1. What is the guarantee content of Huaxia Evergreen Preferred Edition?
Let's take a look at the specific guarantee content of Huaxia Evergreen Preferred Edition:
As can be seen from the above figure, Huaxia Evergreen Preferred Edition is a serious illness insurance that pays for many times, basically covering mild and moderate diseases, serious illness protection and death protection. And it is still very comprehensive. What are its advantages and disadvantages? Let's take a look with the seniors.
Advantages of Huaxia Evergreen Preferred Edition:
The biggest advantage of Huaxia Evergreen Preferred Edition is that it can refund the premium. It is good news for some people who want to buy critical illness insurance, but are worried about dying without illness and spending money for nothing. After all, for many people, the premium pressure of decades and thousands is really not small.
The premium of Huaxia Evergreen Preferred Edition can get a relatively good return. The key is that the price of Huaxia Evergreen Preferred Edition is less than 10,000 yuan, which is so advantageous compared with similar products. After all, in the case of the Three Gorges, 400,000 insured /80 /30 years old, a 30-year-old man will buy 9,600 a year. Under the same circumstances, the price of Chinese evergreen tree is 7824 yuan, which is still very good.
But is the returned critical illness insurance really so fragrant? Can we really get a guarantee in Bai Piao without spending a penny? Then I advise you not to think too much. Due to the limited space, Senior Sister won't do much introduction here. If you want to know more friends, you can have a look: you can pay back the money if something happens-return insurance!
Disadvantages of Huaxia Evergreen Preferred Edition:
The biggest drawback of this product is that it can only guarantee 80 years old. Some people may think that they may not live to be 80 years old. 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. And this is only the average life expectancy, which means that many people far exceed this data.
With the continuous improvement of medical technology, people's life expectancy will only get longer and longer. So don't think about the guarantee that you can basically cover your life before you are 80 years old.
Most importantly, the older you get, the greater the risk of serious illness. Let's take a closer look at the picture below.
No one will say that he was unfortunately seriously ill after 80 years old and could not get 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. Senior students generally suggest giving priority to lifelong protection when their own budget is sufficient, but Huaxia Evergreen Preferred Edition does not have this option, which is not very friendly to people who want long-term protection.
Not to mention that there are still many shortcomings in Huaxia Evergreen Preferred Edition. For more details, please see this article: If you want to buy the preferred version of Huaxia Evergreen, you'd better read this article first!
Second, is the value of Huaxia Evergreen Preferred Edition worth buying?
Whether the preferred version of Huaxia Evergreen Tree is worth recommending depends on the actual insurance demand of the insured.
If you want to buy a return insurance after reading the shortcomings of the return insurance mentioned above, and you don't mind that this product can't be guaranteed for life, and you just want to have basic protection, the price-performance ratio of Huaxia Evergreen Preferred Edition is quite good, which is a critical illness insurance worth considering.
However, if you want to guarantee comprehensive and lifelong critical illness protection, it is obvious that the preferred version of Huaxia Evergreen is not suitable for your own purchase. Seriously, this price can buy lifelong critical illness insurance, and there is still a lot of money left. It is really unwise to choose 80-year-old critical illness insurance. So what products are really worth buying? The seniors have sorted it out one by one, don't miss it: 202 1, and the newly defined list of critical illness insurance is released.
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