Complete protection, basic protection such as serious illness, moderate illness and mild illness. Highlight 1, pay more; Highlight 2: It has the function of converting annuities. But the disadvantage is that the waiting period is long. If we only pursue general protection, Lexiang Health 202 1 can meet this demand. It is recommended to compare similar critical illness insurance products.
Nowadays, new products are constantly being introduced in the critical illness insurance market, and netizens hold different views on each new product.
This Taikang Lexiang Health 202 1 critical illness insurance will also be launched soon, and it will be officially launched on April 18! This product is aimed at adults and children, and graded payment is more comprehensive and intimate!
Introduction of guarantee: What is the guarantee of enjoying health 202 1?
Many people still don't understand the safety content of Lexiang Health 202 1. Senior has compiled a detailed safety map for everyone to see:
As can be seen from the above figure, Lexiang Health 202 1 is more targeted. According to different age groups, it is divided into two versions: adult version and children version.
Friends who want to know more about Enjoy Health 202 1 look here. Senior sister will introduce the differences between the adult version and the children's version of Enjoy Health 202 1 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 maximum payment of 3 times. It provides six major insurance liabilities for 40 mild diseases, 20 moderate diseases, 120 severe diseases, high disability, death and terminal illness, and also gives exemption for mild and moderate diseases. In order to provide consumers with comprehensive health protection, it also designed an annuity conversion function.
2. Enjoy Health 202 1 Children's Edition
Taikang Lexiang Health 202 1 Children's Edition is a lifelong critical illness insurance specially designed for children. Coverage is very rich, covering 40 mild diseases, 20 moderate diseases, 120 severe diseases, high disability/death/terminal diseases. It also comes with mild/moderate/severe exemption and has annuity conversion function. Innovative design of major disease care insurance premiums, serious illness groups pay, the cumulative maximum can reach 7.5 times the basic insurance amount, more care for children's health.
Second, security decryption: what are the advantages and disadvantages of enjoying health 202 1 critical illness insurance?
Let's take a look at the advantages of enjoying health 202 1 critical illness insurance:
1, enjoy health 202 1 Pay more.
Enjoy health 202 1 children's edition has five serious diseases, 1 medium diseases and six mild diseases. The most common situation is to pay 7.5 times the insured amount, which is relatively rare in the market. Enjoy healthy adult version 202 1 serious illness 1, moderate illness 1, mild illness 6. The adult version has a slightly lower compensation than the children's version, but the highest compensation has reached three times.
2. Enjoy the health 202 1 conversion annuity.
Both the children's version and the adult version who enjoy the Health 202 1 critical illness insurance can use the conversion function. The conversion annuity is the right to apply for converting the insurance amount or cash value into a specific annuity when there is no monetary income when supporting the elderly.
Give consumers more comprehensive protection, and you can rest assured that you can support the elderly.
Compared with other critical illness insurance products on the market, most critical illness insurance products have no annuity conversion function: "Hot! 136 comprehensive comparison of critical illness insurance products "
After reading the advantages of Lexiang Health 202 1, let's look at the disadvantages of Lexiang Health 202 1: the waiting period of Lexiang Health 202 1 critical illness insurance is 180 days, and the waiting period is longer. For consumers, the shorter the waiting period, the better! Of course, the corresponding insurance companies will take greater risks.
Now the competition in the critical illness insurance market is extremely fierce. You can sing, and I will appear. Now there are many products waiting for 90 days! The waiting period for enjoying health 202 1 is still 180 days, which is twice as long as the others. This is really bad for everyone!
In this article, Senior Sister has introduced the waiting period in detail. You can check for yourself: "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 is a lifelong critical illness insurance, with perfect basic protection, serious illness, moderate illness, mild illness and so on. And can be paid for many times, giving the insured greater protection. If the demand for security is not so high, Lexiang Health 202 1 can still be met.
Enjoy health 202 1 critical illness insurance is quite good. If you want to compare other products, you can read this article. "I don't know which one to choose for the newly defined critical illness insurance? This list gives you the answer. "
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