Worry-free C 1 is a product of Xinhua Life Insurance, which has two versions: the youth version and the adult version. Let's briefly analyze the advantages and disadvantages of these two versions. Want to see a more comprehensive analysis, you can click on the original text to see: How about China Life? Do you have any insurance recommendations?
As usual, look at the guarantee content first: (see the picture below)
Let's explain it alone. Let's start with the adult version.
The adult version does a good job in these aspects:
1. Anyone who meets the conditions of being diagnosed with serious illness or death in the previous ten years can get an additional 20% basic insurance coverage.
2. If you unfortunately get one of the six specific serious diseases within the prescribed scope, you can get 20% extra compensation from the insurance company.
Its disadvantages are:
1, low cost performance: general guarantee and high price. The premium is about 65,438+0,000, and you can buy several single-payment critical illness insurance.
2. The claim amount for minor illness is too small. The compensation ratio for mild illness of this product is only 20%, which is less than the average market ratio. Not worth it.
The following is the junior edition.
Its highlights are:
1, including the protection for specific serious diseases. If you suffer from specific serious diseases, you can get 120% protection.
2. The specific serious diseases of teenagers have been added: before the age of 30, the diseases you suffered not only meet the specific diseases of teenagers, but also meet the types of serious diseases, and you can get 200% compensation.
Disadvantages are:
1, low leverage: the longest payment can only be 20 years. If there is a longer payment method, you can increase the insurance leverage.
2. The proportion of minor illness compensation is low: the average proportion of minor illness compensation in many critical illness insurance in the market is 30%, and this compensation is 20%, which is slightly lower.
Generally speaking, the protection of this product is still quite sufficient.
However, the price is really high. The adult version of the single payment of critical illness insurance can be comparable to the price paid many times in the market. Children's version or even 0-year-old children buy 500 thousand insurance coverage and pay 6400 yuan every year.
If you don't have high price requirements and like this brand, you can consider buying it. Friends who are more interested in cost performance have compiled some critical illness insurance with high cost performance for you: the top ten insurance companies' "worth buying" critical illness insurance inventory!