Is there really such a fairy product? 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?
First of all, let's take a look at the protection map of love and health:
In fact, the content of health protection is quite simple, and the only three kinds of protection are serious illness and death protection. This guarantee is really thin:
1.？ Lack of traditional Chinese medicine protection
In the guarantee of enjoying health, there is a very important guarantee for Chinese medicine! This is really unreasonable. After all, the protection of middle illness has already become the "standard" of critical illness insurance in the market, and minor illness and serious illness are the basic protection of critical illness insurance.
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 mild to moderate diseases may be found. If there is no medical insurance, the following situations may occur:
For example, Xiao Ming was 30 years old when he bought critical illness insurance, and the insured amount was 654.38+ 10,000 yuan. After the waiting period, I found myself eating Chinese medicine.
At this time, if the critical illness insurance previously insured is Versailles 1, the first-time critical illness insurance can pay 60% of the insured amount and 15% of the additional compensation. After calculation, the compensation is about 75,000 yuan; As long as you choose the products from Ai Xiang and Jian Kang, to put it bluntly, there is no corresponding minor illness protection, so naturally there will be no corresponding compensation. Therefore, there is no guarantee for China's disease, which is a great loss for us.
2.？ Pay less.
At present, most people think that there are many problems in the protection of minor illness and serious illness that love to enjoy health!
Critical illness insurance is the first one we talk about, and it can only provide 100% coverage as compensation, and only pay 1 time. The setting of extra compensation for critical illness insurance does not exist. Perhaps other excellent critical illness insurance also has its own characteristics. For example, Versailles 1 stipulates that 80% of the 60-year-old forehead compensation. In addition, Kanghuibao Ultimate Edition 2.0 also set a 60% bonus beyond the 60-year-old forehead. These are excellent levels of compensation for serious illness in the market.
In addition, there is minor illness protection. Although it is said that a * * * will be handed in three times, it also stipulates the interval of 1 year, which is too treacherous. Generally speaking, most serious illness insurance will not set an interval for minor illness compensation, but if you like to enjoy a healthy interval setting, it is much more difficult to pay. In this case, at first glance, there is no bright spot in protecting health.
If you really want to know what kind of performance Ai Xiang Jian Kang has in the critical illness insurance market, Senior Sister has prepared a critical illness insurance comparison table for everyone. You can know:
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 results, we draw some conclusions. The compensation for serious illness is not in place, and the compensation for mild illness is not in place, which is barely understandable, so there are only a handful of places that can make people shine.
Not only that, but other settings that love to enjoy health also have many problems. For example, there are only two options for the payment period, 10 or 15, which is unfriendly to some people who have no stable income and cannot be flexibly selected.
People who love to enjoy health also have many insurance restrictions. The maximum amount of insurance is only allowed to buy 400 thousand, and only some first-and second-tier cities within the specified range can be insured, and the conditions are relatively limited. To sum up, senior three students do not think that the performance of enjoying health is outstanding. If you are a friend who pursues comprehensive and strong critical illness insurance, you can look at other excellent critical illness insurance.
So, what are the critical illness insurance products that senior school sisters think are excellent and want to recommend to everyone? Senior sister lists the better critical illness insurance products selected for you below, so don't waste opportunities:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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