Taikang universal insurance is accident insurance, which not only protects against accidents, but also protects against serious illness, and can still be returned when it expires. It looks very good. How to do it specifically? I will analyze this product for you later. Before talking about this product, I suggest you take a look at the domestic accident insurance market, which will help you understand the following analysis: "Super full comparison! Domestic popular accident insurance market "

At present, the Taikang universal insurance on the market is version 20 17. Let's first understand the guarantee content of this product through the picture:

Universal Insurance 20 17 is a refundable long-term accident insurance. This kind of insurance covers quite a lot, including serious illness, general accidents, major natural disasters, traffic accidents and so on. And the compensation ratio seems quite high. Some special accidents can get 20 times the compensation ratio.

But it is not cost-effective. If you don't believe me, you can take a look at my in-depth evaluation of this insurance: "Taikang Universal Insurance guarantees your accident insurance within the validity period."

Due to the limitation of words, I will give you a brief analysis here:

1, this premium is very expensive. A 30-year-old male pays more than 4,000 yuan a year, and it takes 10 years to buy an insurance amount of 10 million. Now there are well-protected accident insurance on the market, which can be easily obtained by spending tens of dollars every year. In contrast, the price of this model is really expensive, which is very stressful for ordinary working families. Although you can get the full premium in a few decades, who can guarantee that inflation will not expand at that time? Can 100 yuan a few decades ago be compared with 100 yuan now? .

2. This does not cover accidental medical treatment, and this does not cover accidental medical treatment.

3. There is also a lack of protection for the disabled. Only when the disability reaches a high level can it be guaranteed, and other levels of disability are not guaranteed.

Therefore, it is generally not recommended for ordinary working families to buy such refundable long-term accident insurance, and the cost performance is too low. Spending tens of dollars a year to buy comprehensive accident insurance can also buy hundreds of thousands of insurance coverage, and the protection is very comprehensive. There is no great need to pay thousands or even tens of thousands of premiums at a time in order to return the premiums. You can look at these, the price is around 100 yuan: "Great value! Large inventory of premium accident insurance in 2020 "