Highlights of this product evaluation:
1 and analysis of three advantages of permanent health diamond critical illness insurance
2. Analysis of additional medical details of the Permanent Health Diamond Edition.
First, analyze the three advantages of diamond permanent health critical illness insurance.
The perpetual health diamond edition covers 100 kinds of serious diseases and 50 kinds of mild diseases, including the exemption of the insured's mild diseases. Then compare this product with the current best-selling Taiping Fulu Kangrui. Fulu Kangrui also covers 150 kinds of minor diseases, which are very similar on the whole and have strong reference value, as follows:
Judging from the payment price, the permanent health diamond version is slightly more expensive than Fulu Kangrui, but the difference is not big. In terms of specific details, the Permanent Health Diamond Edition 18 lost twice the premium before its death, which has the following comparative advantages:
Advantage 1: the proportion of minor illness compensation is very high.
Although the Permanent Health Diamond Edition has been paid for three times, the proportion of compensation for this mild illness is 30%, 35% and 40% respectively, which is the top in the critical illness insurance, and it is more realistic to pay for the mild illness five times, each time at 20%. The mild clause of the perpetual health diamond edition is:
Advantage 2: Applicants are free.
The insured may be exempted from paying insurance money if he suffers from minor illness, serious illness, total disability or death. For children, it is more beneficial for parents to be completely exempted. Fulu Kangrui only enjoys the exemption of 55 kinds of serious illness and death of the insured, but not the exemption of minor illness and total disability of the insured.
Advantage 3: guaranteed medical insurance for 5 years.
Evergrande Diamond Edition permanent health can be accompanied by permanent peace of mind in hospital and enjoy millions of medical care in Ankang. The former means that general medical care cannot report self-funded drugs, while the latter can report self-funded drugs. The two complement each other and can guarantee a five-year renewal, which is very rare in small insurance companies. Fu Lu Kang Rui's additional medical care and medical care million medical care do not guarantee the renewal function. The terms of permanent health insurance are as follows:
Two, a detailed analysis of the diamond version of permanent health additional medical insurance
The permanent health diamond edition is very comprehensive in the protection of minor illness and serious illness, and there are no major loopholes. Its additional medical insurance is a major feature. The probability of medical insurance is often more than ten times that of death and critical illness insurance, and its daily practicality is particularly strong. However, there are two details that deserve attention.
Detail 1: The accumulated amount of general medical care is too low.
There is no claim threshold, and there are many daily applications, but the amount is only 5000 and 10000, which is the cumulative amount, not so much every year. Although it is guaranteed to renew the insurance for 5 years, the amount is too low.
Detail 2: Enjoy additional well-being, and the compensation for serious illness is terminated.
This million-dollar medical insurance is not sold separately, but exists as an additional insurance form. Once a serious illness occurs in the permanent health main insurance, the main insurance contract is terminated and the additional medical insurance is directly terminated. This exclusive well-being is useful for chronic diseases or minor illnesses, but once a serious illness occurs, it will be directly terminated, which directly reduces the role of ensuring renewal.
Product summary:
Evergrande Permanent Health Diamond Edition is not the best critical illness insurance, but this critical illness insurance can show the perfect form of a really good critical illness insurance. A good critical illness insurance has three factors:
The protection of severe and mild diseases is comprehensive, and there are no major defects in the protection of serious diseases; Additional general medical insurance renewal, widely used in daily life; Millions of medical insurance can also guarantee renewal, and there is no need to worry about reimbursement for serious illness. In all fairness, if the permanent health diamond edition is attached with higher general medical insurance and sells millions of medical insurance separately, this product can kill most similar products.
If Evergrande Life Insurance can achieve full coverage of outlets, online and online claims and improve medical terms in the future, the products of this life insurance company in the future are worth looking forward to.