This product received a lot of praise when it first came out. Why are you being spit out now? The answer is that this product is a bit out of date. What is the reason? We only look at the contents of the guarantee.
1. Critical illness protection: This product has 77 kinds of protection, and the number of payments is once, which is not bad. It is worth mentioning that the maximum insured amount of this product is 500,000 yuan, which is a relatively recognized level.
2. Mild illness protection: The point where the most spit is coming. This product has no protective effect on moderate diseases! It is generally recognized in the market that there should be at least twice the compensation and 50% compensation ratio, which we should despise and despise. Then look at the minor illness protection. This product is paid in five installments, which is good, but the proportion of each payment is only 20%, which is really not high. In contrast, most other products on the market are paid at 30%.
3. Premium: The annual premium for a healthy life of Huaxia Life Insurance is probably more than 10,000. With the same budget, you can buy products with higher proportion of minor illnesses, more comprehensive protection and even multiple payments.
4. Others: Exemption clauses include minor illness exemption and additional policyholder exemption, which are the provisions of this product on exemption clauses. Mild illness exemption means that the remaining premium is not paid after suffering from mild illness, and the contract continues to take effect, so is the exemption of the insured. This is a relatively common clause.
Due to space reasons, I can only introduce it here. Do you still want to see the true face of China's healthy life? You can read my article ~ How is life in China? Do you have any insurance recommendations?
Summary: In a word, this product is relatively general. I just wrote a ranking a while ago, which contains the latest popular critical illness insurance products. There are too many contents, so I won't show them here. You can poke this article directly to learn more about the hot critical illness insurance inventory of the top ten insurance companies "worth buying"!