Taikang Health Contract covers 125 serious diseases, 25 moderate diseases and 50 mild diseases. The coverage is relatively comprehensive, basically covering all the development processes of serious diseases and high-incidence diseases. In addition, the age range of the health-related version is relatively wide, benefiting more people. If installment payment is selected, the maximum underwriting age is 60 years old; If you choose wholesale delivery, the maximum underwriting age is even as high as 70 years old.
First, advantages
1. The payment cycle of the health reservation version is flexible.
Generally, during the payment period of critical illness insurance products, only wholesale payment (one-time payment) and installment payment are optional, while the health-related version provides the above two payment methods, and the insured can also choose to pay until the age of 50, 55 or 60.
2. There is extra compensation guarantee for the death of a serious illness.
There are not many products with extra compensation for serious illness in the market, and even fewer products with extra compensation for death protection. Taikang Health Appointment Edition, one of the few products. In the first 20 policy anniversaries after insurance, if the insured unfortunately suffers from serious illness or death, the insurance company will pay an additional 50% of the basic insurance amount, that is, 150% of the basic insurance amount.
Second, shortcomings.
1, the waiting period clause of the health reservation version is strict.
Although the waiting period is only 90 days, once the insured suffers from mild or moderate illness due to reasons other than accidental injury during the waiting period, the insurance company will refund the premium paid by the insured and terminate the entire insurance contract. Excellent critical illness insurance products generally stipulate that if you suffer from mild or moderate diseases during the waiting period, the insurance company will only terminate the corresponding coverage and the rest of the insurance contract will still be valid. This is a sense of security for those who are unfortunately ill during the waiting period after purchasing critical illness insurance. Taikang Health made an appointment to select the edition, which is a bit harsh compared with this.
2. The health reservation version does not cover cancer in situ.
Although the new regulations of critical illness insurance exclude cancer in situ from the scope of protection of mild malignant tumor, it does not prohibit insurance companies from underwriting the disease. In other words, insurance companies can freely choose whether to cover "cancer in situ", but unfortunately, Taikang Health does not cover this disease additionally.
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