If the economic conditions are good, we recommend Xinhua Life Health Care c 1.
New China Life Care-Free c 1 Advantages:
1, the number of disease protection is large and comprehensive, including specific disease protection.
Xinhua Health Care C 1 Yes 120 kinds of diseases. From the terms, this product guarantees 85 kinds of serious diseases +35 kinds of minor diseases. There are also six specific diseases, including bone cancer, brain cancer, pancreatic cancer, leukemia, coronary intervention, major organ transplantation or hematopoietic stem cell transplantation.
2. High incidence and mild diseases guarantee 8 diseases, and the scope of protection is still comprehensive.
Xinhua Healthy Worry-Free C 1 has eight high-risk mild symptoms, including minimally invasive coronary artery bypass grafting, chronic renal failure and severe visual impairment.
3. Minor illnesses are paid for many times, without grouping or interval.
Mild diseases cover 35 kinds of diseases, and are paid in three times, each time paying 20% of the basic insured amount, without grouping or interval, which greatly improves the probability of claim settlement.
4. The proportion of compensation during the waiting period is high, which is 1. 1 times of the premium paid.
If you suffer death or serious illness during the waiting period, you will pay 1. 1 times the paid premium, which is higher than other products, because other products only pay the paid premium.
Step 5 be extra careful
If the insured suffers from a specific disease, serious illness or death in the previous 10 year, he can get an additional 20% of the basic insurance amount in addition to his own compensation amount.
New China Life Insurance has no worries about health c 1 Disadvantages
1. Waiting period
The waiting period of Xinhua Health Care C 1 is 180 days, and the shortest waiting period is 90 days, so this waiting period is relatively long.
2. The premium price is high.
Premium demonstration: 30-year-old male, 300,000 insured amount, 20-year payment period, whole life insurance, annual premium: 9,600 yuan.
Advantages of Xinhua's multiple critical illness insurance
1, enough claims: 120 diseases and deaths are covered, and the number of claims is too many, and the accumulated claims amount is as high as 7.7 times to 8.2 times of the insured amount. Compared with similar products on the market, the terms of care money and extra compensation for special diseases have been added, so that customers can get more care and care.
2. Clear and reasonable grouping: light/severe diseases are originally grouped, which is not good for customers. Fortunately, the grouping of multiple versions is relatively fine, and the classification of cancer, cardiovascular related diseases, nerve related diseases, major organ and function related diseases and other diseases is very reasonable.
3, the same group can pay multiple times: there is group critical illness insurance in the market, and generally one group can only pay 1 time. Later, Xinhua Duobao broke this tradition, and the same group can pay multiple times for minor illness and serious illness, and the claims can be superimposed, as long as it does not exceed the limit of each group. (The first group limit is 3 times of the insured amount; The limits of the second to fifth groups are 1 double the insured amount respectively. )
Xinhua has insufficient multiple critical illness insurance.
1. There is a limit for minor illnesses: At present, many critical illness insurances on the market are very loose in claims for minor illnesses, and there is generally no grouping/interval/maximum limit. However, many insurance contracts of Xinhua stipulate that the minor illness compensation for each claim cannot exceed 200,000.
2. There is an age limit: if you suffer from one or more of 120 diseases before the age of 85, the accumulated insurance premium is limited to the limit of each item (for example, the limit of the first group is 300% of the insured amount); After the age of 85, if he suffers from one or more of 120 diseases, the maximum insurance premium for accumulated claims is only 100%, and the contract is terminated.
3. The threshold for exemption is very high: generally, a minor illness in the market can be exempted from compensation (generally 20% or 30% of the insured amount), but the multi-version stipulates that the claim can only be exempted if it reaches 65,438+000% of the insured amount, which is equivalent to paying 65,438+0 serious illnesses or 5 minor illnesses before the remaining unpaid premium can be exempted.
4, the interval is too long: the first group of cancer can be compensated for 3 times, but there is a five-year interval requirement; The fourth group of diseases related to major organs and functions also needs an interval of 5 years from the previous serious illness claims; The main disease interval of other groups is 1 year.
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