Is this product worth buying? Is there a pit? We will know soon!
I. Introduction to the content of protection: What about the insurance content of Lexiang Health 202 1?
Without further ado, I present the product essence of Lexiang Health 202 1:
As can be seen from the above figure, Lexiang Health 202 1 is more targeted. According to the characteristics of different age groups, it is divided into two versions: adult version and children version.
In order to let everyone know "Enjoy Health 202 1" more intuitively, Senior Sister will explain two versions of Enjoy Health 202 1 in detail:
1, Enjoy Health 202 1 Adult Edition
Lexiang Health 202 1 Adult Edition is a life-long critical illness insurance covering mild, moderate and severe illness, with a maximum compensation ratio of three times. It provides six major insurance liabilities, namely, 40 kinds of mild illness, 20 kinds of moderate illness, 120 kinds of serious illness, high disability, death and terminal illness, and also provides exemption for mild illness and moderate illness, especially adding annuity conversion function to provide consumers with more comprehensive health protection.
2. Enjoy Health 202 1 Children's Edition
Taikang Lexiang Health 202 1 Children's Edition is a lifelong critical illness insurance specially designed for children. Coverage is very rich, covering 40 mild diseases, 20 moderate diseases, 120 severe diseases, high disability/death/terminal diseases. It also comes with the exemption function of mild/moderate/serious illness, and innovatively designs the critical illness insurance premium, which can pay up to 7.5 times of the basic premium for serious illness, giving children better protection and care.
Second, in-depth interpretation: What are the advantages and disadvantages of Lexiang Health 202 1?
First of all, let's take a look at the advantages of Lexiang Health 202 1:
1, enjoy health 202 1 Pay more.
Lexiang Health 202 1 Children's Edition paid 6 times for mild, moderate and severe diseases respectively, 1 time and 5 times. The maximum compensation can reach 7.5 times the insured amount, which shows that this compensation is still very rough. Enjoy Health 202 1 Adult Edition only pays 1 time and 6 times for minor illness, except for serious illness and moderate illness. The adult version pays a little less than the children's version, but the maximum payment is three times.
2. Enjoy the health 202 1 conversion annuity.
Both the children's version and the adult version who enjoy the Health 202 1 critical illness insurance can use the conversion function. The conversion annuity is the right to apply for converting the insurance amount or cash value into a specific annuity when there is no monetary income when supporting the elderly.
It can give consumers more suitable protection, and they can provide for the elderly with peace of mind, without worrying about no income.
Compared with other critical illness insurances in the market, most critical illness insurances have no annuity conversion function: 136 Comparison of popular critical illness insurances in China.
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 consumers, the shorter the waiting period, the better! Of course, the corresponding insurance companies bear great risks.
In particular, the competition in the critical illness insurance market is extremely fierce. You can sing me out, there are already many products with a waiting period of 90 days! The waiting period of Lexiang Health 202 1 is 180 days, which is twice that of other critical illness insurance. This is really not sweet enough!
This paper sorts out some details about the waiting period: "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 is a life-long critical illness insurance, which covers all-round, severe, moderate and mild diseases, and can be paid for many times, giving the insured greater protection. If the demand for security is not so high, Lexiang Health 202 1 can meet this demand.
Lexiang Health 202 1 The performance of critical illness insurance is ok, and I want to see more products. You can come in and have a look at these. "The new definition of critical illness insurance competition, the most worth buying is actually these ..."
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!