Taikang Life Insurance makes an appointment for health, which is better than Le Ankang?

Le Ankang has an appointment with Health, both of which belong to Taikang, with different channels.

1, Le Ankang is only aimed at economic channels, and the health contract is Taikang's pension and group insurance.

2. The types of serious diseases of these two products can be the same (there can be 60 kinds of serious diseases about health, with the same name as Le Ankang), and the price of Le Ankang is slightly higher;

3. Le Ankang is a kind of insurance for serious illness and mild illness, and health contract is a combination of serious illness and mild illness;

4. Mild illness and happiness are 22 kinds of health, about 26 kinds, 22 kinds are the same, but about 4 kinds of health;

5. Another difference is that Le Ankang can increase the exemption of the insured, and the insured can be exempted from the premium for minor illness/serious illness/death; The health contract cannot be accompanied by the applicant's exemption;

6. In addition, Le 'ankang can be exempted from all premiums for mild illness, and health can be reserved. If he suffers from minor illness, he can only be exempted from the premium for minor illness;

7. Le 'ankang can pay for mild illness up to 3 times, and health is about 1 time.

8. The cash value of health contracts is relatively high, but in the long run, there is actually little difference and it is getting closer to the insured amount. Now the individual insurance channel 100% is healthy, with 70 serious diseases and 30 mild diseases. It is not that the more diseases, the better, and each has its own advantages. You can't generalize which is good and which is bad. In fact, there are several other particularly good seriously ill products on the market. You can also learn about them. Buying insurance needs to be based on the actual situation. Different companies or different products always have different diseases, so you can choose according to your own situation and try your best to suit yourself. Le Ankang has the exemption of the insured and can carry out mutual insurance between husband and wife. If one of the husband and wife suffers from mild illness, serious illness or death during the payment period, the premiums of both parties may be exempted; This is an advantage; After the payment period, this will be invalid. The advantage of health contract is that it is cheap and the cash value is extremely high. After 20 years of payment, the cash value is often higher than the premium paid, so it is equivalent to saving money, with interest, and at the same time there is protection for serious illness, mild illness and death.