Does Taikang Health have an appointment?

The development of every insurance always has its emphasis, such as more comprehensive protection in serious illness or dividends, but similarly, the development of every insurance always has its disadvantages. Today, I will talk about the shortcomings of Taikang Health about this insurance product.

Taikang Health has some shortcomings about 20 18plus:

1, no policyholder exemption.

There are about 2 108 similar products of the same company as Health, such as Health 100% A, Lean Kang and so on. Minor illness/serious illness/death are all deductible, while Taikang Health has about two versions, 20 18 and 20 16, and there is no deductible, which is the biggest drawback.

2. Severe payout ratio low.

20% of the basic insurance coverage for serious illness can be paid up to 5 times, which is really a little lower than 25% of some good products, but this is not a big disadvantage, just for your reference.

The insurance method is limited.

About 20 18 of Taikang Health is group insurance, which is difficult for individuals to buy. Only a few people can be insured in the form of group insurance, but the price of group insurance will be cheaper.

Generally speaking, it is not easy to find that Taikang Health has a disadvantage of about 2,065,438+08. Can only say that its advantages are too obvious. For example, the insurance premium is cheap and cost-effective, the cumulative compensation for minor illnesses can reach 200%, the disease protection rate is as high as 98%, and the waiting period is as short as 80 days, providing accidental disability protection. Friends who are not recommended can consider starting with these small shortcomings.