Analysis of Advantages and Disadvantages of Tianan Life Health Source 2
Advantages of Tianan Life Health Source No.2
1, Full coverage: This is a health protection type critical coverage covering minor illness protection, ultimate protection, premium exemption, premium refund, total disability protection, death protection and value-added.
2. A large number of diseases: Tianan Health Source 2 can guarantee 105 major diseases and 50 mild diseases, and mild diseases have their own exemption function. In terms of the number of claims, there is also an advantage, and you can lose up to 5 times.
3. The proportion of compensation for minor illness is high: due to accidental injury or after 90 days, the maximum compensation is 5 times; Pay 30% of the basic insurance amount each time; Accumulated payment 150% of the basic insurance amount, with its own exemption artifact.
4. High security for minors and the elderly: Tianan Health Source 2 Enhanced Edition is really full of sincerity in the proportion of compensation for minors and the elderly, especially for minors, which is twice as high as full security; Pay at least 130% of the basic insurance premium for serious illness after the age of 66.
Tianan Life Health Source No.2 Shortcomings
1, the company's reputation is small: obviously, Tianan Life Insurance Company's reputation is relatively small, and some people may not accept it, but anyone who knows the insurance law will know that this is not a big problem.
2. Claims: As far as claims are concerned, as long as the terms stipulated in the insurance contract are met, no insurance company dares not to pay compensation. Then the rest is the speed of claims. The speed of claim settlement is not directly related to the size of the insurance company. Tianan Life Insurance was silent before this year's "China executives' collective job-hopping" incident, and I don't have its claim data, so I won't comment here.
3. Few branches: few branches. Tianan Life Insurance only has branches in Beijing, Jilin, Hebei, Qingdao, Shandong, Henan, Shanghai and Sichuan. Many people in other areas go directly to the insurance company counter to handle related insurance after-sales matters, which is very inconvenient.