Generally, group critical illness insurance products with multiple payments are more common. Because it is more risky for insurance companies not to pay for multiple times in groups, at present, most of the multiple payments for critical illness insurance are twice, and rarely three times. Eternal health 202 1 multiple compensation without grouping can reach 6 times. If economic conditions permit, it is recommended to buy.
1. How about Permanent Health Protection 202 1 version?
If you want to buy Eternal Health 202 1, you must look at these key points: some careful machines of Eternal Health 202 1, don't buy blindly if you don't know clearly! 》
Permanent health 202 1 serious illness will not be paid in groups for 6 times, and the amount of compensation will increase with the number of times.
In the protection of mild and moderate diseases, the 20021version of Permanent Health is also set to not pay multiple payments in groups. The compensation ratio is also reasonable. In addition to the above guarantees, the permanent health 202 1 version also has unlimited compensation for malignant tumors and artificial lung care insurance. In terms of safety, permanent health 202 1 is quite good.
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 can pay for 6 serious illnesses, without grouping. Among the products of the same type, it belongs to the products that pay more. Furthermore, the payment amount of permanent health 202 1 is incremental, the first two payments are based on the insured amount, and the third-sixth payment for serious illness is increased by 10%.
2. Ensure the content is complete, covering moderate and mild diseases.
The protection of permanent health 202 1 is very thoughtful, including mild and moderate diseases, in the form of no grouping and more compensation. 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 has become one of the highlights.
3. Artificial lung can be additionally compensated.
In fact, the critical illness protection in critical illness insurance originally includes lung diseases, and Permanent Health 202 1 also provides compensation for artificial lungs. The insured can get 60% of the basic insurance amount if it is really necessary to use artificial lung after being diagnosed by a specialist.
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 the permanent health 202 1 is as long as 5 years, while the interval between other excellent critical illness insurance generally only needs 3 years.
In addition, the malignant tumor re-diagnosed after an interval of 5 years cannot be a recurrence of the old disease, but only a new malignant tumor, or an old disease metastasis after clinical complete remission, before payment can be made. In fact, the second payment for this cancer is really limited, 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!
Second, the price of Eternal Health 202 1 is not worth recommending to buy.
Generally speaking, Evergrande Health 202 1 is still worth buying. Evergrande Health Edition 202 1 has obvious advantages and adequate basic protection, such as some routine death protection, minor illness protection and in-situ cancer protection.
Evergrande Health 202 1 can pay up to 6 times the compensation for serious illness. For many products, this guarantee will not increase. In addition, Evergrande Health 202 1 also has a special guarantee that has to be mentioned, that is, artificial lung protection, which protects the lungs more fully. Friends who value the two responsibilities of "lung function protection" and "multiple compensation for serious illness" can seriously consider it ~ but if you want to pursue cheaper and more comprehensive products, you can shop around before making a decision.
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