Through the comparison between consumer critical illness insurance and return critical illness insurance, I think many people will choose return critical illness insurance because the premium can be returned without loss.
When taking out insurance, most people always think that if there is no danger, the premium will not be paid in vain. To be on the safe side, they finally chose to return the critical illness insurance.
Advantages and disadvantages of consumer critical illness insurance;
Compared with the returned critical illness insurance, the premium of consumer critical illness insurance is generally lower.
Take 30-year-old Mr. A as an example. He has insured Super Mary No.3 max, with the insured amount of 65,438+10,000:
Consumer critical illness insurance covering 70 years old only needs to pay about 1.658 yuan per year, so it will cost 49,740 yuan to cover 70 years old in 30 years.
If it is a return type, it will be guaranteed for life and will be paid in 30 years. The annual premium is 2059 yuan, * * * the premium is 6 1770 yuan.
It can be seen that the same critical illness insurance of 6,543,800 yuan is guaranteed to be 70 years old, and the premium of consumer products is far lower than that of the same returned critical illness insurance products.