0 1 What does Zhongan enjoy in E critical illness insurance?
I collected and sorted out the relevant information of this product and made a table to let everyone know the basic content of Ta. Details are shown in the following table:
Insurance principle
The age limit of this product is 18-60 years old, and the protection is mainly for adults, and the maximum protection can be extended to 80 years old.
It should be noted that consumers aged 50-60 can only insure 654.38+ million, 200,000 and 300,000 versions.
The guarantee period is 1 year, which belongs to the consumer critical illness insurance with one-year insurance.
If the insured is insured for the first time or intermittently, the waiting period is 90 days; There is no waiting period for the insured to insure continuously; If the serious illness or mild illness agreed in the contract is diagnosed within the waiting period, the premium paid will be returned.
Guarantee content
major disease security
Serious illness covers 70 kinds of major diseases, including common cancer, stroke sequelae, coronary heart disease and other high-risk diseases, and pays 100% of the basic guarantee.
Minor illness protection
30 kinds of mild diseases such as atypical acute myocardial infarction, coronary intervention, mild stroke sequelae, etc., 20% of the basic guarantee will be paid.
Death protection
If the insured dies unfortunately, pay 100% of the basic insurance amount.
Other guarantees
Enjoying E-life critical illness insurance also includes sudden death protection, and you can get a certain proportion of compensation.
Rich in value-added services, such as green channel for medical treatment for serious illness, telephone consultation for serious illness, second diagnosis and treatment by famous experts, hospitalization arrangement, operation arrangement service, etc.
It should be noted that there is a waiting period of 90 days for the second consultation and hospitalization operation arrangement service.
Is it worth buying an electronic life for everyone?
I selected several products with high cost performance for comparison, as shown in the following table:
Not much to say, just summarize and recommend:
Pursuing comprehensive protection and high proportion of compensation: Super Mary 3 max
Super Mary 3 max has comprehensive protection, including secondary compensation for malignant tumor and specific cardiovascular and cerebrovascular diseases, with premium 1.50% and high compensation ratio.
Not only that, the proportion of compensation for serious illness and mild illness is also the top level in the market.
Diagnosed before the age of 60, the maximum compensation for serious illness is 180% of the basic insurance coverage, the maximum compensation for moderate illness is 75%, and the maximum compensation for mild illness is 55%.
Concerned about cancer protection: Darwin 3
Darwin 3' s compensation ratio for serious illness and mild illness can compete with max of Super Mary 3, but Darwin 3 is better in terms of secondary compensation guarantee.
The coverage includes secondary compensation for malignant tumor, secondary compensation for extremely early malignant tumor and secondary compensation for three kinds of cardiovascular diseases with high incidence and mild symptoms, with an additional 45% of the basic coverage, which is very sufficient.
Want to protect children with special diseases: carefree life 2020plus
Worry-free Life 2020plus also has comprehensive protection, good compensation ratio and rich optional responsibilities.
The highlight of this product is that it contains 18 kinds of children's special disease protection, and the insured can get extra compensation of 100% of the basic insurance amount after diagnosis.
Want to know more about critical illness insurance products, you can read my article: Top Ten Insurance Companies' Hot Critical Illness Insurance Inventory!
What is the strength of Zhongan Insurance?
The quality of a product is influenced by the strength of an insurance company to some extent. Enjoy E-health and critical illness insurance, which is underwritten by Zhongan Insurance. Let me show you the strength of Ta.
Zhongan Insurance is the first registered Internet insurance company in China, which was founded by Ma, Ma Yun and Ma Mingzhe with a registered capital of 65.438+0.46 billion yuan.
It is enough to see that the solvency of outstanding security insurance is sufficient and the company is strong. Small partners can buy related insurance products with confidence.
Let me summarize.
Generally speaking, Zhongan enjoys the general protection of E-life critical illness insurance, but the premium is really attractive. If the budget is very limited and you add a little critical illness insurance for yourself and your family, you can choose this product.
However, I suggest that it is better to choose high-quality consumer critical illness insurance on the market. After all, buying insurance means buying protection, and you can't ignore your own protection because of the premium problem.