Friends who don't know Ying Da Taihe Life Insurance can look at this article to deepen their impression:
What about Ying Da Taihe Life Insurance Company? The latest evaluation of the whole network! 》
1. What is the protection of life-long critical illness insurance of Ying Da Life Insurance Company?
Before the formal evaluation, let's take a look at the product form diagram of Ying Da Life Insurance Taihe Bao Bei Lifelong Critical Illness Insurance:
Then, senior sister, let's take a look at the protection content of this Ying Da Life Insurance Taihe Bao Bei lifelong critical illness insurance with the help of critical illness protection, minor illness protection and other protection ~
1. Major disease protection
First of all, I'll show you about critical illness insurance. This life-long critical illness insurance of Ying Da Life Insurance Co., Ltd. can provide protection for 1 10 major diseases, and can pay up to 5 times for the major diseases within the scope of protection. The premium of critical illness insurance paid to the insured is the largest of the basic insurance amount, the premium paid in the early stage and the cash value in the later stage.
It should be noted that the five-time critical illness insurance can be paid in five times, and it is paid in groups. The number of payments for all major diseases in each group is always 1 time. In addition, the interval between two serious illness claims must be 180 days.
2. Mild and mild illness protection
From the perspective of minor illness and minor illness protection, this Ying Da Life Insurance Taihe Double Care Lifelong Critical Illness Insurance provides up to two payments for 30 China diseases agreed in the contract, and each payment gives consumers 50% of the basic insurance amount; The maximum number of payments for 30 mild diseases agreed in the contract is 3 times, and the amount of each payment is 30% of the basic insurance amount.
Compared with many critical illness insurances in China that can cover at least 60% of the basic coverage, the China disease compensation set by Ying Da Life Insurance Taihe Life Insurance is really not very powerful.
In addition, this life-long critical illness insurance of Ying Da Life Insurance Taihe Peihu also has a payment range for minor illness protection, and it takes 90 days to pay twice for minor illness or twice for minor illness. This is not so humanized, and now there are not many intervals for paying for serious illness insurance and minor illness.
3. Other guarantees
Ying Da Life Insurance Taihe Bao Bei's life-long critical illness insurance also has its own death protection and exemption clauses for the insured.
If the insured dies due to accidental injury or after the waiting period, the insurance company will pay the corresponding death insurance money.
If the death time is before the first policy anniversary (excluding) of 18 years old, the death insurance premium shall be paid according to 200% of the paid premium; The age of death has exceeded 18 years old. After the first policy anniversary (inclusive), the death insurance premium will be paid with the largest amount of basic insurance, paid premium and cash value.
In addition, if the insured unfortunately suffers from a serious illness or mild illness stipulated in the contract during the insurance payment period, the subsequent premium of the policy will not be paid, and the policy will not be invalid. This is still excellent.
In addition to the above, senior also analyzed this Ying Da life critical illness insurance from other dimensions. Interested friends can click below to view:
How about Ying Da Life's lifetime critical illness insurance? Look at these points! 》
2. Is Ying Da Life Insurance and Bao Bei Life Critical Illness Insurance worth starting with?
On the whole, Ying Da Life Insurance Company Taihe Life Insurance's life-long critical illness insurance has sufficient basic protection, and it enjoys many serious illness compensation. But the fly in the ointment is that there is no advantage in the compensation for China's disease.
In addition, Ying Da Life Insurance, Taihe Life Insurance, and Critical Illness Life Insurance still have an interval to pay for minor illness, which is not so humanized. Senior sister suggests that you compare it with other similar products.
There are many excellent critical illness insurance in the market, such as this Versailles plus critical illness insurance, with a maximum payment of 180% of the basic coverage of critical illness insurance to ensure strength! You can click below to find out:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
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