huaxia Evergreen Preferred Edition?
First of all, let's take a look at the guarantee content of Huaxia Evergreen Preferred Edition:
As can be seen from the above picture, the preferred version of Huaxia Evergreen is actually a critical illness insurance that has been paid for many times. The basic security includes mild and moderate illness security, serious illness security and death security. Still very comprehensive. What are its advantages and disadvantages? Let's take a look with senior sister.
Advantages of Huaxia Evergreen Preferred Edition:
One of the biggest benefits of Huaxia Evergreen Preferred Edition is that it can actually refund the premium. Some people want to buy critical illness insurance, but they are worried that their money will be wasted if they don't pay it, so this insurance is very suitable. After all, tens of years and thousands of premiums are really stressful for many people.
The premium of Huaxia Evergreen Preferred Edition can get a relatively good return. The key is that the price of Huaxia Evergreen Preferred Edition is less than 10,000 yuan, which is so advantageous compared with similar products. You know, in the case of happiness and love in the Three Gorges, 400,000 insured /80-year-old /30-year-old men must spend 9,600 yuan a year. Compared with the price of evergreen trees in China, the happiness and love of the Three Gorges are very disadvantageous, because in this case, the price of evergreen trees in summer is 7824 yuan.
Disadvantages of Huaxia Evergreen Preferred Edition:
Senior sister thinks that the biggest disadvantage of this product is that it can only guarantee 80 years old. Some people may worry that they may not live to be 80. However, according to the data released by the National Health and Wellness Committee in 20 19, the average life expectancy of China people has reached 77 years, 73.64 years for men and 79.43 years for women. But this is only the average life expectancy, and some people still far exceed this average data.
With the continuous improvement of medical technology, our future life will be longer and longer. Therefore, if you want to cover your life, don't choose to cover only 80 years old.
Then, the older you get, the greater the risk of serious illness. Let's look at this picture.
I'm sure I'll have to treat a serious illness after I'm 80. If you are unfortunately suffering from a serious illness in the future, this serious illness protection can also reduce the financial burden of your child. This is why seniors have always suggested giving priority to lifelong protection when their budget is sufficient, but Huaxia Evergreen Preferred Edition does not have this option, which is not very friendly to people who want long-term protection.
What's more, the disadvantages of Huaxia Evergreen Preferred Edition are far more than this one. Do you want to know more? Take a look at the following article first: Don't rush to buy the Chinese "Evergreen Preferred Edition" and see what its shortcomings are!
Second, is the value of Huaxia Evergreen Preferred Edition worth buying?
Everyone's risk preference and insurance demand may be different. Whether Huaxia Evergreen Preferred Edition is worth buying depends on the specific needs of the insured.
If only the basic guarantee is required, and you don't mind that Huaxia Evergreen only guarantees regularly, senior sister thinks that Huaxia Evergreen Preferred Edition still has a great price advantage in multi-compensation regular critical illness insurance, so you can consider buying it.
If Huaxia Evergreen Preferred Edition pursues comprehensiveness and can cover your life's critical illness protection, I don't need to say more about whether it is suitable for purchase. Relatively speaking, this price is enough to buy a lifelong critical illness insurance, and there is still a lot of money left. It is really unwise to choose 80-year-old critical illness insurance. Are there any critical illness insurance products with full coverage and low price? Of course, regarding the information of these products, Senior Sister has written a product evaluation article before. You can take a closer look: the new definition of critical illness insurance pk is the most worth buying!
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