Taikang Protector B Supplementary Critical Illness, who told me the advantages and disadvantages of

Xueba says insurance, focusing on insurance evaluation. First of all, a wave of benefits will be released, freshly baked"Comparison Table of 136 Popular Critical Illness Insurances in China".

Be a sneak peek! Taikang All-in-One Protector B is equipped with 42 kinds of critical illness protection, but the All-in-One Protector has been upgraded to the 2017 model, so I won't talk about the older B model here, but let's talk about the All-in-One Protector 2017:.

Not much to say, let's focus on this all-in-one all-in**? What are the unexpected omnipotences?

Taikang Universal Insurance, which combines multiple responsibilities such as critical illness, accident, death, high disability, and return at maturity, can be regarded as a real "all-round insurance", known as the decathlon.

Universal insurance includes a lot of insurance, and the protection seems to be very comprehensive, but in fact, there is more than one place that makes people question. Then let's take a brief look at the specific content of this product (see the figure below).

Combined with the content of the terms,We can clearly see the disadvantages of this product:

(1) Accident medical treatment is not coveredIt is very regrettable that outpatient and inpatient expenses are not reimbursed.

(2) Incomplete disability protection:Only high disability is covered, and other levels of disability are not covered.

(3)**Expensive is not cost-effective:Accident insurance in the market.

Compared with this, the insurance is not complete, but a few hundred yuan can protect against accidents, and this tens of thousands of all-round insurance requires tens of thousands of yuan.

(4) Age Limit:The payout ratio is completely different before and after the age of 75, with the highest payout before 75 and only half of the sum insured after 75.

The rare and commendable thing about this product is that it has a high payout in the event of a specific accident; If it is true that there is a specific traffic accident, elevator accident, or major natural disaster.

In the event of an accident, you can receive up to 20 times the basic sum assured.

Combined with the content of the terms and the advantages and disadvantages of the protection, it can be seen that the coverage of the universal insurance is very wide, but it should be noted that some of the protection content in the terms is not very in place when it is implemented, and the expensive premiums are difficult for ordinary working families to accept.

I spent a lot of money to buy such an "all-round insurance", I think it is not as good as a critical illness insurance.

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The discontinuation of the Taikang Protector Plan is due to the launch of the 2015 Taikang Protector Protector Plan, which allows investors to purchase new insurance.

Taikang Protector Protector Plan is a combination of Taikang Protector Protector Protector The product mainly highlights three characteristics:

1. Taikang Universal Protector Insurance Plan mainly covers two major aspects: accidents and critical illnesses, and compensation is made according to the following situations: 42 kinds of critical illnesses are covered according to the basic sum assured, high disability and death caused by traffic accidents and self-driving accidents are claimed at 10 times the basic sum assured, death or disability caused by aviation accidents is claimed at 20 times the basic sum assured, general accidental death and high disability are claimed according to 2 times the basic sum assured, and death or high disability caused by non-accidents is paid according to the basic sum assured, and the accumulated insurance premium can be refunded at the end of the term.

2. The coverage of Taikang All-in-One Insurance Plan is for people aged 18 to 60, and the protection period can be selected to be 70 years old, 80 years old or 30 years. The all-in-one protection covers critical illness protection, so there is a 180-day observation period, and the confirmed critical illness can be paid according to the agreed sum insured 180 days after the application is applied, and the premium paid can only be refunded if the critical illness is diagnosed within 180 days.

3. Taikang All-round Insurance for different ages**:

1) 30-year-old man applies for Universal Protection Plan: 20 years of payment, annual premium of 2,620 yuan, basic sum insured of 100,000 yuan, can be insured until the age of 70.

2) 30-year-old man applies for Universal Protection Plan: 20 years of payment, annual premium of 5,720 yuan, basic sum insured of 200,000 yuan, can be insured until the age of 80.

3) A 40-year-old lady applies for a universal insurance plan: pay for 20 years, pay an annual premium of 3,300 yuan, and the basic sum insured is 100,000 yuan, which can be insured until the age of 80.

Taikang All-in-One Insurance is an accident insurance that not only protects accidents, but also protects critical illnesses, and can be returned at the end of the period, which sounds very exciting. Is that really the case? Next, I will give you a good analysis of this product.

Before analyzing this product, it is recommended that you read this article to understand the basic situation of domestic accident insurance, which can help you better understand the following content:"Super Full Comparison! Domestic popular accident insurance ** point".

Taikang is still a good company, but as a consumer, should be more concerned about the product, I specifically analyzed the advantages and disadvantages of Taikang all-round insurance, and I think this product is not very cost-effective.

The Taikang all-round insurance currently on sale is the 2017 version, let's take a look at the protection content of this product first:

All-in-one insurance 2017 is a return-type long-term accident insurance, this protection content is very much, including critical illness, general accidents, major natural disaster accidents, traffic accidents, etc., and the compensation ratio seems to be quite high, some special liabilities can be compensated up to 20 times the basic sum insured.

But it's not really cost-effective. If you don't believe me, you can take a look at my in-depth review of this insurance:"Taikang All-round Insurance, Accident Insurance that Protects Expensive Not Guaranteed".

Due to space limitations, here I will give you a brief analysis of the disadvantages of this insurance:

1. This premium is very expensive. A 30-year-old man pays more than 4,000 a year, and only buys 100,000 insurance for 10 years. In comparison, this one is really expensive, and for ordinary working families, the pressure is not small.

Although the premiums can be refunded after a few decades, who can guarantee that the currency will not be inflated at that time? Can 100 yuan a few decades ago be compared to 100 yuan now?

2. This does not cover accidental medical treatmentThis accident insurance does not cover accidental medical treatment.

3. There is also a lack of disability protectionOnly those who have attained a high level of disability can be insured, and other levels of disability are not covered.

In general, it is not recommended for ordinary people to buy this kind of return-type long-term accident insurance, which is too cost-effective. If you buy comprehensive accident insurance for dozens of dollars every year, you can also buy high insurance coverage, and the protection is very comprehensive. There is no need to pay thousands or even tens of thousands of yuan more every year in order to return the premium.

Summary. Hello friends, Taikang All-in-One Insurance Section B does not return the principal, and its protection responsibility is to receive death insurance benefits, survival insurance benefits and dividends.

Hello friends, Taikang All-in-One Insurance Section B does not return the principal, and its protection responsibility is to receive death insurance benefits, survival insurance benefits and dividends.

Taikang All-in-One Insurance Section B includes six major aspects of non-accidental death or high disability insurance, general accidental death or high disability insurance, accidental death or high disability insurance of traffic scattering tools, accidental death or high disability insurance of self-driving cars, aviation accident death or high disability insurance, and survival insurance. Taking a 30-year-old man as an example, the insurance period is 30 years, the payment period is 10 years, and the annual premium is 6,000 yuan, and the maximum insurance amount can be 4 million. Among them, the insured amount of non-accidental death or high disability insurance is 200,000 yuan, the insured amount of death or high disability insurance is 400,000 yuan, the insured amount of accidental death or high disability insurance of vehicles is 2,000,000 yuan, the insured amount of accidental death or high disability insurance of self-driving car is 2,000,000 yuan, the insurance amount of aviation accidental death or high disability insurance is 4,000,000 yuan, and the insurance amount of survival insurance is 60,000 yuan.

Hello, Taikang Supplementary Companion Attack All-round Protector C Critical Illness Insurance covers 42 kinds of critical illnesses, with 1 claim, and the basic sum insured is paid each time; General accidents, major natural disaster accidents, traffic accidents, elevator accidents, etc., the insurance money paid is quite high, and some special liabilities can be compensated up to 20 times the basic insurance amount. Hope it helps you and have a great day!

Taikang's all-round insurance is an accident insurance with a very wide range of coverage, but Taikang All-round Insurance 2015 is already a relatively old product, the product is updated quickly, and now it is not of much significance to talk about Taikang All-round Insurance 2015, we might as well take a look at the latest All-round Insurance 2017.

First of all, I will send you a comparison table between the all-round insurance 2017 and the current national popular accident insurance, so that you can check and compare:Ultra-complete! Comparison table of popular domestic accident insurance

Without further ado, let's analyze where the all-round energy of Taikang All-round Insurance is, and will there be pits?

Universal Protector 2017 is a returnable long-term accident insurance that can be insured for 30 years until the age of 70 or 80.

This seems to have a lot of protection content, which can protect critical illness, general accidents, traffic accidents, elevator accidents, major natural disasters, etc., and the proportion of compensation is still very high, and some liabilities can be as high as 20 times the compensation, which is actually not cost-effective.

(1) Accident medical treatment is not coveredIn the event of an accidental injury, the outpatient expenses for hospitalization and medical treatment are not covered.

(2) Incomplete disability protection:Only high disability is covered, and other levels of disability are not covered.

(3)**Expensive is not cost-effective:This premium is very expensive, the accident insurance with comprehensive protection only costs three or four hundred a year, this 30-year-old man buys 100,000, and it costs 4,000 a year, in comparison, ** is very high, for ordinary working families, the pressure is not small. Even if the premium can be refunded after a few decades, the premium will still depreciate a lot.

On the whole, although this accident insurance seems to have a lot of protection content, many of the terms are empty, it is difficult to implement, and the premium is expensive, so it may be difficult for ordinary families to afford it.

For accident insurance,One-year accident insurance is generally recommended

Xueba said the official website of insurance

This product can provide a number of protections for people between the ages of 18 and 60, and also has the characteristics of high protection and return, which is one of the best choices for consumers to protect their own safety and peace of mind for their families.

Its protection function is very powerful, which can provide consumers with 42 kinds of critical illness, high disability, and all-round protection, covering vehicle accidents, self-driving accidents, general accidents, non-due accidents and other protections, and give different multiples of protection according to the occurrence of different risks, and one protection can reach up to one million. This product is very suitable for car owners or customers who travel frequently or have travel plans during holidays.

This is a returnable death and critical illness protection product, with a basic sum assured of 200,000 to explain the protection included in this product:

1. Ordinary death benefit of 200,000 yuan.

2. Critical illness benefit of 200,000 yuan.

2. General accidental death benefit (not in the following cases) 400,0003, natural disaster accidental death benefit 1 million.

4. Self-driving accidental death benefit of 2 million.

5. Accidental death benefit of 2 million yuan.

6. Aviation accident death benefit of 4 million.

The core death and critical illness benefits are included, but because they are returned at the age of 80, the corresponding costs will be more expensive than term life insurance and critical illness.

Due to the high protection of accidental death in self-driving, aviation, and transportation, it is suitable for people who have self-driving cars and frequent business trips.

Taikang All-round InsuranceThis accident insurance has a wide range of coverage, not only to protect accidents but also to protect critical illnesses, and it can also be returned at the end of the term, which seems quite attractive. Is that really the case? Let's analyze this product together.

Before the detailed analysis, it is recommended that you take a look at how the domestic accident insurance** is, which can help you better understand the following:Ultra-complete! Comparison table of 136 accident insurance models that are popular in the country

To understand a product, it's not enough to just look at the covered diseases, I have sorted out the advantages and disadvantages of the all-in-one insurance 2017, and it is recommended to take a look.

Now Taikang Life is buying the 2017 version of the all-round insurance, let's take a look at the basic content of this insurance first:

All-in-one insurance 2017 is a return-type long-term accident insurance, through the above figure, we can see that the protection content of this insurance is quite a lot, including critical illness, general accidents, major natural disaster accidents, traffic accidents, elevator accidents, etc., the highest proportion of compensation is still quite high, specific traffic accidents can have up to 20 times the basic amount of insurance insurance.

Since this article is too long, I will give you a brief analysis of the reasons for this:

1. The premium is expensive and the cost performance is poor. A 30-year-old man buys 100,000 yuan, and it costs more than 4,000 yuan a year. In comparison, this one is really expensive, and it is very difficult for ordinary working families to accept.

Even if the premium can be refunded after a few decades, the premium will be more or less depreciated.

2. This does not cover accidental medical treatmentThis does not cover accidental medical treatment.

3. There is also a lack of disability protectionExcept for the high disability level, other levels of disability are not guaranteed.

Therefore, this kind of return-based long-term accident insurance is generally not recommended to buy, and it is not cost-effective. Accident insurance with complete protection can cost dozens of dollars a year, and you can also buy hundreds of thousands of insurance amounts, and the protection is very comprehensive. There is not much need to pay thousands or even tens of thousands of yuan more every year in order to return the premium.

Compare more with other products, you can also take a look at these, **all of them are around 100 yuan:"In 2020, the most worthwhile accident insurance is here".