There won't really be such an exciting product, will there? Senior, come and evaluate!
Before understanding the specific content of loving health, we can review the general situation of China Merchants Cigna Insurance Company:
How about China Merchants Cigna? Is it reliable? What are the advantages and disadvantages of the product?
1. What is the performance of China Merchants Cigna's lifelong critical illness insurance?
Before we begin, let's take a look at the map of health protection:
The content of health protection is not particularly complicated, only serious illness and mild illness, as well as death protection. Senior still think security is too thin:
1.？ Lack of traditional Chinese medicine protection
Love to enjoy health does not cover the indispensable guarantee of Chinese medicine! This really doesn't appeal to everyone. After all, middle-aged illness insurance has long been the "standard" of critical illness insurance in the market, and the basic protection of critical illness insurance has been included in the protection content, just like mild illness and serious illness.
With the protection of traditional Chinese medicine, it will definitely be better for consumers. After all, everyone will not be diagnosed with a serious illness at once, and it may be found in a mild or moderate illness. If there is no content of Chinese medical insurance, some situations may occur:
For example, Xiaoming bought a critical illness insurance at the age of 30, with a coverage of 65,438+10,000 yuan. After the waiting period has passed, when you are diagnosed with a serious illness.
Then, if the critical illness insurance previously insured is Versailles 1, then the first-time critical illness insurance can get 60% coverage and 15% extra compensation, which is not bad, and the compensation can be 75,000; I like to enjoy Jian Kang's products. Once you choose, it is best to have corresponding minor illness protection, and then you will provide relevant compensation. However, it is unreasonable that loving health does not provide protection for China's disease.
2.？ Pay less.
It is said that the love of health contains many problems of minor illness and serious illness protection!
The first is critical illness insurance, which can only pay 100% of the insured amount, and can only pay 1 time, without additional compensation for critical illness. I suggest you look at other excellent critical illness insurance. Take Fancel as an example. It can pay 80% extra insurance before the insured reaches 60 years old. In addition, there is Kanghuibao flagship version 2.0, which sets an additional 60% insurance for 60 years old. These are excellent levels of compensation for serious illness in the market.
In addition, it is also a minor illness guarantee. A * * * can compensate three times, and it also stipulates the interval 1 year, which is too treacherous. Generally speaking, most critical illness insurance will not set an interval for minor illness protection. But enjoying a healthy interval setting does increase the difficulty of payment. On the whole, the protection of enjoying health is relatively general, and there is no place to attract more customers.
Want to know how Ai Xiang Jian Kang performs in the critical illness insurance market, you can follow the critical illness insurance comparison table prepared by senior sister:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
2. Does China Merchants Cigna recommend health lifelong critical illness insurance?
According to the above analysis, we can know that without the protection of China's disease, it is not comprehensive to enjoy health protection, not only the compensation for serious illness is not in place, but also the compensation for minor illness is not in place. There's really nothing to boast about.
In addition, there are many problems in other settings that love to enjoy health, such as the payment period can only be 10 or 15, so people with unstable income will have some thresholds when taking out insurance, and they cannot choose the payment period flexibly.
And there are many insurance thresholds for enjoying health. The maximum amount of insurance is only allowed to buy 400,000, and you can only choose to insure in some first-and second-tier cities, with more restrictions. Generally speaking, senior students don't think that enjoying health is outstanding. If you want to protect a comprehensive and more favorable friend, you can look at other excellent critical illness insurance.
So what excellent critical illness insurance products will Senior Sister introduce to you? Senior sister screened out the following critical illness insurance products for everyone. Don't miss this opportunity:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!