How about Taikang s all round insurance, do you understand Taikang insurance s all round insurance?

Taikang Life Insurance Co., Ltd. **** is a national, joint-stock life insurance company established on August 22, 1996 with the approval of the head office of the People's Bank of China, and the company is headquartered in Beijing. For specific questions about the company's products, it is recommended to contact the official customer service of Taikang Life Insurance at 95522 for details.

The Universal Protector 2017 Protection Plan is a combination of two types of insurance: the main insurance is "Taikang Protector 2017 Insurance" and the supplementary insurance is "Taikang Protector 2017 Critical Illness Insurance". It is a returnable insurance.

So what is return-based insurance? You might as well take a look at this: "When you save money when you have a sick claim, is it worth buying return-type insurance?" 》

1. Taikang All-round InsuranceIt is not recommended to purchase Taikang All-in-One Protector. Taikang Universal Protector is an all-round insurance that claims to be a collection of critical illness, accident, death, high disability, maturity return and other liabilities in one product, however, the universal insurance is a "one-shot deal" insurance product, the protection content seems to be varied, but all liabilities can only be paid to one of them, and the contract will be automatically terminated after one payment.

2. Taikang Life InsuranceTaikang Life Insurance Co., Ltd. **** is a national, joint-stock life insurance company approved by the head office of the People's Bank of China, the company is headquartered in Beijing, with total assets of more than 1 trillion yuan and 36 branches across the country.

Taikang Life adheres to the values of "specialization, marketization and standardization", promotes the "Longevity Era, Taikang Program", and forms three major customer solutions and one major career solution. Taikang Life's credit rating jumped from AA to AAA in 1996, and there has not been a single bad debt since its establishment.

3. How the insurance company settles the claim

Taikang All-in-One Insurance is an accident insurance, which not only covers accidents, but also covers critical illnesses, and it can be returned at maturity, which looks very good. How? Wait and so on will give you an analysis of this product.

Before talking about this product, it is recommended that you first take a look at how the domestic accident insurance** is, which will help you understand the following analysis:"Super Full Comparison! Domestic popular accident insurance ** point".

All-in-one insurance 2017 is a return-type long-term accident insurance, this insurance has a lot of protection, including critical illness, general accidents, major natural disaster accidents, traffic accidents, etc., and the compensation ratio seems to be quite high, some special accidents can get 20 times the claim ratio.

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".

Because of the word limit, I'll give you a brief analysis here:

1. This premium is very expensive. A 30-year-old man pays more than 4,000 a year, and only buys 100,000 yuan in 10 years. In comparison, this one is really expensive, which is very financially stressful for ordinary working families.

Although it is possible to get maturity insurance 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 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.

Therefore, it is generally not recommended for ordinary working families to buy this kind of return-type long-term accident insurance, which is too cost-effective. If you spend dozens of dollars a year to buy comprehensive accident insurance, 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 dollars more every time in order to return the premium.

Xueba says insurance, focusing on insurance evaluation. Here's a copy"Comparison Table of 136 Popular Critical Illness Insurance in China".The critical illness insurance you want to buy is here!

Without further ado, let's take a look at how the all-round of Taikang All-round Protection is defined. What are some of the features you didn't expect?

I have summarized a product review of Taikang All-in-One Insurance, hoping to answer the doubts in your mindCan the almighty Taikang All-round Protector really cover everything?

Taikang Insurance is a "universal insurance" that includes a variety of liabilities such as critical illness, accident, death, high disability, and return at maturity, and is 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. For this product, the main points are as follows (see figure below).

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

(1) Accident medical treatment is not coveredExpenses for outpatient and hospitalization for accidental injuries are not reimbursed.

(2) Incomplete disability protection:Other levels of disability are not protected, only high disability is protected.

(3)**Expensive is not cost-effective:The accident insurance in the market is not enough than this, but a few hundred yuan can protect the accident, while this tens of thousands of all-round insurance requires tens of thousands of yuan.

(4) Age Limit:For some specific accidents, the highest percentage of compensation is made before the age of 75, and only half of the compensation is paid after the age of 75.

The only highlight is the high payout, which is only for specific accidents; In the event of a specific traffic accident, elevator accident, major natural disaster accident, etc., up to 20 times the basic sum assured will be paid.

Combined with the content of the terms and the advantages and disadvantages of the protection, it can be seen that the universal insurance covers a wide range, however, some of the protection content in this product cannot be implemented, and the expensive premiums also discourage many families.

Imagine, rather than buying such a name, it is better to do the most basic protection, with a critical illness insurance + a million medical + an accident insurance.

"Top 10 Popular Critical Illness Insurance Points Worth Buying! 》

"Top 10 Million Medical Insurance Rankings Newly Released! 》

"In 2020, the most worthwhile accident insurance is here".

Reliable people are far more important than companies and products, don't give insurance policies with favors.

Summary. Hello, the biggest advantage of Taikang Insurance's all-round insurance is that during the insurance period, it provides critical illness protection, and there is no claim at the end of the insurance period, then you can get the principal back.

Do you know the all-round insurance of Taikang Insurance? Let's talk about the pros and cons, thank you!

The biggest advantage of Taikang Insurance's all-round insurance is that it provides critical illness protection during the insurance period, and if there is no claim during the insurance period, then the principal can be recovered.

At the same time, during the insurance period, it not only provides critical illness protection, but also accident protection.

This seems to be relatively comprehensive.

But the shortcomings of this product are also obvious.

Because there is only coverage for critical illness. For mild and severe cases, it is none.

And critical illness is a single payout.

And for the sake of insurance, it is not for life, up to 80 years old, and the contract will be terminated.

Listen to the name, all-in-one insurance, in fact, the coverage and insurance period are not enough.

Taikang Universal Protector can surrender the policy after three years, but only the cash value of the policy can be surrendered at the time of surrender, and the surrender may bring greater losses to the policyholder. If the user intends to surrender the insurance, at this time, you can bring the relevant supporting materials to the business hall of Taikang Xiangmo Insurance, and the user can also find the salesman who sold the insurance to you at the beginning to assist you in surrendering the insurance.

Users should try not to surrender the insurance after purchasing it, after all, it will bring financial losses to individuals. In fact, users have a certain hesitation period when purchasing insurance, and they can surrender the policy in full during the hesitation period, and cannot surrender the policy in full after the hesitation period. The cooling-off period for Taikang Universal Insurance is 10 days.

When buying insurance, you should pay attention to its coverage period and premium, and at the same time know its coverage. In addition, the purchase of insurance will have higher financial requirements for the policyholder, and if the policyholder fails to pay the premium on time, it may lead to the invalidation of the policy and the subsequent inability to enjoy the due protection.

When buying insurance, users can compare similar insurance types offered by different insurance companies and choose the most suitable insurance for themselves from these insurance types. However, when buying insurance, try to choose the types of insurance launched by large companies, because these types of insurance are purchased by a large number of people, and at the same time, there are many service outlets of large companies, so it is very convenient to settle claims in the later stage. Be careful.