First, compare the preferred version of Huaxia Evergreen with a variety of critical illness insurance, and then evaluate it after watching its performance. We also have a bottom: the comparison between the preferred version of Huaxia Evergreen and the popular 136 critical illness insurance coverage in China.
1. What is the guarantee content of Huaxia Evergreen Preferred Edition?
First of all, let's take a look at these security contents of Huaxia Evergreen Preferred Edition:
As can be seen from the above picture, the preferred version of Huaxia Evergreen is actually a critical illness insurance that has been paid for many times. The basic security includes mild and moderate illness security, serious illness security and death security. Still very comprehensive. What are its advantages and disadvantages? Come and have a look with the seniors.
Advantages of Huaxia Evergreen Preferred Edition:
In fact, the biggest advantage of Huaxia Evergreen Preferred Edition is that the premium can be refunded.
For some people who want to have serious illness insurance, but feel that they have not lost, it is simply gospel. In fact, for many people, it is quite tiring to bear the pressure of paying thousands of premiums for decades.
In contrast, Huaxia Evergreen Preferred Edition is very good, and the premium can be refunded. The key is that this product is not expensive, and the price is less than 10,000 yuan. Compared with other cashback critical illness insurance, it does have advantages. After all, when the Three Gorges is happy, 400,000 insured /80 years old /30 years old, and 30-year-old men will spend 9,600 yuan in just one year. Compared with the price of evergreen trees in China, the Three Gorges' happiness, love and worry-free is very disadvantageous, because in this case, the price of evergreen trees in summer is 7824 yuan.
Disadvantages of Huaxia Evergreen Preferred Edition:
Senior sister thinks that the defect of this optimized version of Chinese evergreen tree is that it can only guarantee 80 years old. Some people may think that they may not live that long. However, according to the data released by the National Health and Wellness Committee in 20 19, the average life expectancy of China people has reached 77 years, 73.64 years for men and 79.43 years for women. But there are still many people who far exceed this figure, because this is only the average life expectancy.
Our medical technology is constantly improving, and our life will be longer and longer. Therefore, if you want to cover your life, don't choose to cover only 80 years old.
Most importantly, the risk of serious illness increases with age, as shown in the figure below.
At the age of eighty, if you are unfortunately seriously ill, there is no one who does not go to treatment. If you are unfortunate enough to get a serious illness in the future, the pressure of children's critical illness insurance will not be so great. This is why, when their own budget is sufficient, the elderly generally suggest giving priority to lifelong protection, while Huaxia Evergreen Preferred Edition does not have this option, so it is not suitable for those who want long-term protection.
Not to mention the disadvantages of Huaxia Evergreen Preferred Edition are not limited to this one. Do you still want to know other contents of Huaxia Evergreen Preferred Edition? Click on this article immediately: don't rush to buy Huaxia Evergreen Preferred Edition, finish reading this article!
Second, is the value of Huaxia Evergreen Preferred Edition worth buying?
Whether Huaxia Evergreen's preferred critical illness insurance is worth buying depends on the specific situation of the insured.
If you decide to return the critical illness insurance after seeing the shortcomings of the above-mentioned return insurance, and you don't mind that the insurance period of Huaxia Evergreen is only 80 years, and you only need basic protection, senior sister thinks that the price of Huaxia Evergreen Preferred Critical illness insurance still has an advantage in multiple compensation critical illness insurance, so you can consider buying it.
However, if you want to guarantee comprehensive and lifelong critical illness insurance, Huaxia Evergreen Preferred Edition is not suitable for small partners who have such needs ~ You can really buy a critical illness insurance that guarantees your life at this price, and there is still a lot of money left, so no one has to choose to protect the 80-year-old critical illness insurance, right? Are there any critical illness insurance products with full coverage and low price? Of course, about the information of these products, the senior sister summed up ten models, which you can refer to: the new definition of critical illness insurance pk, which is actually the most worth buying!
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