What is the difference between AIA Critical Illness Elite and Taikang Lexiang Jiankang (Kids B)?
Both AIA Critical Illness Elite and Taikang Lexiang Jiankang (Kids B) are 重疾险 products. Use the comparison table on this page to see side-by-side differences in company, region, currency, premium term, coverage, illustrated IRR, and policy features.
FAQ
- Which is better, AIA Critical Illness Elite or Taikang Lexiang Jiankang (Kids B)?
- Neither product is universally better. Compare by region, currency, premium term, coverage breadth, and illustrated IRR to find the one that matches your needs.
- Are the comparison figures guaranteed?
- Comparison data is extracted from official brochures and updated whenever the underlying product vector is updated. Non-guaranteed portions (such as illustrated IRR for participating policies) depend on the insurer's performance.
- Where can I read the official brochures?
- Both official PDF brochures are linked on this page. Always confirm terms with the official documents before deciding.
Methodology
Structured data: ProductVector v2.11 (registry id compare-field-registry-v2.11.json).
AIA Critical Illness Elite vs Taikang Lexiang Jiankang (Kids B)
重疾险
Compare AIA Critical Illness Elite and 泰康乐享健康（少儿B款）重大疾病保险 across coverage, features, and benefits.
共 20 行 · 5 个分组
基础信息
| 字段 | AIA Critical Illness Elite | Taikang Lexiang Jiankang (Kids B) |
|---|---|---|
| 保障年期 | 暂无数据 | 终身 |
| 缴费期 | 暂无数据 | 一次性 / 3年 / 5年 / 10年 / 15年 / 18年 / 23年 / 28年 |
| 投保年龄 | 暂无数据 | 投保年龄按计划版本、缴费期及条款规定而定。 |
| 保单货币 | 暂无数据 | CNY |
疾病覆盖
| 字段 | AIA Critical Illness Elite | Taikang Lexiang Jiankang (Kids B) |
|---|---|---|
| 疾病总数 | 暂无数据 | 120优势 |
| 重大/严重疾病数 | 暂无数据 | 120优势 |
首次赔付
| 字段 | AIA Critical Illness Elite | Taikang Lexiang Jiankang (Kids B) |
|---|---|---|
| 首次重疾赔付 | 暂无数据 | 每次重大疾病保险金按基本保险金额与已交保费较大者给付；以基本保额口径至少为100%。 |
| 早期疾病赔付 | 暂无数据 | 轻度疾病保险金按基本保险金额25%给付，累计以六次为限。 |
| 严重疾病赔付比例 | 暂无数据 | 100%优势 |
| 早期/轻症赔付比例 | 暂无数据 | 25%优势 |
| 中症/中度赔付比例 | 暂无数据 | 50%优势 |
多次赔付
| 字段 | AIA Critical Illness Elite | Taikang Lexiang Jiankang (Kids B) |
|---|---|---|
| 是否多次赔付 | 暂无数据 | 是优势 |
| 最高赔付结构 | 暂无数据 | 重大疾病分5组累计给付以五次为限，按基本保额口径最高约500%。 |
| 多次赔付等待期 | 暂无数据 | 多次赔付通常设有等候期，具体间隔以产品条款为准。 |
| 生存期要求 | 暂无数据 | 多次赔付可能设有生存期要求，具体以产品条款为准。 |
| 赔付后保单状态 | 暂无数据 | 首次赔付后部分保障可能继续或终止，具体以产品条款为准。 |
| 每次多次赔付比例 | 暂无数据 | 100%优势 |
| 最高总赔付比例 | 暂无数据 | 500%优势 |
现金价值/分红
| 字段 | AIA Critical Illness Elite | Taikang Lexiang Jiankang (Kids B) |
|---|---|---|
| 是否有保证现金价值 | 暂无数据 | 是优势 |
| 是否有非保证红利/分红 | 暂无数据 | 是优势 |
产品特色对比
摘要补充 · 来自产品结构化特征
AIA Critical Illness Elite
暂无产品特色摘要
Taikang Lexiang Jiankang (Kids B)
- 疾病覆盖广 · 覆盖120种疾病，含120种重疾。
- 多次赔付 · 指定疾病可在首次赔付后继续获得保障。
- 保费豁免 · 达到约定条件后，可豁免后续部分或全部保费。
- 现金价值 · 兼具现金价值或分红元素，适合长期配置。
重疾险 · 共 20 个对比字段
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