Friends who have been in contact with Taikang Life Insurance may have heard of this product-it is an "all-round" insurance that combines many responsibilities such as serious illness, accident, death, high disability and due return. It's called Decathlon, and the premium of two or three thousand yuan can incite millions of insurance coverage, which looks really awesome.
In 20 16, after a series of twists and turns, the brand-new universal insurance 20 17 appeared before us.
What about the new product? Is it a sincere upgrade or a new bottle of old wine?
Let's take a look:
0 1 product structure
Universal insurance 20 17 protection plan includes two types of insurance:
The main insurance is Taikang universal insurance 20 17 old-age insurance, and the additional insurance is Taikang additional universal insurance 20 17 critical illness insurance. Among them, the additional risk of critical illness insurance is an advanced payment type of critical illness insurance, and the amount of insurance is used together with the main insurance, which makes this product seem to "protect everything", but in fact it is a one-shot sale-taking care of illness can't protect accidents, and taking care of accidents can't take care of illness.
02 insurance liability
Take a 30-year-old male with a coverage of 654.38+ 10,000 yuan to 70 years old as an example (20 years, the premium is 2750 yuan/year).
Decathlon:
One guarantees death/high disability, two guarantees illness, three guarantees general accidents, four guarantees natural disasters, five guarantees public transportation, six guarantees self-driving accidents, seven guarantees civil airliners, eight guarantees elevator accidents, nine guarantees legal holidays, and ten guarantees can be returned when they expire.
One insurance policy and ten guarantees, isn't it awesome?
But unfortunately, as mentioned above, Universal Insurance 20 17 is an insurance product that can be sold at once. The scope of protection seems to be varied, but all liabilities can only be paid for one of them, and the contract will be automatically terminated once paid.
What is even more funny is that "accidental death/high disability by driving" and "death/high disability by legal holidays" are obviously accidental responsibilities, but they still distinguish between the inside and outside of the waiting period. ! That's ridiculous.
Moreover, Universal Insurance 20 17 has two important bugs:
1. Disability and high disability
The accidental disability liability of this product is not the 8 categories of 2865,438+0 disability liability in the personal insurance disability assessment standard (2065,438+04), but the 8 "high disability" usually included in critical illness insurance products:
Compared with 10 grade 28 1 disability in the disability assessment standard of life insurance, the scope of responsibility of this "high disability" can be said to be greatly reduced.
Here's another fruit stalk:
2. How much coverage is enough?
Based on the product design of universal insurance, only the basic coverage of 6,543,800+million corresponds to the aviation accident insurance coverage of 2 million.
This is easy for customers to have the illusion that "buying 65438+ 10,000 is enough".
In fact, because the probability of accidents is much lower than that of major diseases, in actual claims cases, more than 80% of all-round insurance claims are serious illness claims! And after the claim, all accidental liability is terminated!
It is not so much accident insurance as critical illness insurance covered by accident insurance.
In other words, more than 80% of customers spend about 3,000 yuan in premium every year, but they get 6,543.8+10,000 yuan in critical illness insurance! But also a serious illness that regularly returns to the 70 th birthday!
More importantly:
These customers originally thought that they had enough comprehensive protection, but once they really suffered from a major illness, they would find that the insurance coverage of 654.38+million was completely a drop in the bucket in the face of huge medical expenses.
Those with better economic conditions may return to before liberation; Those with poor conditions can only put down their dignity and borrow money everywhere or "raise money easily"
-obviously bought insurance, but the result is almost the same as not buying it. ...
03 meow boss の broke his mind
In the preview on Monday, I wrote:
Behind the product is actually a game of two kinds of thinking: insurance, whether it depends on selling? Or did you buy it?
Obviously, universal insurance is the kind of selling:
One insurance policy, 10 kinds of protection!
The insured amount is as high as 2 million yuan, only 2750 yuan a year! !
100% of the premium has been paid, and the contract will be returned without risk when it expires! ! !
It is equivalent to a high guarantee of 2 million, and it doesn't cost a penny! ! !
Is this "oratory" I made up quite inflammatory? If the average consumer has not read the previous article, he may be hooked in ignorance and even feel that the "cost performance" is very high.
Because when designing such products, insurance companies aim at "selling well", fundamentally speaking, they put the channel interests above the interests of consumers. The substantive connotation of the product is not important, what matters is that it looks beautiful. From the results, the insurance company got the premium, the channel got the sales revenue, and consumers thought they had bought the benefits and felt at ease. As long as the risk doesn't happen, everything is fine.
However, buying insurance is not just for peace of mind.
Because insurance is not an empty belief, but a real scientific institutional arrangement!
The purpose of buying insurance is the material foundation we actually need when 10 thousand pairs of black swans really come! This material foundation is the reliance of our "peace of mind" and our self-confidence in dignity in the face of great changes.
Universal insurance, a misleading product with "cost performance" as bait, makes consumers have the illusion that "buying 65438+ 10,000 yuan" is enough, and then pays for an illusion.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.