What are the highlights of China Life Plan 2022?

China Life Insurance Plan 2022 is very popular on the Internet. It is said that the cost performance is very high. In fact, it is a protection plan based on critical illness insurance. The maximum compensation for critical illness is 6 times, and the protection content is more comprehensive.

Is this product the same as the one above? Is there any purchase value?

Today, Senior Sister will take you to learn more about this product ~

Of course, the more comprehensive the evaluation, the better. Senior also prepared an evaluation from another angle. Interested parties can view it through the link:

I have to look at these points before applying for China Life Plan 2022! 》

1. How about China Life Plan 2022?

This is an insurance plan with critical illness insurance as the main risk and long-term accident insurance and critical illness exemption insurance as the additional risks.

Before it is too late, let's get to the point. Let's take a look at the safety map specially compiled by senior sister:

This product has four kinds of protection responsibilities, including serious illness, children's illness, death and exemption of the insured. Senior sister, just sort out two of them ~

& gt& gt Major disease protection

China Life Insurance can cover 120 kinds of serious diseases, of course, it actually includes 28 kinds of high-risk serious diseases required by CBRC.

These 28 kinds of high-incidence and serious diseases have covered more than 95% of the incidence of serious diseases.

Therefore, China Life's critical illness insurance covers a relatively complete range of diseases, and there is nothing particularly lacking.

Then it is worth noting that this is a kind of serious illness insurance that pays for many times, and then the maximum payment for serious illness can reach 6 times.

If the insured is still diagnosed with serious illness during the waiting period, the insurance company's responsibility is to refund only the premium paid to the insured;

If the waiting period has passed, and the insured is diagnosed with a serious illness clearly stipulated in the contract for the first time and meets the claim conditions, he can pay according to the higher of the basic insurance amount 100%, the premium paid and the cash value.

Then there will be the second to sixth serious illness after the first serious illness payment, which needs to be more than one year behind the last serious illness, and the insured needs to be diagnosed before reaching the age of 88 to have a chance to pay 100% of the basic guarantee amount.

What everyone must know is that if you are out of danger because of accidental injury, you are not limited by the waiting period.

In addition, each group of serious diseases can only be paid once. If the same group of serious diseases are diagnosed again after payment, even if other conditions are met, it is impossible to get compensation.

So, is it better to choose multiple payments for critical illness insurance or to choose one payment? After knowing the following, you will know how to choose:

Is it more cost-effective to pay more for critical illness insurance? 》

& gt& gt Child disease protection

Critical illness insurance covers 15 kinds of children's diseases, and only bears the liability for compensation once.

Assuming that the diagnosis is made during the waiting period, the insurance company will only refund the premium;

If the contracted childhood diseases are diagnosed for the first time after the waiting period, you can get 100% of the basic insurance amount.

You know, the insured must be under the age of 18 to get this protection.

That is to say, if you are older than 18 at the time of insurance, you can have the protection of serious illness, death and exemption of the insured.

2. Is China Life Plan 2022 worth buying?

Even if this kind of critical illness insurance allows up to 6 claims, it allows several types of insurance to be insured.

But in fact, it is unlikely that a person will suffer from serious illness six times in his life, and as an insurance plan with serious illness insurance as the main type of insurance, its protection is still lacking.

There are only two kinds of insurance for critical illness, which are as follows: critical illness insurance and children's disease insurance. Children's disease insurance can only be enjoyed when the insured is under the age of 18, and does not cover mild and moderate disease insurance.

Therefore, under the condition of insuring this insurance plan, if you are unfortunately suffering from a serious illness, but the degree of illness does not reach the definition of a serious illness, there is no way to get compensation.

Therefore, it is still necessary to pay high treatment costs, which is risky.

It should also be noted that the waiting period is 180 days.

Compared with other critical illness insurance with a waiting period of 90 days, this critical illness insurance is somewhat insincere.

Those who want comprehensive insurance protection and greater compensation may wish to take a look at the following paragraph. The basic insurance amount payable for serious illness is 180%:

"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!