Two days ago I wrote about Harmony Health's first Internet critical illness insurance this year - Shenshi No. 7
It's good, but I still feel unfinished
It has absorbed the popular critical illness recovery insurance liability and hospitalization allowance protection in the market
But it is just a copy , there are no particularly eye-catching innovations or outstanding advantages
Until I saw Apollo 2 multiple times critical illness insurance
it was a bit like kicking Ximen Qing and punching the town of Kansai
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Apollo 2 had What are the protection features?
From the perspective of product form, Apollo 2 is a critical illness insurance that can be compensated three times without grouping. It covers mild, moderate and severe illnesses, and there is no mandatory additional death liability.
As per the old rules, we will first take a closer look at this product from the aspects of main insurance coverage, high incidence of mild and moderate diseases, health notifications and premium levels.
✮For those who are impatient, please leave a message "Apollo" and make an appointment for one-to-one consultation. ↑↑↑
1. Compulsory liability
Apollo 2’s critical illness can be compensated 3 times without grouping, and the compensation will be based on 100%, 150% and 150% of the basic insurance amount respectively
In terms of compensation ratio, it is similar to similar products In comparison, it has reached a new high.
The time interval between two serious illness diagnoses and the non-group compensation method are also the best in terms of the entire market.
Why buy critical illness insurance that can pay multiple times?
Let’s first look at a few sets of data
From 2015 to the end of 2019, my country’s average life expectancy increased from 76.3 years to 77.3 years
, which means it increased by 1 year every 4 years.
Some developed areas are even over 80 years old!
The major diseases that are common in different age groups are not exactly the same
Data source: Hengan Standard Life Critical Illness Insurance Analysis Report
As life expectancy increases, the probability of suffering from multiple serious illnesses in a lifetime also greatly increases
2. Optional responsibilities
Apollo 2 provided four optional responsibilities
① Illness care benefit: If you are diagnosed with mild, moderate or severe disease before the age of 60, you can get additional compensation
② Critical illness extended insurance
③ Hospitalization benefit insurance
④ Death liability
We focus on the second item And the fourth item
extended critical illness insurance
Apollo 2’s extended critical illness insurance includes cancer secondary and re-payments for the same critical illness
secondary cancer, including new onset, recurrence, metastasis and persistence. situation
As for other serious illnesses other than cancer, if you want to receive compensation again, it cannot be the continuation of the previous critical illness
Excerpt from the Apollo 2 critical illness insurance terms
That is to say, the previous critical illness needs to be completely cured, and the next critical illness must be completely cured. The location of the confirmed serious disease must be different from the previous time before compensation can be paid again.
Excerpt from Apollo 2 critical illness insurance terms
We know that cancer and cardiovascular and cerebrovascular diseases have a higher probability of recurrence among the most common critical illnesses.
According to insurance company claims reports, the recurrence rate of cancer after three years is as high as 20%, and the recurrence rate of serious cardiovascular diseases after one year is also more than 25%.
Therefore, the critical illness insurance on the market now basically provides secondary cancer or cardiovascular and cerebrovascular secondary liability to realize re-compensation for the same disease.
Apollo 2’s extended critical illness insurance benefits are not limited to disease types and can be regarded as an enhanced version of secondary cancer and secondary cardiovascular and cerebrovascular diseases.
However, the rate is a little expensive. With this protection, the annual cost for a 30-year-old man is 8,075 yuan and for a woman, it is 7,165 yuan, an increase of more than 2,100 yuan.
And the compensation can only be paid once, so it depends on the budget.
Hospitalization allowance insurance
Apollo 2 expanded the claim scope of hospitalization allowance insurance to include mild, moderate and severe hospitalization treatment
Exemption for each policy year 3 days, and the hospitalization allowance is paid at 300 yuan per day for the remaining hospitalization days.
The maximum payment is 50 days in each policy year, and is limited to 100,000 yuan during the contract period.
Unlike the hospitalization allowance that comes with Aegis 7, the hospitalization allowance of Apollo 2 will not deduct the insured amount for critical illness.
If a 30-year-old person adds this responsibility, it will cost three to four hundred yuan a year, which is not cheap.
Additional on demand, abundant and frugal
3. High-incidence mild and moderate diseases
Apollo 2 covers very comprehensively the high-incidence mild and moderate diseases.
Especially coma and paralysis, these two "coverage" diseases that are easy to miss, Apollo 2 included
Another example is " chronic renal failure ", which only requires a duration of 90 days, and the claim threshold is low:
Apollo 2 Excerpt from the critical illness insurance clause
Coma was truly divided into mild and moderate symptoms according to the specific time, and did not fall into the trap with SHIELD No. 7.
4. Health notification
The health notification of Apollo 2 is quite satisfactory
If you are hospitalized for more than seven days within two years or have an abnormal physical examination and are required for further examination, you need to inform
The editor has tried it, underwriting some common diseases
For example, mammary gland nodes Sections , Thyroid nodules are slightly looser
If you have minor physical ailments and are not sure whether you can apply for insurance, you can leave a message for "underwriting"
5. Premium level
If you are 30 years old and apply for Apollo 2 critical illness insurance
Choose 500,000 insured amount, guaranteed for life, must choose liability, 30 years of payment
The annual premium for men is 5,955 yuan; for women, it is 4,985 yuan
This price is even the first-tier Super Mario 6 and Darwin 6 for a single serious illness After reading the number, you will also feel that Yalishan is big.
The price for women is that Apollo 2 is 130 yuan cheaper than Darwin 6
If Super Mario 6 adds critical illness recovery insurance, Apollo 2 is 230 yuan cheaper
What would you choose? ? How does
02
compare with other excellent multiple critical illness insurance products?
Let’s put together some of the more popular multiple-payment critical illness insurance plans for comparison.
If you can't see clearly, you can leave a message "Apollo" and get a high-definition large picture for free
Although they both offer multiple compensations, these products are different:
(1) The time period and proportion of additional compensation for major diseases are different
The multi-fold version of the health insurance comes with an extra 50% of the basic sum insured in the first 15 years
Guardian 5 and Apollo 2 must add disease care benefits to pay extra before the age of 60
Kangrui Life and others Different products, the additional compensation period is after the age of 70, and additional compensation can be paid multiple times, limited to 3 times.
Kangshun Life does not have this function
(2) The method and proportion of secondary compensation for major diseases are different
Health insurance inclusive multiple version is the first to provide cancer subsidy liability, and the claim interval is also the shortest, 1 year
Guardian No. 5 It is also a cancer subsidy, but the first payment ratio is high, which is more beneficial to the patient.
Kangshun Life, Kangrui Life and Apollo 2 do not limit the reimbursement of major diseases.
Kangshun Life and Kangrui Life have a 3-year limit. Finally, if the previous critical illness is still being treated, 100% of the basic insured amount will be paid.
Excerpts of Kangrui Life’s Critical Illness Insurance Clauses
However, there is no relatively clear definition of this continuous treatment like Apollo 2
Xiaobianwei Heidi thought, if after three years, he went to the hospital and asked the doctor to prescribe medicine, would that count as continued treatment?
As for Apollo 2, it is stipulated that if the same serious illness is diagnosed again three years later, 100% of the basic insured amount will be paid.
And the continued treatment of the previous non-cancer serious illness is excluded.
In terms of terms, the editor thinks that Apollo 2 is more rigorous.
(3) After critical illness compensation is paid, whether mild and moderate illness can be compensated again
Health Insurance Inclusive Multiple Edition, Kangshun Life, Kangrui Life and Apollo 2 After the diagnosis of critical illness, the responsibilities of mild and moderate illness After
Guardian No. 5 critical illness compensation is terminated, as long as the number of mild + moderate illnesses does not reach 5 times, and the number of mild + moderate + severe illnesses is less than 6 times, mild and moderate illnesses can still be compensated.
(4) The death liability compensation methods are different
The death liability of Apollo 2, Guardian 5 and the multi-fold version of health insurance can be flexibly added
Kangrui Life’s death liability is a mandatory liability
However, Kang Shun's life had no responsibility for death at all, and he couldn't do so even if he wanted to. After
has analyzed the differences between these products, it will become clearer when we look at their rates.
✮If you want to know the premiums for other ages, you can leave a message "Apollo" to help you calculate in detail↑↑↑
From the perspective of required responsibilities, Apollo 2 has surpassed the multi-fold version of the health insurance inclusive version, and is a proper floor price.
Kangrui Life is ranked the highest among these products because it comes with death liability.
But when other products came with death liability, Kangrui Life became the cheapest one.
In terms of disease care benefits, Kangrui Shengsheng can pay double the basic insurance amount up to 3 times if he is diagnosed with a serious illness after the age of 70. Relatively speaking, the rate is also the highest, with an additional 1,250 yuan and 1,450 yuan respectively.
And Apo Apollo 2 and Guardian 5 both provide additional compensation before the age of 60. The rates of the two products are similar
Apollo 2 can provide additional compensation for mild, moderate and severe cases, which is more practical.
How to choose?
If you want something cost-effective, Apollo 2 is definitely your first choice. There is nothing wrong with the basic guarantee, and the price is very attractive!
It is a good choice to choose it as a mandatory liability, or to add additional compensation before the age of 60.
Especially for women, for the same price as a single critical illness, you can get multiple critical illness protection!
You have a relatively high budget and if you want comprehensive protection, choose Kangrui Life, which comes with additional disease care allowance
After all, the older you are, the higher the chance of getting sick.
The amount of additional compensation can offset decades of inflation, and additional compensation can be made multiple times, which is very exciting!
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The underwriting company of Apollo 2
Harmony Health is one of the seven insurance companies in the country that specializes in health insurance. The company has a registered capital of 13.9 billion yuan, an asset scale of 320 billion yuan, and is headquartered in Chengdu.
The paid premiums in 2020 were 95.248 billion yuan
The top three major shareholders are Fujia Group Co., Ltd., Nanjing Yangzi State-owned Assets Investment Group Co., Ltd. and Zhuhai Da Hengqin Group Co., Ltd.
Fujia Group has been ranked among the top 500 Chinese enterprises for 10 consecutive years. It is a powerful private enterprise.
Nanjing Yangzi State-owned Assets Investment Group Co., Ltd. and Zhuhai Da Hengqin Group Co., Ltd. are both directly affiliated enterprises of the State-owned Assets Supervision and Administration Commission.
As an insurance company, Harmony Health has the flexibility of private capital, the guarantee of state-owned assets, and a sound, efficient and reasonable shareholder structure
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Written at the end
Many friends are confused about whether it is better to buy a single purchase for serious illness for the first time or multiple purchases
The main reason for buying a single purchase is to consider the low price. You can increase the insured amount.
After all, when buying a serious illness, the first payment of the insured amount is the most important.
However, if you buy a single purchase, you are worried that the contract will be over after paying for the critical illness.
What if you get another one later? No matter what the disease, there is no insurance to cover it.
The appearance of Apollo 2 can save these friends a lot of troubles
In the editor's opinion, Apollo 2 is quite suitable for friends who are buying critical illness insurance for the first time
There is nothing wrong with the basic protection, and the price is very attractive, especially It's for female friends.
I heard that the second phase will also increase the protection for children with specific diseases
I seem to see a bee or a bee shivering
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