Almost all the excellent products produced this year have the option of secondary cancer protection. It is precisely because of the characteristics of cancer: high incidence, easy metastasis and easy recurrence. Cancer has long occupied the first place in the list of critical illness insurance claims of major insurance companies, and we should pay more attention to the protection of cancer.
Generally speaking, Taikang Hui Health is a lifelong serious illness product, which is more expensive than online products, but cheaper than the products of large companies, and there is no hidden pit in the security.
However, the same price or even cheaper premium can buy more comprehensive protection, such as "secondary payment for middle illness", "30% increase in insurance coverage before/in 10/0 year for serious illness", "multiple payment for cancer" and "multiple payment for serious illness"
Hui Jian is superior to China Life Insurance and Ping An Insurance in the single payment of critical illness insurance. The minor illness guarantee not only pays 30% at the beginning, but also pays 5 times, and there are additional payments for high-risk diseases such as "major organ transplantation or hematopoietic stem cell transplantation".
In addition, Huikang also has the responsibility to pay the insured amount at the end of death/high disability/illness, and the protection is more comprehensive. In addition, health benefits are cheaper than national life benefits and peace benefits.
However, compared with the 2.0 version of Huaxia Evergreen, the advantages of Huisheng are gone.
As a product with multiple payments for serious diseases and comprehensive coverage of mild/moderate diseases, Evergreen Fulian 2.0 is cheaper than Huijian. The former paid 6 times for serious illness, 2 times for moderate illness and 3 times for mild illness. It is an excellent product in a big company.
However, regardless of Huaxia Life Insurance, senior feels that Taikang is more sincere in seven major companies (China Life Insurance, Ping An, Pacific, Taikang, PICC, Taiping, Xinhua, etc.), which is much better than Ping An's nearest big/small Fuxing.
Taikang Hui's health guarantee period is life-long, so there is no problem of expiration. Those who surrender midway will be surrendered according to the cash value, and the specific amount will be determined with reference to the cash value table given in the contract. However, if you surrender your insurance within the hesitation period, you can refund the premium in full.
Taikang Hui Health is a critical illness insurance product, providing 65,438+020 critical illnesses and 60 mild illnesses. For mild diseases, it will be paid up to 5 times, each time paying 30% of the basic insurance amount, as well as specific disease insurance benefits, providing insurance benefits such as death, high disability and terminal illness. /kloc-paid premium can be refunded before 0/8 years old, and basic insurance benefits will be paid after 0/8 years old according to the contract, so the diagnosis is mild.