In recent years, major insurance companies have launched their own fist products, and they are all newly defined critical illness insurance products. Among them, Evergrande Life's Eternal Health 202 1 has just attracted everyone's attention!
Generally speaking, most of the seriously ill products that have been paid for many times are paid in groups. The claim rate of multiple payments without grouping has gone up, and the risks that insurance companies have to bear have also become higher. Therefore, in the critical illness insurance market, most of the products paid for many times are paid twice, at most three times. Eternal Health 202 1 has been compensated for six times without grouping.
First, is the protection of the permanent health 202 1 version good?
Permanent Health 202 1 version of the serious illness compensation, not divided into six groups, the proportion of compensation increased in turn.
202 1 Edition Eternal Health is also a multiple compensation for mild and moderate diseases without grouping. The compensation ratio is also reasonable. In addition, unlimited compensation for malignant tumors and artificial lung care insurance money are also the guarantee of lasting health. From the security point of view, the security of Permanent Health 202 1 is still very good.
Next, let's take a look at the advantages of permanent health 202 1:
1. Pay 6 times for serious illness without grouping.
It can be seen that Hengjiu Health 202 1 can claim compensation for 6 serious diseases at most, and there is no grouping, so it is a product with more compensation among similar products. Moreover, the compensation amount of Hengjiu Health 202 1 is increasing. The first two payments are based on the insured amount, and the second serious illness increases by 10%.
2. Ensure the content is complete, covering moderate and mild diseases.
Permanent health insurance 202 1 comprehensive protection, including the protection of mild and moderate diseases, but also the payment without grouping. In terms of high incidence and mild symptoms, it covers all diseases that meet "Long-term Health 202 1". Eternal Health 202 1 also includes the protection of cancer in situ, which has become one of the advantages.
3. Artificial lung can be additionally compensated.
In the critical illness insurance, there is usually protection for lung diseases, and Permanent Health 202 1 still provides additional compensation for artificial lungs. If the patient needs artificial lung after being diagnosed by a specialist, the insurance company will pay 60% of the basic insurance amount to the insurer.
Having finished the advantages of Eternal Health 202 1, Eternal Health 202 1 still has some matters needing attention, otherwise it will be bought for nothing: "Want to buy Eternal Health 202 1? I advise you to think it over carefully! 》
Then let's take a look at the shortcomings of this product:
The second compensation for cancer is strict.
Long-term Health 202 1 The interval between the second payment of malignant tumor and the second diagnosis of the disease is 5 years, while the interval between other good critical illness insurance is only 3 years.
In addition, the malignant tumor diagnosed again after an interval of 5 years cannot be a recurrence of the old disease. If it is an old disease, it can only be compensated if it achieves complete clinical remission or if it is a new malignant tumor. Therefore, permanent health 202 1 is of little significance in the second payment of cancer, and there is still a lot of room for improvement.
So some friends will think that the second compensation for cancer is really that important? The length is long, and the senior sister put what is cancer compensation in this article. Remember to take a look: Is it really necessary to add the second compensation for cancer? An analysis!
2. Is Permanent Health 202 1 worth buying?
After reading the above guarantees, in fact, the 202 1 version of permanent health can still be started. Compared with excellent products of the same type, Evergrande Health Edition 202 1 has several bright spots, and its basic guarantee is also sincere, involving not only the protection of death, but also the protection of high incidence and mild illness.
Evergrande Health 202 1 can pay up to 6 times the compensation for serious illness, but most similar products do not have this guarantee. In addition to these, Evergrande Health 202 1 also has artificial lung protection, which is a bright spot, equivalent to double protection of the lungs. Friends who are more concerned about "multiple compensation for critical illness" and "lung function protection" can also be insured ~ However, if you want to configure critical illness insurance products with higher cost performance, you have to look at other products on the market.
After a long period of data collection, the senior student was finally able to sort out the comparison table of more than 100 kinds of products: "Hematemesis Arrangement-136 China Epidemic Serious Diseases Comparison Table".
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!