How about happy life insurance?

Brother Bao said insurance, focusing on insurance evaluation! What kind of company is a happy life? Recently, I just compiled a summary of the rankings of national insurance companies: How about China Life? Do you have any insurance recommendations?

You can have a look.

Happiness Life is a national professional life insurance company, and its controlling shareholder is China Cinda Assets (a state-owned financial group). Strong background, presumably strength is not simple:

The registered capital of Happy Life reached165438+59 million yuan; The comprehensive solvency adequacy ratio exceeds the prescribed standard, which is 265,438+09.65%. In 2065,438+09, it won the title of Grade A in risk integration. Generally speaking, this company is trustworthy.

I put a more detailed introduction about happy life in this article. How about China Life? Do you have any insurance recommendations?

But buying insurance can't just look at the company's image. The product is the most important thing. What about the insurance products of Happy Life?

Happiness Life mainly sells life insurance, medical insurance, critical illness insurance, accident insurance and other products. The company's insurance products are mainly life insurance and medical insurance products, such as happiness handed down from generation to generation, whole life insurance, happiness and well-being medical insurance, etc.

Then I will mainly analyze the product of happiness and well-being health insurance for you. Before that, let's take a look at the comparison between happiness and well-being medical insurance and millions of medical insurance: what are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020

So, let's look at the responsibility of medical insurance for happiness and well-being:

As can be seen from the above picture, this product does not show great advantages:

Good renewal conditions: there is no need to consider the audit issue when renewing the insurance. Assuming that there are claims or health changes, it will not affect the renewal of insurance.

This product still has many disadvantages:

1, limitation of hospitalization days: average hospitalization and cancer hospitalization can only be reimbursed for 180 days at most a year, which really makes people feel unreasonable;

2, cancer has a deductible: cancer hospitalization also needs to deduct 1 10,000 deductible; Although many medical insurance products on the market will set the deductible for general hospitalization,

3. No value-added services: there are no common value-added services such as green channel and advance payment for hospitalization, no highlight service and lack of features.

Generally speaking, this product is not cost-effective and practical;

If you still want millions of cost-effective medical insurance products, take a look at my inventory: what are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020

There are many medical insurance products with good prices ~