Senior has told you before that it is generally not recommended to buy critical illness insurance if you are over 50 years old. Because it is easy to see " premium inverted " (that is, the premium paid is greater than the insurance amount).
So, if you are buying insurance for your parents and other elders, the senior sister recommends that you buy anti-cancer insurance in instead of critical illness insurance.
Although the coverage content of this type of insurance is not as complete as that of critical illness insurance, it can also protect the cancer risks that everyone is worried about!
just happened to Taikang Pension recently launched a Taikang Health Anti-Cancer Protection Plan . Today, the senior sister will take you to evaluate it together~
The focus of this article:
1. What is the content of Taikang Health Anti-Cancer Protection Plan?
2. Is Taikang Health Cancer Protection Plan worth buying?
1. What is the content of Taikang Health Cancer Protection Plan?
In order to facilitate everyone to understand this guarantee plan for Taikang’s elderly care, the senior sister has created a guarantee map. Please see:
You can find that this Taikang Health and Cancer Protection Plan supports people who are 30 days old to 80 years old in , and its coverage period is lifelong. It contains a lot of protection, such as mild malignant tumor insurance or in situ cancer insurance, severe malignant tumor insurance, death insurance, etc.
In this Taikang Health Anti-Cancer Protection Plan, the senior sister would like to tell you about these points in detail~
1. Mild malignant tumor or in situ cancer insurance
This Taikang Health Anti-Cancer Protection Plan can protect mild malignant tumors and in situ cancer. If the insured is diagnosed with the mild malignant tumor disease or in situ cancer for the first time specified in the contract after the contract takes effect or re-acts for 390 days, the insurance company will compensate 30% of the basic insured as insurance.
You should know that the degree of mild malignant tumors and cancer in situ is not too serious. Even if you are unfortunately suffering, the insured can use the insurance compensation paid by the insurance company to prevent the deepening of the condition and causing an irreparable situation.
2. Multiple payment responsibilities for severe malignant tumors
Insured this Taikang Health Cancer Protection Plan, you can also attach a multiple payment responsibility for severe malignant tumors.
In this way, if the insured is diagnosed with severe malignant tumor disease for the first time and meets the compensation conditions, the insurance company will compensate 100% of the basic insurance amount . In addition, the insured still has the right to continue to enjoy the insurance liability for the second and third severe malignant tumor insurance provided by the insurance company. The insurance premium for severe malignant tumors is 100% basic coverage, and the compensation interval is 3 years .
This guarantee can help the insured person to metastasize severe malignant tumors, new, recurrence, metastasis or persist economic risks brought by , and is very practical.
3. Exemption liability
This Taikang Health Cancer Anti-Cancer Protection Plan is divided into two items: exemption from the insured and exemption from the insured. Among them, the insured's mild malignant tumor or in situ cancer is self-responsibility, and the insured's severe malignant tumor exemption and the insured's exemption (mild, moderate, severe, death, and total disability exemption) are optional responsibilities.
It can be seen that the exemption liability for this insurance plan is quite complete.
If the insured and insured meet the corresponding conditions, the premium exemption mechanism can be triggered and the contract premium is exempted.
2. Is Taikang Health Cancer Protection Plan worth buying?
Overall, the protection content of this Taikang Health Cancer Protection Plan is designed well, and in situ carcinoma, severe malignant tumors and other contents have been considered.
Moreover, it has a very wide insurance age. From babies born for 30 days and to elderly people over 80 years old, you can insure this product. There are also many options during the payment period, and is more user-friendly .
But then again, if you buy cancer insurance for elders, this Taikang Health Anti-Cancer Protection Plan is certainly a good choice.
However, compared with critical illness insurance, the protection of cancer prevention insurance is still not that comprehensive. Therefore, it is recommended that you buy critical illness insurance first when you can buy .
See the end, and there are still questions to chat with us privately?
Please search for the official account: [Xueba Talks about Insurance], and we will patiently answer it one by one for free!
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