There are also many small partners asking, is the price/performance ratio of Taikang Universal Insurance (Love Home Edition) insurance product plan really so high? Is it really worth buying?

The senior went on to say yes.

Space is limited. If you want to fully understand this product, it is recommended to look at the comments from other angles of senior sister:

Taikang Universal Insurance Family Edition Insurance Product Plan Universal Insurance? What an exaggeration! 》

1. What is the performance of Taikang Universal Insurance (Love Home Edition) insurance product plan?

Not much to say, senior sister first presents the protection map of Taikang Universal Insurance (Love Home Edition) insurance product plan:

As shown in the figure, Taikang Universal Insurance (Family Edition) insurance product plan consists of two parts, mainly endowment assurance and critical illness insurance, and the insurance liability part is provided with death/high disability and critical illness protection.

Since this product is called "all-round guarantee", the senior student will analyze the advantages and disadvantages of the guarantee content in detail!

1, advantages:

(1) Repeated accidental deaths/strong high disability protection.

Statistics from the National Bureau of Statistics show that 1 person dies in traffic accidents every 8 minutes, and 1 person is directly injured in traffic accidents every 2 minutes.

It can be seen that the accident rate is really high, and everyone knows that the accident risk is particularly difficult to predict.

To this end, Taikang Universal Insurance (Love Home Edition) insurance product plan has particularly strengthened the protection of death/high disability caused by some accidents.

The specific requirements are that the insured can get 200% insurance coverage if he dies/is severely disabled due to general accidents; In case of danger due to driving accident, specific traffic accident or passenger train accident, 500% of the insured amount can be paid; The aviation accident compensation ratio is the highest, reaching 1000%, and the guarantee is quite good.

2. Disadvantages:

(1) lack of Chinese medicine protection

You should know that the early symptoms of a serious illness are mild or moderate, which means that if it is not treated in time, it is likely to deteriorate into a serious illness and threaten the life safety of patients.

Moreover, in many cases, compared with mild diseases, moderate diseases are more difficult to treat and medical expenses are more expensive.

What's more, as long as they suffer from chronic diseases, patients and their families not only have to face the economic pressure brought by medical expenses, but also face the economic problems of reducing their work income and maintaining normal family expenses during treatment and rehabilitation.

Therefore, it is very necessary to protect Chinese medicine.

Regrettably, this Taikang Universal Insurance (Love Home Edition) insurance product plan lacks the protection content in this respect, and the protection of diseases is not comprehensive enough.

(2) There is no additional compensation for critical illness protection.

Taikang Universal Insurance (Love Home Edition) Insurance Product Plan Additional Risks Critical Illness Insurance only covers the proportion of 100% for critical illness protection, but it only pays once, which can only be considered ordinary.

We should know that the better critical illness insurance products on the market generally set a specific age for the extra payment of critical illness insurance protection.

For example, Versailles aggravated illness insurance, if the insured is diagnosed for the first time with a serious illness under the age of 60, the insurance company will pay 180% of the insured amount; First diagnosed at the age of 60-64, and paid 130% of the insured amount.

The more insurance money is provided, the greater the risk of economic loss for patients. Therefore, Taikang Universal Insurance (Love Home Edition) insurance product scheme is really not enough.

If you want to know more about Versailles plus critical illness insurance, you can read this in-depth evaluation:

"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》

Second, is Taikang Universal Insurance (Love Home Edition) insurance product plan worth starting?

In fact, on the whole, Taikang Universal Insurance (Family Edition) insurance product plan has advantages and disadvantages in terms of protection content, such as multiple accidental deaths/high disability protection, which has good compensation, but it does not guarantee the very practical middle disease protection, and the serious illness protection does not set additional compensation.

Therefore, Senior Sister does not recommend you to start with this product.

When planning to start with this product, friends should know whether they can accept the shortcomings of this product.

If you want to see what other excellent products are on the market, you may wish to refer to this list:

"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!