So many critical illness insurance products, how to choose, interested can see here: "How to buy critical illness insurance, what should I do if the critical illness insurance is removed?" 》
Dad, let's analyze the Taikang critical illness insurance clause ~
1, analysis of major diseases
In 2007, the Criteria for the Use of Disease Definitions in Critical Illness Insurance defined 6 diseases that must be taken care of and 25 serious diseases.
In all claims cases, it has accounted for about 95% of all critical illness insurance claims, which can be said to be the core of critical illness insurance.
Therefore, for serious diseases, it may not be the focus of choice. There is little difference among families and there is no special pit.
2. Analysis of mild symptoms
There is no uniform standard for mild symptoms, and there are considerable differences in terms between different products, which are specifically manifested as follows:
Types of mild symptoms: the number of mild symptoms is different.
Definition of disease: There are some differences in the definition of disease, some are loose and some are strict.
Disease grouping: Some diseases have invisible grouping. For example, 1 disease compensation, other similar treatments do not pay.
Among the products of Taikang Life Insurance, the protection of high incidence and mild diseases such as health appointment, health promotion, Lekangbao and micro-medicine is more comprehensive.