Of course, you can look at the comparison of Huaxia Evergreen Preferred Edition in several critical illness insurance, and see how it performed before the evaluation: "Huaxia Evergreen Preferred Edition pk National Popular 136 Critical Illness Insurance"
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:
After reading the above picture, we can know that Huaxia Evergreen Preferred Edition is a critical illness insurance that can be paid for many times. Basically, the contents of protection that serious illness should include, such as minor illness, serious illness protection and death protection, are all included, which is 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. Some people want to buy enough critical illness insurance, but they are worried that their money will be wasted without claims, so this critical illness insurance is very suitable. After all, for many people, the premium pressure of decades and thousands is really not small.
The premium of Huaxia Evergreen Preferred Edition can be refunded, which is very good. The key point is that the price of less than 10 thousand yuan is still very competitive compared with other returned critical illness insurance. After all, 400,000 insured /80 years old /30 years old in the case that the Three Gorges Fuai has not been returned. If a 30-year-old man buys this product, it will cost 9600 yuan a year. Under the same circumstances, the price of Huaxia Evergreen is 7824 yuan, which is still very good.
Disadvantages of Huaxia Evergreen Preferred Edition:
This product can only be guaranteed for 80 years, which is its shortcoming. Many friends may think that they may not live this long. However, after reading the data released by the National Health and Family Planning Commission on 20 19, the average life expectancy of China people has reached 77 years, 73.64 years for men and 79.43 years for women. Moreover, this is only an average, and many people far exceed the life expectancy data shown in this data.
With the continuous improvement of medical technology, human life will only be longer and longer. Therefore, ensuring that you are 80 years old may not guarantee you a lifetime.
The point is that the older a person is, the greater the risk of serious illness. Let's look at this picture.
At the age of 80, you won't say that you have a serious illness and won't be treated. If you are unfortunately suffering from a serious illness in the future, this serious illness protection can also reduce the financial burden of your child. Therefore, seniors generally suggest that lifetime security can be given priority when the budget is sufficient, but Huaxia Evergreen Preferred Edition does not have this option, which is not very friendly to people who want long-term security.
Not to mention the disadvantages of Huaxia Evergreen Preferred Edition are not limited to this one. The following article has more information about Huaxia Evergreen Preferred Edition: Does Huaxia Evergreen Preferred Edition have these shortcomings? I almost stepped in the pit! 》
Second, is the value of Huaxia Evergreen Preferred Edition worth buying?
The value of the preferred version of Huaxia Evergreen is not worth the buyer's own needs.
If you are still willing to buy the returned critical illness insurance after understanding the shortcomings of the returned critical illness insurance, and you only need to include the basic insurance, and you don't mind that this product can't be guaranteed for life, Huaxia Evergreen Preferred Critical illness insurance has a higher cost performance among multiple compensation critical illness insurance, so you can consider taking out insurance.
However, it is the pursuit of more comprehensive protection, preferably covering your life. I don't need to say more about whether Huaxia Evergreen Preferred Edition is suitable for my own purchase. At this price, I still have a lot of money to buy a life-long savings type of critical illness insurance. Who would want to choose a critical illness insurance that only covers 80 years old? Are there any critical illness insurance products with full coverage and low price? Of course, as for the information of these products, you can read the following article to find out: "The new definition of critical illness insurance pk, the most worth buying is actually these ten models! 》
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