I want to buy health, welfare and critical illness insurance on Alipay. what do you think?

The responsibility of protecting health and welfare is relatively simple, and health information is relatively loose. The following conditions can also be covered by the standard body: hepatitis B virus carriers, but normal liver function indicators; Female friends with hyperplasia of mammary glands, hysteromyoma, pelvic inflammatory disease or vaginitis; Patients with breast nodule grade 1-3. The specific value is not worth buying, combined with your actual needs.

Want to know what are the shortcomings of health benefits, I recommend reading this article "Alipay Health Welfare Evaluation: Is Alipay Lifelong Critical Illness Insurance Pited?" 》

First, there is not much to say about the evaluation of the adult version of health and welfare critical illness insurance. Let me give you a comparison chart first:

From the content of protection, the life-long version of health protection underwritten by Guohua Life Insurance is the most adequate, including the protection of serious illness, moderate illness and minor illness.

Malignant tumors and specific serious diseases have additional protection, and serious diseases have additional insurance.

One-year health benefits are relatively simple. After all, it is a one-year pure critical illness insurance product, which can be supplemented by minor illness protection.

The general version of health benefits is somewhere between the two, and the content of protection is not as comprehensive as the life-long version of health benefits.

To put it simply, these three kinds of serious diseases target different people:

For these three kinds of health and critical illness insurance, I will analyze with you:

1.？ Health and Welfare Lifelong critical illness insurance

The life-long critical illness insurance is underwritten by Guohua Life Insurance.

You can pay 130% of the insured amount for serious illness 10 years before the policy, otherwise you can pay according to the basic insured amount.

If you are insured at the age of 30, you can enjoy the welfare of 30% of the insured amount before the age of 40.

However, at present, there are many serious illness insurances that can pay an extra 80% of the insured amount for serious illness before the age of 60, which is much higher than it.

2.？ Health, Welfare and critical illness insurance General Edition

The main protection period of the periodic version of health welfare critical illness insurance is 20 years, 30 years and 70 years old.

There are also many differences between the regular version of health benefits and the life-long version in the content of protection.

For example, the regular edition lacks intensive care and cancer protection.