Comparing Taikang Life and Fosun United Health, which one is better?

Recently, there are several children’s critical illness insurance products on the market that are very popular, from the nationally famous Taikang Life Insurance Company and Fosun United Health Insurance Company, which makes it difficult for those children who have “difficulty in choosing” Parents don’t know how to choose!

Today, I will introduce these two companies to you parents and evaluate these two products~

Before the text, let’s talk about insurance companies:

“When we look at insurance companies, what should we look for? 》

1. Taikang Life PK Fosun United, fully revealing its economic strength and solvency!

The reason why Taikang Life and Fosun United are so famous is inseparable from their economic strength and solvency.

gt;gt;Economic Strength

As for their economic strength, Senior Sister here has a picture:

You can know from the picture that Taikang The life insurance company is strong: it was born earlier, and it is backed by Taikang Insurance Group. It is completely a "rich second generation".

But if you underestimate Fosun United Health because of this, be careful and you will suffer a loss.

The largest shareholder of Fosun United Health Insurance Company is Shanghai Fosun Industrial Investment Company, which is fully controlled by Fosun International Co., Ltd.

Fosun International Co., Ltd. was founded in 1992 and ranks 459th on the 2021 Forbes Top 2000 Global List of Public Companies! It can be said that the big tree behind Fosun United Health Insurance Company is stronger~

Seeing this, do you think that choosing Taikang Life Insurance Company is definitely a good idea? Be sure not to have such thoughts! There is no direct connection between the quality of an insurance company and the quality of its insurance products. How to choose mainly depends on the specific terms!

If we take critical illness insurance as an example, what criteria can be considered as a good critical illness insurance? If you are interested, you can refer to the link below:

"This is what a good critical illness insurance looks like!" You have been deceived for so many years..."

So, next, I will focus on the terms and conditions and evaluate the two children's critical illness insurance policies of Taikang Life Insurance and Fosun United Health. A reference for every parent!

2. Choose children’s critical illness insurance. I recommend choosing this one!

Let’s take a look at the senior sister’s product protection picture:

Based on this picture, I believe you can understand Fosun United’s Mommy Baobei New Edition Children’s Critical Illness Insurance. Cost-effectiveness is one of its major advantages.

If compared together, the Enjoy Health 2021 Children's Edition is indeed inferior to others in this regard.

gt;gt;Insufficient protection for children's diseases

For children's critical illness insurance products, the key is how well it protects children.

The protection of Fosun United Mommy Baobei New Edition covers children’s specific diseases and rare diseases of children, and the compensation ratio is as high as 200 basic sum assured and 300 basic sum insured.

If your child happens to be diagnosed with a specific childhood disease and you take out an insurance policy with an insurance coverage of RMB 500,000, you can get a compensation of RMB 1 million. If you are diagnosed with a rare disease, you can get RMB 1.5 million directly!

Choosing this product not only provides targeted protection, but is also very cost-effective. It only costs less than 3,000 yuan per year. Compared with the annual premium of more than 5,000 yuan for the Lexiang Health 2021 Children's Edition, it is not only a little cheaper, but also very affordable. Yo~

If you want to know more about Mummy Baby Reborn Edition, you may wish to read this article first:

"The new product Mummy Baby Reborn Edition, there are still these Insufficient...》

gt;gt; No secondary cancer compensation

Nowadays, there are more and more cancer patients, and it is also a high-incidence serious disease in our country. Security also requires more attention.

We all know that cancer is difficult to cure because it is very easy to relapse.

There is even data showing that 5 years is a critical stage for patients after cancer surgery. If you survive it, the possibility of survival will be higher at this time.

In order to prevent this from happening, when insurance companies design critical illness insurance products, secondary compensation for malignant tumors is not mandatory, but will be set as optional, so that it is a convenient choice for consumers. Fosun United Mommy Baobei New Life Edition adopts this approach~

However, Taikang Life’s Happy Health 2021 Children’s Edition does not give consumers the right to choose. Taikang Life is not friendly enough in this regard.

Senior summary:

If you choose products for your children from Taikang and Fosun United Insurance Company, then Fosun United’s products may be better, and the one worth buying is Mom Mibaobei's new version of this product.

Everyone should note that the reputation of an insurance company is not the only criterion for us to apply for insurance. After all, the insurance policy is important to us, and it has nothing to do with the reputation of the insurance company!

Write it at the end

I am a top scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem For questions, you can also consult me ??on the official account Xueba Talk Insurance;

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

Public account: Top academics say insurance costs less, buy the right insurance!