Health 1 1 return-to-basics critical illness insurance

This mainly depends on which aspect you focus on. Generally speaking, the return on capital is purely security-oriented, focusing on security functions. Plus dividends will have the function of investment and financial management, so the amount of equal premium protection will be relatively low. If you value the security function, choose the former. If you want to balance investment and financial management and like dividends, choose the latter.

The choice of critical illness insurance gives priority to powerful companies, which have strong solvency, fast claims and secure future. Secondly, the cost performance of products must be high, and diseases should be relatively rich. Accidental death and high disability should also be included.

I recommend Corning Lifetime and Credit Suisse of China Life Insurance. The former is pure guarantee and lifelong guarantee. It is the first health insurance in China, with the highest market share and the highest cost performance, which is about 5% cheaper than similar products on the market. The latter pays dividends every three years. Moreover, dividends and returns can be converted into sickness insurance, which is more flexible. At the age of 80, the return is three times the basic insurance amount.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.