Original: Inscription of the Guardian Staff: If there is no perfect product, just choose a product that suits you. The [Product Review] series of Insurance Advisors is just to find out what insurance sales are unwilling to tell you. It doesn't matter whether it's praise or critic

Original: Guardian

Preface: There is no perfect product, just choose a product that suits you. The [Product Review] series of Insurance Advisors is just to find out what insurance sales are unwilling to tell you. It doesn't matter whether it's praise or criticism, it only depends on the contract.

01

Overview

As required by the WeChat official account backend fans, the product tested today is: Hetai Life Super Mary 2020 Major Disease Insurance. In fact, the registration name for this product is: Hetai Ankang Worry-free Critical Disease Insurance. However, the name is not the key, because no matter what name is, it cannot change the responsibility content of this product.

Regarding the "glorious and upright" part of Hetai Life Insurance, go to the official website or Baidu to take a look, and I won't repeat it here. The protection liability of this product is divided into two parts: required liability and optional liability, including: death insurance, malignant tumor insurance, and benign tumor surgery insurance.

Required Responsibility

Severe Illness: 110 types, compensation 1 time, compensation insured

Medium symptoms: 25 types, compensation 2 times, compensation 50%/60% coverage

Mild symptoms: 40 types, compensation 3 times, compensation 30%/40%/50% coverage

Payment period: 10 years/20 years/30 years/ to 60 years old

Protection period: Lifetime/to 70 years old

Optional liability

Death: Pay basic insurance

malignant tumor additional compensation: Extra compensation 120% insurance

Specific benign tumor resection insurance: Extra compensation 10% insurance

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02

critical illness liability

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Comments: 110 types of serious illnesses, compensation once;

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Comment: In addition to the terms of hemolytic uremia, the latter two diseases are also acceptable. After all, osteogenesis insufficiency rarely occurs in adults, and it is not too much for spinal muscular atrophy to be limited to after the age of 5.

03

0 MS 0 MS 0 MS 1 MS 0 MS 1 MS 0 MS 1 MS 0 MS 1 MS 0 MS 0 Comments: 25 types of MS MS 6 MS 7, pay 2 times, pay 50%/60% of the insured amount respectively; MS 7 two MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS MS

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04

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mildness liability

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1. 50 mild symptoms, 3 compensations are paid, and 30%/45%/55% of the insured amount are paid respectively;

2-There is no interval between the two mild symptoms, but there are invisible groups.

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0 From the terms and conditions, there are 6 types of 7 high-incidence mild symptoms. Since the terms of mild cerebral stroke are placed in the middle-surgery group, there is no shortage of the situation. Of course, the incremental compensation ratio is also pretty good, but there are still many cases of invisible grouping.

05

premium exemption

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Comment: If the insured suffers from mild or moderate symptoms, follow-up premiums can be exempted. In addition, if you choose additional insurance for malignant tumors and critical illness exemption liability, you can enjoy critical illness exemption.

06

Death liability (optional liability)

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Comment:

1. This responsibility is optional liability, you can choose to attach or choose not to attach;
2. The insured died before the age of 18 and has paid the premium;
3. The insured died after the age of 18 and has paid the basic insurance amount.

Below is the death exemption for this product:

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Comment: The death exemption for this product is 7, which is similar to most death exemptions. It is not much or less, and there is nothing special about it.

07

extra compensation for malignant tumors (optional liability)

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Comments:

1. Secondary responsibility for cancer is optional Responsibility can be attached or not;
2. insured person suffers from serious illness as a malignant tumor for the first time, and after three years, he will suffer from malignant tumor again, and an additional 120% basic insured amount is paid;
3. insured person suffers from serious illness as a non-malignant tumor for the first time, and after one year, he will suffer from malignant tumor, and an additional 120% basic insured amount is paid; the secondary cancer compensation liability for this product is relatively sincere. It is not like some products that require cancer to occur first before you can get a second compensation. If the first time it happened was not cancer, then there would be no second compensation.

08

Specific benign tumor resection insurance (optional liability)

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Comment:

1. The insured suffers from a specific benign tumor for the first time and undergoes a specific benign tumor resection, and can compensate 10% of the basic insurance as a specific benign tumor resection insurance;
2. The specific benign tumor responsibilities of this product include: glioma, fibroma, hamartoma, rhabdomyoma, adenoma, papilloma, leiomyoma, polyps, etc.
3. The organs that cause specific benign tumors include: spinal cord, heart, lung, liver, pancreas, kidney, bladder, ureter, testicles, esophagus, stomach, small intestine, large intestine, and breast.
4. is responsible for this, because only this product has it and no other critical illness insurance, so it is impossible to compare it. If you care more about the tumor, you can add it.

09

compares

In order to avoid fighting with insurance sales, the content behind is not released. If you are interested, you can search the WeChat official account Baocanmou to view the original text.