1. What is the guarantee content of Huaxia Evergreen Preferred Edition?
First of all, let's take a look at the guarantee content of Huaxia Evergreen Preferred Edition:
From the above picture, we can know that Huaxia Evergreen Preferred Edition is an overpaid critical illness insurance. The basic protection, including minor illness protection, serious illness protection and death protection, is still very comprehensive. What are its advantages and disadvantages? Let's take a look at them.
Advantages of Huaxia Evergreen Preferred Edition:
One of the biggest benefits of Huaxia Evergreen Preferred Edition is that it can actually refund the premium. Some people think this insurance is very suitable because they have paid so much money, but in the end, they have no claim and spent money in vain. After all, for many people, the premium pressure of decades and thousands is really not small.
In contrast, Huaxia Evergreen Preferred Edition is very good, and the premium can be refunded. It is worth noting that the price of Huaxia Evergreen Preferred Edition is lower, less than 10,000 yuan, which is very competitive compared with similar products. After all, when the Three Gorges is happy, 400,000 insured /80-year-old /30-year-old men will spend 9,600 yuan a year. Under the same circumstances, the price of Chinese evergreen tree is 7824 yuan, which is still very good.
But some people think that this kind of returning critical illness insurance is really so good that we can get protection without spending money? That senior still advises you not to think too much. If you want to know more about the return insurance, you can read this article: "Please take good care of this return insurance! 》
Disadvantages of Huaxia Evergreen Preferred Edition:
The disadvantage of this product is that it is only 80 years old. Some friends may think that they may not live to be 80. However, according to the data released by the National Health and Wellness Committee in 20 19, the average life expectancy of China people has reached 77 years, 73.64 years for men and 79.43 years for women. But this is only the average life expectancy, and some people still far exceed this average data.
With the continuous improvement of medical technology, people's life expectancy will only get longer and longer. Therefore, ensuring that you are 80 years old may not guarantee you a lifetime.
Most importantly, the risk of serious illness increases with age, as shown in the figure below.
You can't say that at the age of 80, you unfortunately got a serious illness and gave up treatment. So there is critical illness insurance. If you are unfortunately suffering from a serious illness in the future, your child's financial pressure will not be too great. Because of this, Senior Sister suggested that we should give priority to lifelong protection when the budget is sufficient, but Huaxia Evergreen Preferred Edition can't choose lifelong protection, which is undoubtedly not suitable for those who pursue long-term protection.
Not to mention that there are still many shortcomings in Huaxia Evergreen Preferred Edition. Do you want to know more? Let's take a look at the following article: Does Huaxia Evergreen Preferred Edition have these shortcomings? I almost stepped in the pit! 》
Second, is the value of Huaxia Evergreen Preferred Edition worth buying?
Whether the preferred version of Huaxia Evergreen Tree is worth recommending depends on the actual insurance demand of the insured.
If you are willing to buy this kind of critical illness insurance after reading the shortcomings of the above-mentioned return insurance, and you only need to include basic insurance, don't mind that this product can't be guaranteed for life. Senior sister thinks that the preferred version of Huaxia Evergreen is still better, and the cost performance is higher among similar critical illness insurance.
However, it is the pursuit of more comprehensive protection, preferably covering your life. Huaxia evergreen preferred edition is not suitable for small partners with such needs ~ relatively speaking, such a price is enough to buy a lifelong critical illness insurance, and there is still a lot of money left. Why do you choose to cover only 80-year-old critical illness insurance? Are there any critical illness insurance products with full coverage and low price? Of course, for information about these products, you can read the following article: "New definitions of the top ten hottest critical illness insurance this year"
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