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Which great god analyzes Taikang whole-hearted insurance?

First of all, you should make sure that you don't buy this insurance plan wholeheartedly for the sake of attaching medical care wholeheartedly. If there is, you can take a look at Ping An Electronic Health Insurance. You can get millions of medical care for a few hundred dollars a year, instead of spending thousands of dollars on what you don't want. Don't talk to me about the renewal of medical insurance. The clause says that the insurance company has the right to adjust the expenses as a whole. If you don't want everyone to renew the fee, then adjust a fee that everyone can't accept. How about ping an insurance? I just sorted out the relevant contents, hoping to help you: how about Ping An Insurance? Top Ten Ping An Insurance Products Ranking List!

Secondly, you should make sure that you are not buying a whole-hearted insurance plan for the purpose of returning the premium on time. If so, you can learn about the healthy life of the Great Wall. Not only will the premium be returned to you at the age of 79, but it will not affect the protection after 79. The key is that the premium is much cheaper than wholeheartedly.

Finally, you should make sure that you don't have a whole-hearted insurance plan for Taikang's green pass. If so, you can know that many companies have green links on the market now, not only Taikang, but also Taikang's green links do not monopolize this product wholeheartedly.

Then, we can read the following text.

Taikang Heart-to-Heart Insurance Plan is divided into two types: A, Additional A, B and Additional B. According to the insurance rules, there are only two ways to purchase these four basic types of insurance: A+A+A+B+B.

In order to make it easier for everyone to better understand this insurance, I will give you a general description of what old-age security is. Old-age security, the full name of life and death old-age security, gives money when you are alive, and gives money when you die before the expiration.

As can be seen from the definition of endowment insurance, whole-hearted insurance is a kind of regular return insurance. In fact, it is. Wholehearted insurance is guaranteed until the age of 80, and the premium will be refunded when you live to the age of 80.

So what insurance responsibilities are the four basic insurance types of the whole heart insurance plan responsible for respectively? As follows:

Two A's: 2 times for ordinary accidental death, 0/0 times for driving death (halved after 75 years old), and ordinary death. If you are still alive at the age of 80, you will return all the premiums paid, including the premium for additional critical illness A: 70 kinds of critical illness insurance coverage, and 2 times the insurance coverage for specific critical illness. Best of both worlds: the premium returned after death includes additional B premium. If you are still alive at the age of 80, you will return all the premiums paid, including the extra B premium. Additional hospitalization allowance B: 100 yuan/day, 150 yuan/day, 200 yuan/day, three grades are optional. The longest hospitalization time was 180 days, and the longest cumulative hospitalization time was 1000 days. Looking at insurance liability alone, it is difficult for us to see the cost performance of an insurance, but it is not easy to look at the cost performance of this product wholeheartedly, because this insurance product is more complicated. Then we might as well take it apart and have a look.

Because B is simpler, let's say B first.

With all my heart, I think this insurance is a joke. Take a 30-year-old man as an example. You save 2890 yuan every year for 20 years, and when you are 80 years old, you will get a ***57800 yuan back intact. But only provide you with the protection of 200 yuan/day hospitalization allowance. If you put 57,800 yuan into the balance treasure, there will be 1.700 yuan's income every year. 1.700 yuan can buy a million-yuan medical insurance (1.000% 1 10,000 yuan can be reimbursed for hospitalization expenses, up to 6 million yuan), and then get a million-yuan medical insurance. Even if millions of medical insurance premiums fluctuate, I save all the extra money every year, which is enough for floating figures. Should I give you 200 yuan for one day of hospitalization, or should I reimburse you for all hospitalization expenses every year (up to 6 million yuan a year)? Millions of medical insurance, you can click on the link to view: Ping An E life insurance, 30-year-old plan B only costs 335 yuan, and the maximum reimbursement can be 6 million. Taikang hospitalization insurance and other general medical insurance are used to deduct 1 10,000 deductible, and only 180 yuan is required every year. So my suggestion is that even if you want to buy a whole-hearted protection plan, don't consider item B at first, so look at item A first.

Wholehearted model A (A for both parties +A for serious illness), because A is the responsibility of both parties with 1 million accidents, so we have to split this product into two parts, C for both parties+1 million accidents, D for both parties +A for serious illness.

Two-way C+ plus million unexpected value is a form of million unexpected value insurance to guarantee the return of premium at the age of 80. This form is very similar to the safe million Ren Woxing, but in Ren Woxing, the premium is paid 10 year, guaranteed for 30 years, and returned at the expiration of 30 years 100% or more. Companies of similar products have launched many products one after another, which are basically products with a premium in the circle. The characteristic is that the premium is cheap, and there is still a certain income when it expires. That's good. I'll return it to you intact when it expires. The key is that the term is longer than 30 years (for example, 30 years), and the longer the term, the higher the income. Let's talk about its protection first. Only accidental death and accidental high disability can be compensated. You won't lose a finger or a leg or anything. You bought this insurance, and the next time someone asks you for accident insurance, you think you have accident insurance, but what do you have? That's a castrated version of accident insurance. Sincere accident insurance, coverage 1 10,000 (including disability or disability liability, pay attention to the words, not "total disability" or "high disability"), 500,000 broken legs and 200,000 missing thumbs. In addition, it comes with tens of thousands of accidental medical treatment, only three or four hundred dollars. You have no accidental medical treatment and no accidental disability. What kind of accident insurance is it?

Complete D+ additional critical illness A is a form of periodic critical illness insurance, which guarantees the premium to be returned to the age of 80. Just say one thing, which is better, returning the insurance premium at the age of 80 or the death compensation, let's talk about the numbers first. 30-year-old male, 500,000 insured, 20-year payment period, annual premium 1.46 million yuan. At the age of 80, I paid back 292,000. I will ask you to give you 500 thousand when you die, or 292 thousand when you are 80 years old. Which one do you choose? In this case, there may be both options, because some people want to see the living money. Then I'll tell you again, the one who gave you 500 thousand when he died, can you get more than 400 thousand when you surrender at the age of 80? I believe you will not hesitate to choose this one with death compensation. Let's compare another critical illness insurance of Taikang. 30-year-old male, the insured amount is 500,000 yuan, and the annual premium is12,450 yuan. The warranty period is life. This is the one I mentioned. Because we split "A" into "C" and "D", the premium of "C" is uncertain, so we can't simply say that the premium of this kind of lifelong critical illness insurance is lower than that of wholehearted.

But at least we know we have other options. An insurance company like this, which combines so many miscellaneous insurances, takes up too much premium and gives some castration protection, which is very unfavorable for us to carry out all-round insurance planning.

Generally speaking, it is not recommended to buy this product. It is recommended to buy a serious illness, a life insurance, a medical treatment and an accident. It should be simple and unpackaged. This can be better configured and adjusted.