This evergreen tree has been launched many times, and many people will think it is an upgraded product of the same type as the evergreen tree in the past. However, this time, evergreen (multi-version) points to "heavy protection", which is a standard critical illness insurance with no return, multiple payments for serious illness and super-full disease protection.
Snail king insurance:
Evergreen Universal Edition 20 17VS Evergreen Multiplication Edition 20 18
Summary:
All-round version: one-time payment, no symptoms, birthday money return, and the guarantee is basically enough, just as its name "all-round";
Multiple version: multiple compensation, moderate illness, no birthday bonus, focusing on the depth and breadth of disease protection, return? There is no such thing, dear ~
The two products have their own emphasis. Therefore, if we evaluate the cost performance of Evergreen Tree (multi-version), the target should be the online celebrity critical illness insurance with high cost performance, and it is also based on disease protection and China's disease-Tianan Health Source (Yuexiang).
Speaking of origins, there are also some. Whenever a new product is produced in one of Huaxia Fu series, Evergreen series and Health Source series, it will inevitably lead to many people's difficulties in choosing:
At that time, two or more versions of Huaxia were obviously played under the pressure of Tianan Health Source (exclusive): not much better than you, at least it looks cheaper than you. Unfortunately, Tianan didn't want to play with you, so he jumped out of the price war to play innovation: not much better than you, at least better than you.
Snail Jun comments:
0 1 critical illness insurance, of course, pay attention to the disease first.
There is nothing to say about the number/coverage of serious diseases. Again, in the case of taking care of all 25 diseases, adding more diseases is the icing on the cake.
Not to mention, no critical illness insurance can guarantee 100% of major diseases, but here, the health source does "look strong".
In addition, you can pay for a serious illness many times (after paying for a serious illness, you can pay for a second serious illness again). ) No matter whether it is grouped or not, there will be some meaning of grouping. Therefore, the probability of how much the secondary payment can improve is an index to judge the packet quality, which can be summarized as follows:
No grouping > grouping dispersion >; Less grouping > single payment
It depends on the advantages of disease corresponding grouping. It is best to distinguish malignant tumors with an incidence rate close to 70% from other five high-risk diseases. In this respect, the two products are roughly the same:
In addition, the source of health (enjoyment) also has a bonus item-increasing compensation:
Serious illness can be paid for 6 times, with an increase of 10% coverage per time; Minor illness can be paid for 3 times, with an increase of 5% coverage per time.
For this part of the critical illness protection, the source of health (enjoyment) is a small victory.
02 Look at mild and moderate diseases:
The so-called China's disease is nothing more than classifying the original mild disease as China's disease and increasing the proportion of compensation. Here, it is also the most convenient to directly look at the high incidence and mild symptoms:
The first six diseases have high incidence and mild symptoms. It can be clearly seen that health sources (enjoyment) have advantages:
1, mild stroke, unilateral pneumonectomy, directly called Chinese disease, and pay 50% of the insured amount.
2, loose definition of chronic renal failure, while increasing the amount of compensation.
In addition, there are 19 species with high incidence and mild symptoms, among which 1 species has a big gap:
Evergreen (multi-edition) refers to moderate encephalitis or meningitis as a moderate disease, while mild encephalitis or meningitis is defined as a relatively loose one. Although the incidence is not very large compared with the first six, the sincerity is not bad.
03 others
Including the minor illness exemption of the insured, terminally ill insurance money, etc. All risks (except PICC) can be supplemented with minor illness exemption of the insured;
Health source (enjoyment) industry initiative-hospitalization care allowance insurance;
This seems to be a cheap accidental hospitalization allowance, but it feels like hospitalization, and the compensation still accounts for the insured amount. Is it that good? Even so, lowering the compensation standard for serious illness after 60 years old is actually a straight line!
For example, after the age of 60, cardiovascular and cerebrovascular diseases are high. At present, many conditions need to be met, and this kind of hospitalization care allowance can make the elderly in need get the money for medical treatment in advance, which really plays the role of insurance and is very suitable for actual needs.
Summary:
Generally speaking, the protection of evergreen trees (multi-version) is not bad; The claim of Health Source (Yuexiang) is more humane, but the price is so high, which is a pity. However, you bought a serious illness for life. Do you still need a few hundred dollars? Look at several characteristics enjoyed by health sources:
1, president of insurance coverage;
2. The compensation standard is reduced after old age.
The value of these two articles is far greater than the expensive three or four hundred dollars, so Snail Jun already has the answer in his heart: both are good, but it is better to appreciate them.
(Insurance professionals rely on snails to prevent pits. Jun Zhihu: Snails say insurance)
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.