"About Remote Insurance" said that my greatest expectation for this insurance at that time was to sell it to the whole country. However, after listing, it was found that from the regulatory point of view, the insurance area of Lekang E-health is limited to Guangdong Province, and consumers in other regions can only buy it through insurance in different places, which has no advantage over other high-cost critical illness insurance.
At the product level, how about Lekang E critical illness insurance? This article introduces you.
0 1
Like the Supreme Insurance, the critical illness insurance of Lekang E's family is also a consumer critical illness insurance. The biggest difference between it and supreme insurance is that it has more minor illness protection and minor illness exemption premium protection, which I know many partners are eager for.
Lekang e health insurance covers 80 serious diseases and 35 minor diseases. The insurance period can be 70 years old, 80 years old, life-long guarantee, and the longest payment period can be 30 years. It is regular critical illness insurance, lifelong critical illness insurance.
The product form of critical illness insurance of Lekang E is very similar to that of Hongkang Healthy Life A. Both of them have mild and mild exemption insurance, which can be guaranteed to 70 years old or for life, and the payment period can also be 30 years. Let's compare it with Healthy Life A and see the difference between protection and premium.
As can be seen from the above table,
Lekang e guarantees 80 kinds of serious diseases and 35 kinds of minor diseases, and guarantees 50 kinds of serious diseases and 15 kinds of minor diseases for a healthy life;
Lekang e pays up to 3 times for mild illness and 2 times for healthy mild illness;
Lekang e life insurance is cheaper than healthy life;
Compared with Hongkang Healthy Life A, Lekang E-student has advantages in the number of disease protection, the number of minor claims and insurance premiums, while Healthy Life A has always been recognized as a cost-effective critical illness insurance, so Lekang E-student is a cost-effective critical illness insurance, which is beyond doubt.
02
Lekang e is cost-effective, so can I buy it at buy buy with my eyes closed? No, it has a few small flaws or pits that make people vomit.
Keng 1
Although Lekang E has guaranteed 35 kinds of mild symptoms, these 35 kinds of mild symptoms do not include the more common atypical myocardial infarction.
Now that 35 kinds of diseases have been lightly protected, the most common atypical myocardial infarction is not covered, which means putting the cart before the horse. Really shouldn't, maybe it's for the sake of good data and easy marketing.
Kenji
Lekang E students' definition of cancer in situ is stricter than that of general critical illness insurance.
Recreation and health requirements:
Cancer in situ: refers to a malignant tumor in which the malignant tumor cells have not penetrated the basement membrane and are not infiltrated in situ. The diagnosis should be based on the histopathological examination results of fixed tissue specimens, and any tissue smear and biopsy results can not be used as the diagnosis basis. The insured must have received active treatment for cancer in situ, including surgery, chemotherapy or radiotherapy.
Tissue smear and biopsy results can not be used as the basis for the diagnosis of carcinoma in situ, which should be actively treated, and other serious illness insurance is not so strict.
I don't think the requirement of cancer in situ has any real impact on consumers. Anyone who is diagnosed with cancer in situ will definitely choose active treatment, and naturally will have the required pathological examination results of fixed tissue samples, and will not let it develop into malignant tumor 1, 2, 3, 4.
This pit can basically be ignored, and other serious diseases are not needed. Lekang E students are all needed, which is distressing.
Keng3
The requirements for changing jobs after insurance are strict.
When Lekang E asks the insured to change his occupation or type of work, he shall notify the insurance company within ten days.
More importantly, according to Fosun United's occupational classification, Fosun United has the right to terminate the insurance contract if the insured's changed occupation or type of work falls within the scope of refusing compensation.
How to understand?
Lekang E-student is eligible for 1-3 insurance, which means that I am now in 1. If I buy Lekang E-student and my career changes to Category 4 in a few years, I will inform Fosun to change my career to Category 4 within 10 days, and then Fosun will consider that my career risk has become higher and it is not covered by insurance.
Maybe, I bought it for many years and lost my insurance because I changed my job.
For Pit 1 and Pit 2, I think they are all fine. If atypical myocardial infarction is not guaranteed, it will not be guaranteed. After all, in the case of good insurance premiums, the number of disease protection has increased to 80 and 35. In addition, buying an exclusive electronic health insurance can solve this problem. Cancer in situ will definitely be treated, and pathological examination will be done, with little impact.
However, the No.3 pit is a real pit, and it may be terminated after changing jobs. Maybe one day you will be faced with such a choice: which of the four types of occupational and entertainment insurance with more money should you choose?
03
In contrast, my view of this critical illness insurance produced by Lekang E is that it is cost-effective, but there are many pits, which is far from the advertised "national critical illness insurance".
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.