Taikang universal insurance is accident insurance, which can not only protect accidents, but also take care of diseases, and can be returned when it expires. It sounds exciting. What is the truth? I will analyze this product for you later. Before talking about this product, I suggest you take a look at the domestic accident insurance market, so that it is easier to understand the following analysis: domestic 136 popular accident insurance comparison table.

Now Taikang Universal Insurance is in version 20 17. Let's take a look at the basic contents of this insurance first:

Universal Insurance 20 17 is a long-term accident insurance that can be returned. As can be seen from the picture, the coverage of this product is quite extensive, including serious illness, general accidents, major natural disasters, traffic accidents, elevator accidents and so on. And the proportion of compensation seems to be quite high, and each responsibility can pay 20 times the basic insured amount.

But it is not cost-effective. The specific reason is analyzed in this product evaluation article: "Taikang Universal Insurance: an expensive and incomplete accident insurance! 》

Due to the limitation of space, here I give you a brief analysis of the shortcomings of this kind of insurance:

1, this premium is very expensive. A 30-year-old man pays more than 4,000 yuan a year to buy an insurance of 65,438+10,000 yuan. Now the market guarantees complete accident insurance, which can be easily obtained by spending tens of dollars a year. In contrast, the price of this model is really expensive, which is very unacceptable for ordinary working families. Although the premium can be refunded in a few decades, who can guarantee that there will be no inflation at that time? Can 100 yuan a few decades ago be compared with 100 yuan now? .

2. This insurance does not include accidental medical treatment, and the coverage of this insurance does not include accidental medical treatment.

3. There is also a lack of protection for the disabled. Except for the high disability level, other disability levels are not guaranteed.

In short, it is not recommended for ordinary people to buy this rewarding long-term accident insurance, which is too low in cost performance. Spending tens of dollars a year to buy comprehensive accident insurance can also buy a high amount of insurance, and the protection is very comprehensive. Needless to say, in order to be able to return the premium, you have to pay thousands or even tens of thousands more every year. You can look at these, the price is around 100 yuan: "conscience price!" These accident insurance values! 》

Hope to adopt!

The same number on the whole network: Xueba said insurance, welcome to search!

Source: Xueba said that insurance official website