It is said that the cost performance is very high and the premium can be refunded. Senior sister should find out.
Objectively speaking, Huaxia Evergreen Preferred Edition is not worth recommending.
Although Huaxia Evergreen Preferred Edition is relatively perfect in terms of basic guarantee, the guarantee period cannot be flexibly selected, and it will lose its guarantee after the age of 80.
1. What is the guarantee content of Huaxia Evergreen Preferred Edition?
First of all, what are the specific guarantees for Huaxia Evergreen Preferred Edition?
From the above picture, we can know that Huaxia Evergreen Preferred Edition is an overpaid critical illness insurance. The basic protection, including minor illness protection, serious illness protection and death protection, is still very comprehensive.
What are its advantages and disadvantages? Let's take a look with the seniors.
1, Huaxia Evergreen Preferred Edition Advantages:
In fact, Huaxia Evergreen Preferred Edition attracts many people, and the most important thing is that the premium can be refunded.
After all, some people bought critical illness insurance but didn't pay it. They think this insurance is very suitable, and money is equivalent to wasting money. After all, for most people, the burden of paying thousands of premiums for decades is not small.
The premium of Huaxia Evergreen Preferred Edition can be refunded, which is relatively good. The key point is that compared with other returned critical illness insurance, the price of this product is less than 10 thousand yuan, which is very competitive.
After all, in the absence of return, 400,000 insured /80-year-old /30-year-old men will spend 9,600 yuan a year. Under the same circumstances, the price of Chinese evergreen tree is 7824 yuan, which is still very good.
Seeing this, we may wonder, is this product really so good that it can be guaranteed without spending money?
Here, senior sister still advises you not to think too much. Because of the limited space, senior sister won't introduce it in detail here. If you want to know, you can read this article: "If you have money to pay for the accident, you can pay it back if you have nothing to do-learn about the return insurance!" 》
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 to be 80.
However, Senior Sister learned that the average life expectancy of China people has reached 77 years, 73.64 years for men and 79.43 years for women, according to the data released by the National Health Planning Commission on 20 19. And this is only the average life expectancy, which means that many people far exceed this data.
With the continuous improvement of medical technology, our future life will be longer and longer. Therefore, if you want to cover your whole life, don't think about only 80 years old.
Then, the older you get, the greater the risk of serious illness. Let's look at this picture.
I'm sure I'll have to treat a serious illness after I'm 80.
So there is critical illness insurance. If you are unfortunately suffering from a serious illness in the future, your child's financial pressure will not be too great.
That's why the senior school sister has always suggested that everyone should give priority to lifelong protection when the budget is sufficient, but Huaxia Evergreen Preferred Edition does not have this option, so it is not suitable for those who want long-term protection.
Moreover, the shortcomings of Huaxia Evergreen Flagship Edition do not stop there. 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?
Whether Huaxia Evergreen's preferred critical illness insurance is worth buying depends on the specific situation of the insured.
If you want to buy a return insurance after reading the shortcomings of the return insurance mentioned above, and you only need to include basic insurance, and you don't mind that this product can't be guaranteed for life, then the price/performance ratio of Huaxia Evergreen's preferred critical illness insurance is still very good in the multiple compensation critical illness insurance, which is worth considering.
If the pursuit of comprehensive protection, and can cover your life-long critical illness protection, Huaxia Evergreen Preferred Edition is not suitable for small partners with such needs to buy ~
Comparatively speaking, this price can buy lifelong critical illness insurance, and there is still a lot of money left. Who would choose to cover only 80-year-old critical illness insurance
What are the cost-effective critical illness insurance? Senior sister also sorted out the relevant information of these products, and you can compare and buy them yourself: "202 1 ten newly defined critical illness insurances worth buying".
Write it at the end
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