Answer your question. Although the accumulated premium will be higher, there is inflation, so the longer the payment period, the better, which can also reduce the annual payment pressure.
It seems that you are not very clear about the situation of Health Care C. Let me introduce it to you. Pay attention to shortcomings. This is a big problem!
Worry-free C 1 is a product of Xinhua Life Insurance, which has two versions: the youth version and the adult version. Limited by space, we only make a simple analysis of these two versions. For more analysis and evaluation, you can click on the original text to view China Life Insurance, OK? Do you have any insurance recommendations?
As usual, look at the guarantee content first: (see the picture below)
In order to show the characteristics of these two versions more clearly, we will explain them in modules, starting with the adult version.
Its advantages are as follows:
1, as long as you meet the conditions of being diagnosed with serious illness or death in the previous ten years, you can get the guarantee of 120%.
2. It is also possible to get 20% extra compensation for six specific serious diseases such as brain cancer and leukemia.
Its disadvantages are:
1, low cost performance: general guarantee and high price. The price of 1 000 yuan is not affordable for everyone.
2. The amount of compensation for minor illness is very small. At present, the amount of compensation for serious illness insurance and minor illness in the market is basically 30% of the basic insured amount. This 20% payment is really a little low, and it is not worthy of the premium of 1 000.
The following is the junior edition.
Its highlights are:
1, with specific serious illness protection: If you have a specific serious illness, you can get 120% protection.
2. The specific serious illness of teenagers has been added: If you get sick before the age of 30, and the illness meets both the specific illness and the serious illness of teenagers, then you will get 200% compensation.
Disadvantages are:
1, its insurance leverage is low, and the longest payment period is only 20 years.
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.
But it's really expensive. Adult version price 1 10,000 or more. Children's version or even 0-year-old children buy 500 thousand insurance coverage and pay 6400 yuan every year.
Suppose you like Xinhua brand very much and don't care about the price, you can consider buying it. 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"!