When is the best time to insure? This article must be read:
When is the best insurance age for critical illness insurance? 》
1. Budget is limited. We can consider taking these products as an example. Men and women are 30 years old, with insurance coverage of 300,000 yuan and payment for 30 years. There is no responsibility for death, and the budget for these products is 3,500-4,500 yuan.
Representative products include:
Centennial Kanghuibao Ultimate Edition 2.0,
A harmonious, healthy and happy life,
Fosun United Astro Boy 1
Kunlun Health Insurance Pratt & Whitney Multiple Edition (Adult Edition)
Centennial Kanghuibao Ultimate Edition 2.0
This is the seed player of the cost-effective critical illness insurance under the banner of Centennial Life Insurance. The configuration flexibility of this product is very high, the required serious illness and pre-illness protection, as well as optional mild illness, death protection and extra compensation for serious and malignant tumors.
If you want simple basic security, you can choose critical illness security+pre-illness security. The premium under this combination is not expensive, and it is also very suitable for friends with insufficient budget; If you want comprehensive protection, you can choose "serious illness+moderate illness+mild illness+pre-illness+cancer secondary payment". Four optional responsibilities can be matched with different protection packages. Moreover, there is an extra payment for serious illness, which is quite good, and it is very suitable for people who pursue flexible insurance and full payment for serious illness.
Harmony is full of life
This product is like a "good student at school". The product form is quite satisfactory, but the guarantee content is solid. There are two characteristics worth mentioning: the insurance age is relaxed to 65, which is wider than most serious illness insurance in the market, providing another choice for the elderly. Secondly, before the age of 6 1 year, you can pay an additional 70% of the basic security for serious illness, which increases the security.
Other guarantees have no obvious advantages, and there is no obvious fault-finding, which is suitable for older people who pursue the overall cost performance.
Fosun United Astro Boy 1
One of the highlights of this product is that before the 15 policy year, the payment can be doubled at the age of 50. The compensation ratio has exceeded the previous upper limit of 180%, which can be said that there is a ceiling in the newly defined critical illness insurance market. In addition, special disease protection and stroke care insurance have been added, and these two necessary responsibilities are also practical.
For example, stroke has a high mortality and disability rate. Even if you are lucky enough to survive, you will face the problems of sequelae of stroke and late care.
A Tong Mu 1
This product guarantees against this situation, paying 10% of the insured amount every year, with a maximum payment of 10 year. If the pursuit of comprehensive protection and a high proportion of compensation, then this product is worth considering.
Kunlun Health Insurance Pratt & Whitney Multiple Edition (Adult Edition)
This product is a newborn version of the old product Big IP Guardian III, and it is also a multiple-payment type critical illness insurance, which pays twice for critical illness without grouping. Not grouping serious diseases means equal opportunities for compensation, which increases the odds of winning and solves the problem that "you can't buy other serious illness insurance because of claims", which can be described as killing two birds with one stone.
It is worth mentioning that this product is affordable in many claims, which can be said to be "full protection, multi-compensation, low premium" and has the ultimate cost performance. This product is not only suitable for adults, but also suitable for children's version, which I will introduce later.
Summarize these four products:
These products are more suitable if the budget is sufficient.
If the budget is sufficient and you want to pursue better protection, you can focus on the critical illness insurance that has been paid for many times. Dad has screened out three models for everyone at present:
Fosun and Ford Plus,
Hongkang Life Doraemon 2.0 Edition
Changsheng younuo healthy
Fosun and Ford Plus
This product has two highlights:
The additional compensation for serious illness is double indemnity, and the products that have been paid for many times are the highest.
A high proportion of compensation means more money, which reduces the economic losses of families to a greater extent.
In addition, the optional responsibilities are rich and practical. Special additional protection is provided for severe cancer and cardiovascular and cerebrovascular diseases, both of which are paid twice, and each payment is 160% of the basic insurance amount. If the economic budget is relatively abundant, especially male friends or friends who pay attention to cardiovascular and cerebrovascular security, you can consider adding additional responsibilities.
Hong kang duo la a Bao 2.0
Doraemon 2.0 only covers serious diseases and mild diseases, and the coverage is relatively incomplete. If you are a friend who pursues complete protection, it is recommended to look at other products. But this product has a very special advantage: it is very friendly to hepatitis B patients.
General critical illness insurance will directly refuse to protect hepatitis B and Big Three Yang; Doraemon 2.0 meets certain conditions and can be underwritten at extra cost.
Changsheng younuo healthy
The biggest feature of this product is that the serious illness is not grouped, and it is paid twice. It means that no matter what illness you get the first time, it will not affect the second payment, which not only improves the odds, but also enhances the security. It also comes with 12 kinds of children's special disease protection, and 18 years old pays 200% protection. High-risk diseases such as leukemia and severe Kawasaki disease are guaranteed, and children can also buy them.
In addition, there are many options during the warranty period. In addition to lifelong protection, you can also choose regular protection.
Compared with life insurance, term insurance has a lower premium, and it is also suitable for some people whose insurance plans are adjusted or whose economic budget is low. The basic guarantee of longevity and health is very solid, and for most consumers, the guarantee is also very sufficient.
Summarize the above three products:
There are many critical illness insurance products in the market, and consumers have a wide range of choices. It is estimated that by April or so, the products of major insurance companies will be almost online, and then the best choice will be made.