Compared with offline products, the protection of healthy and worry-free C5 is relatively comprehensive, including not only the protection of middle diseases, but also the extra compensation protection for specific serious diseases of adolescents.
Let's take a look at the specific protection of healthy and worry-free C5. "Super detailed! Xinhua Life Insurance Health Worry-Free C-Level Assessment "
0 1 How about health and worry-free C5 protection?
The forms of C5 protection are: serious illness protection+moderate illness protection+minor illness protection+death protection+special disease protection for adolescents+specific cardiovascular and cerebrovascular diseases protection, which can be added.
Let's look at the insurance rules first:
Age limit: male: 0-57 years old, female: 0-60 years old;
Warranty period: life.
Maximum payment period: 30 years
The age limit of healthy and worry-free C5 is quite individual, and the age limit of different genders is also different. Let's take a look at the security content that everyone cares about:
Critical illness insurance: 120 disease insurance, 100% insured payment;
China disease protection: covering 20 diseases, paying 50% of the insured amount;
Mild illness protection: covering 40 diseases, paying 4 times without grouping, with 20% protection each time;
Death protection: pay 100% of the basic insurance amount.
All the above guarantees are basic guarantees, and the key health care C5 also includes the middle disease protection, which pays 50% of the insured amount, and the compensation amount is still relatively high.
Among the above-mentioned basic guarantees, high incidence and mild diseases are mainly guaranteed:
The high incidence of mild diseases is guaranteed. In addition to the above-mentioned basic guarantees, there are also additional compensation guarantees for special diseases of teenagers:
The children marked in red are all children with high incidence. If you are unfortunate enough to suffer from the above-mentioned designated diseases, you can pay an additional amount of 100%.
In addition to the above-mentioned compulsory protection, there is also an optional protection: specific cardiovascular and cerebrovascular diseases protection.
15 is 20% of the insured amount for mild cardiovascular and cerebrovascular diseases, 18 is 100% of the insured amount for severe cardiovascular and cerebrovascular diseases.
Including acute myocardial infarction, stroke sequelae, minimally invasive coronary artery bypass grafting and other diseases, only one of them is paid;
If you want to strengthen the protection of cardiovascular and cerebrovascular diseases, you can choose to add this responsibility. For a 30-year-old man, it is necessary to spend more money near 900 yuan.
02 dad summary
Generally speaking, the protection is still very rich, and more importantly, the protection of China's diseases. The lack of China's disease protection in offline critical illness insurance has been criticized by everyone, and the health and worry-free C5 supplements China's disease protection.
In fact, it is not only critical illness insurance, but also medical insurance, life insurance and accident insurance. You should choose according to your own needs.
Choosing a large and comprehensive product will only make the premium a burden for yourself.