Issue 18
Still struggling with which insurance is suitable for parents to buy?
Still not sure which accident insurance is right for your career?
This issue of quick reviews, bring some good products
Not much to say
Take a direct look at the 5 products in this issue
There is no one for you ？
Let's take a look at their specific guarantees
Term life insurance
Zhen Ai Term Life Insurance is the most recent product of Tongfang Global, and the price is a few dollars cheaper than the zhen ai preferred product that was recently removed from the shelves.
Its protection is very simple, only the death, total disability, such as death due to accidents or diseases, sudden death, etc., can lose a sum of money to the family, suitable for the family's economic support to consider.
We also helped you make a comparison, Zhen Ai term life insurance is more expensive than similar products, if you value the cost performance, you can consider Barley 2022.
Mid-range medical insurance
Shengshi Zhenxuan is a mid-range medical insurance that can reimburse the inpatient expenses of the special needs department, the international department and some private hospitals in public hospitals at the second level and above, which can allow us to enjoy better medical services and full protection.
Its list of hospitals has a total of 3 options, and the second and third lists will expand the scope of private and expensive hospitals on the basis of the original.
In addition to enjoying better medical resources, its value-added services are also more comprehensive, including hospital appointments, medical green passes, home care, direct payment of medical expenses, etc., making the medical treatment process more worry-free.
In addition, we can freely attach outpatient protection, such as cold and fever in private hospitals to see outpatients can also be reported, reach the deductible above can be reimbursed, but its price will be about 3 times more expensive, according to their own budget to choose.
Its deductible has 3 levels to choose from, namely 0, 8000, 24000, if you choose 24000 deductible, you can not add outpatient coverage.
In general, if the budget is sufficient, friends who want better medical resources and medical service experience, this product is still worth considering.
If there are no high requirements for medical resources, and only want to solve the problem of hospitalization costs, then a million medical insurance is actually enough, such as e-care - medical care.
Accident insurance
Big Bodyguard PLUS is a medium and high-risk occupational accident insurance, up to 4 types of occupations can also be bought, such as plumbers, taxi drivers, etc., but men without fixed occupations can not buy.
Its overall protection is relatively comprehensive, and accidental medical treatment can be reimbursed without limit to social security, such as imported drugs and self-funded drugs.
It should be noted that in some cases, the sum insured for death and disability will be reduced by 50% to 80%, such as drowning, high-altitude falls, accidents caused by traffic violations, etc.
In addition, some hospitals are not insured, such as Beijing Pinggu District, Tianjin Jinghai District, etc., pay attention to whether you are in the exemption area before purchasing.
Overall, Big Bodyguard PLUS is great for friends of category 4 classes to buy. If the occupation is 1 to 3 categories, you can give priority to the Little Bee 2 Beyond Edition, which is cheaper and better guaranteed in all aspects.
Anti-cancer insurance
Filial piety is an anti-cancer insurance, and if you are diagnosed with cancer, you can pay a sum of money. This type of product is characterized by loose health advice, and people with three highs and diabetes can generally buy it.
This product is an upgraded version of Xiao Qinbao 2020. Compared with Xiaoqinbao 2020, mild malignant tumors and carcinoma in situ protection have been added, but the price has also increased by about 17%.
It should be noted that people aged 66 and over can only choose to be insured for 10 years and cannot buy for 20 years.
Cancer is the most common serious illness, if parents can not afford to buy critical illness insurance due to health conditions, you can consider buying them a filial piety treasure.
Critical illness insurance
Top Pillar is Alipay's last lifelong major illness insurance, if you suffer from a serious illness in the first 15 years of insurance, you can pay an additional 100% of the sum insured, that is, buy 300,000 to lose 600,000.
This product comes with a death benefit and is more expensive. But if you look at major company brands and have a good budget, you can also consider it.
And if you value the price/performance ratio, you can consider Darwin 6. The same price to buy 300,000 sum insured, before the age of 60 can lose 540,000 to 600,000.
Write at the end
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