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 their advantages and disadvantages in groups, starting with the adult version.
The advantages of the adult version are as follows:
1, 20% extra compensation: If you were diagnosed with serious illness or died in the previous 10 years, you can get 20% extra compensation.
2, suffering from brain cancer and other six specific serious diseases, you can also get 20% extra compensation.
Its disadvantages are:
1, low cost performance: general guarantee and high price. The premium is about 65,438+0,000 yuan, and you can purchase multiple critical illness insurance with more comprehensive protection.
2. The amount of compensation for minor illness is somewhat small. At present, the compensation for general mild illness is 30%. In this product, the proportion of claims for mild illness is only 20%, and the price of sex is too low.
Let's look at the teen 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. Increase the specific serious illness of teenagers: If you are unfortunate enough to have a specific illness of teenagers before the age of 30 and meet the serious illness, you can get double the insurance coverage.
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, expensive is really expensive. The adult version costs 1 more than ten thousand, which is not affordable for all families. Children's version or even 0-year-old children buy 500 thousand insurance coverage and pay 6400 yuan every year.
Large budget can be considered. If you pursue cost performance, you can consider other similar products. Here, I have sorted out some critical illness insurance with high cost performance: the critical illness insurance inventory of the top ten insurance companies that are "worth buying"!