A new product of Taikang Life Insurance-Lexiang Health 202 1 will be launched soon, and it will be officially launched on April 18! This product is aimed at adults and children, and graded payment is more comprehensive and intimate!
Sister Xue decided to evaluate it, so that everyone can better understand the true face of this product!
1. Safety Mining: What is the safety content of Enjoy Health 202 1?
Senior sister organized the product guarantee content of Lexiang Health 202 1 into a table. Let's take a look and listen to the analysis of senior sister:
As can be seen from the above figure, Lexiang Health 202 1 is highly targeted. Because people of different age groups have different security needs, Lexiang Health 202 1 has also specially launched two versions for adults and children.
Enjoy health 202 1 has two versions. In order to let everyone know more clearly, Senior Sister will introduce the differences between the adult version and the children's version of Lexiang Health 202 1 in detail:
1, Enjoy Health 202 1 Adult Edition
Lexiang Health 202 1 Adult Edition is a lifelong critical illness insurance, covering mild, moderate and severe diseases, with a maximum payment of 3 times. A policy includes six kinds of protection: 40 kinds of mild diseases, 20 kinds of moderate diseases, 120 kinds of serious diseases, death, high disability, terminal diseases, exemption from mild and moderate diseases, and annuity conversion function, providing consumers with comprehensive health protection.
2. Enjoy Health 202 1 Children's Edition
Taikang Lexiang Health 202 1 Children's Edition has targeted protection and is a lifelong critical illness insurance customized for children. There are 40 kinds of mild diseases, 20 kinds of moderate diseases, 20 kinds of severe diseases 120 kinds, high disability/death/terminal diseases, and the exemption of mild diseases/moderate diseases/severe diseases is also self-contained. At the same time, it has the function of annuity conversion, and innovatively introduces major illness care insurance. The severely ill group can pay up to 7.5 times of the basic insurance amount, giving children better protection and care.
Second, in-depth interpretation: What are the advantages and disadvantages of Lexiang Health 202 1?
Let's take a look at the advantages of Lexiang Health 202 1:
1, enjoy health 202 1 Pay more.
Enjoy health 202 1 children's edition has five serious diseases, 1 medium diseases and six mild diseases. In terms of compensation, the maximum compensation is 7.5 times the insured amount, which is still quite powerful. Enjoy healthy adult version 202 1 serious illness 1, moderate illness 1, mild illness 6. In the amount of compensation, the children's version is more than the adult version, but the adult version has also reached three times the insured amount.
2. Enjoy the health 202 1 conversion annuity.
Both children's and adults' versions of Health 202 1 critical illness insurance can use the function of annuity conversion. Converting annuity refers to the right to apply for converting insurance amount or cash value into a specific annuity, which is beneficial to the elderly.
Consumers have more protection, so they don't have to worry about having no money to support themselves when they are old.
Compared with other critical illness insurance products on the market, most of them do not have the annuity conversion function: "Shocked! Comprehensive 136 comparison of popular critical illness insurance "
After reading the highlights of Lexiang Health 202 1 Critical illness insurance, let's take a look at its shortcomings: Lexiang Health 202 1 Critical illness insurance has a long waiting period. For the insured, the shorter the waiting period, the better! At this time, insurance companies have to take more risks.
Now the competition in the critical illness insurance market is extremely fierce. You can sing, and I will appear. Now there are many products waiting for 90 days! The waiting period for Enjoy Health 202 1 is 180 days, which is twice as long as others. This is really unfriendly to consumers!
In this article, Senior Sister has introduced the waiting period in detail: "Will the insurance company pay for the accident during the waiting period? It is easy to suffer if you don't understand! 》
Third, the senior summary: Enjoy Health 202 1 Is it worth buying?
Lexiang Health 202 1 Critical illness insurance is a life-long insurance, with complete protection, basic protection such as critical illness, moderate illness and mild illness, which can obtain multiple compensation and give the insured more protection. If we only pursue basic security, Lexiang Health 202 1 can meet this demand.
It is a good choice to enjoy health 202 1 critical illness insurance. If you want to compare other products, you can read this article. "The new definition of critical illness insurance competition, the most worth buying is actually these ..."
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