and Taijia Preparation Insurance Exclusive Edition are products that can be paid for secondary compensation for high-incidence serious diseases such as malignant tumors. So is this critical illness insurance good? What are the advantages and disadvantages?
Critical Illness Insurance can provide effective support for the medical expenses, rehabilitation and nutrition expenses of the insured and their families. If the insurance amount is planned sufficiently when taking out insurance, it can make up for the risk of interruption or decline in income. In addition, if you choose to cover critical illness insurance for life, you can cover it until the insured dies. If there is no serious illness claim, you can obtain death insurance according to the accumulated premium paid and cash value when you die.
Today, the editor will introduce to you a product from Hetai Life Insurance - Hetaijia Preparation Insurance Exclusive Edition.
and Taijia Preparation Insurance Exclusive Edition
and Taijia Preparation Insurance Exclusive Edition is a product launched by Hetai Life Insurance that has multiple compensation for serious diseases. The insurance liability covers 30 mild symptoms, 22 moderate symptoms, 100 serious diseases, death, total disability, terminal stage of the disease, as well as malignant tumors, acute myocardial infarction, sequelae of cerebral stroke and coronary artery bypass surgery. It also comes with the insurance premium exemption for mild symptoms, moderate symptoms and critical illnesses.
As a group-type multi-payment product, the Hetaijia Preparation Insurance Exclusive Edition has the advantages of combining and comprehensive coverage of high-incidence and mild symptoms, and is considered a relatively excellent critical illness insurance.
If you have other questions or want to know more, you can leave a message below the article or consult online customer service.
What are the advantages and disadvantages of Taijia Preparation Insurance Exclusive Edition
Since Hetaijia Preparation Insurance Exclusive Edition is considered an excellent critical illness insurance, let’s first take a look at the advantages of this product.
1. The treatment method of illness during the waiting period is friendly
All critical illness insurances have a waiting period. Most products have a treatment method for the diagnosis of mild or moderate symptoms during the waiting period, which is to return the premium and terminate the contract. There is nothing to criticize about this. After all, insurance companies also have to make a living and cannot do everything. However, for such patients, it is almost impossible to insure other products.
and Taijia Preparation Insurance Exclusive Edition will not terminate the contract during the waiting period. Only the responsibility for mild or moderate symptoms is invalid. The insured can accept other protections such as critical illness, which is very humane.
(Mini programs have been added here, please go to the Toutiao client to view)
2, high-quality responsibility for mild symptoms and moderate symptoms
and Taijia Preparation Preservation Exclusive Edition can claim 30 mild symptoms and 22 moderate symptoms, including 10 of the 11 high-incidence mild symptoms, and 5 of them have been upgraded to moderate symptoms. The number of types of improvement is extremely rare among similar products.
The advantage of doing this is that it increases the compensation ratio for high-incid mild symptoms, and also improves the quality of protection for medium-incidence, because medium-incidence itself has no unified definition, and there is no saying that high-incidence and medium-incidence. Doing this with Taijia Preparation Insurance can be said to have put its medium-incidence protection to a higher level.
3, Serious Illness Grouping and Serious Illness
and Taijia Preparation Preferential Edition Serious Illnesses belong to multiple groups, malignant tumors are grouped separately, and other high-incid serious diseases are evenly distributed in the remaining two groups, so as to minimize the impact of grouping on disease claims.
and many similar products that often divide into 6 groups and pay 6 times, the Hetaijia Preparation Insurance Premium Edition seems to have a smaller number of compensation times, but in fact we cannot get 6 compensations, but two or three times are still possible, so such grouping is the most reasonable and practical.
4, high-incid serious diseases, secondary compensation for high-incid serious diseases
Malignant tumors, acute myocardial infarction, sequelae of cerebral stroke and coronary artery bypass surgery are all high-incid serious diseases, especially malignant tumors occupy the C position of high-incid serious diseases for a long time, and are "famous" for their prone to recurrence, metastasis, rebirth and persistence. The Hetaijia Preparation Insurance Exclusive Edition provides secondary compensation liability for these critical diseases and strengthens the protection of related diseases.
After talking about the advantages of this product, let’s talk about its shortcomings. After all, no insurance product is perfect.
has an obvious shortcoming, that is, the interval between critical illness claims is a bit long, whether it is the one-year interval in grouping or the five-year interval in high-incidence critical illness claims. Among similar products, the former is usually 180 days, while the latter is 3 years. For the insured, the longer the interval, the higher the threshold for claims.
Wobao.com summary
and Taijia Preparation Insurance exclusive version are from Hetai Life Insurance, a relatively niche insurance company. Although this type of company is not small, it is impossible for insurance companies to not advertise in this era when "the smell of wine is afraid of deep alleys". Therefore, such companies usually benefit consumers through radical and innovative insurance liability design, thereby broadening market channels. Although there are some flaws in
and Taijia Preparation Insurance Premium Edition, compared with the products of many large companies, the advantages are very obvious, and suitable for those who pursue high security to take out insurance.
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