Overall, Xingkangyuan critical illness insurance is cost-effective. As for whether Fuxing Kangyuan critical illness insurance has advantages over other products, Dad will give you a detailed analysis:
First, the basic information of Fuxing Kangyuan critical illness insurance Dad gives you a detailed introduction and analysis:
1. Major disease protection
108 was divided into 6 groups and paid for 6 times, which were100%/10%/120%/130%/140% in turn.
For grouped multiple compensation products with serious diseases, we should first pay attention to the grouping with high incidence and serious diseases:
As can be seen from the above figure, malignant tumors are not grouped separately, but grouped with malignant hydatidiform mole, which will affect the probability of claims. After all, malignant tumor is the most common serious disease, and the advantages of separate grouping are more obvious.
In addition, other high and critical diseases are distributed in the other three groups, which is not bad.
2. Mild/moderate disease protection
25 kinds of China's diseases are not paid in groups twice, each time paying 50% of the insured amount, without interval;
For 40 kinds of mild diseases, pay 5 times in increments without grouping, and pay 30%/35%/40%/45%/50% of the insured amount in turn, without interval;
The number of claims for mild illness is quite large, but mild illness is also a minor illness, and the probability of suffering from it many times is relatively low, so the insured amount of the first two claims is more valuable. However, the insured amount of the first two claims for Xingkangyuan mild illness is still a bit low. At present, some products can pay 45% of the insurance coverage for the first time, which is quite good.
In addition, we should pay more attention to the coverage of high incidence and mild illness, which account for more than 90% of minor illness claims, and the coverage of high incidence and mild illness affects the probability of minor illness claims:
It can be seen that Fuxing Kangyuan's critical illness insurance covers high incidence and mild illness, and the definitions of stroke and burn are more clear, which are divided into mild and moderate, which is relatively friendly.
It is worth mentioning that early malignant tumors can be paid in three times, each time paying 45% of the insured amount, but the organ needs of each diagnosis are different, and the left and right organs are regarded as the same organ.
3. Death protection
The insured shall pay twice the premium before 18, and pay the basic insurance amount after 18.
4. Multiple compensation for malignant tumor (additional)
For malignant tumors, the maximum payment is 3 times, and each payment is 100% of the basic insurance amount. The claim status of malignant tumor includes new onset, metastasis, recurrence and metastasis, with an interval of 3 years.
5. Secondary compensation for acute myocardial infarction (additional)
Pay for acute myocardial infarction twice at most, with an interval of 3 years, and pay 100% of the basic insured amount each time.
6. Secondary compensation for sequelae of stroke (additional)
Stroke sequelae are paid twice at most, with an interval of 3 years, and each time 100% of the basic insurance amount is paid.
Generally speaking, Fuxing Kangyuan's critical illness insurance is basically guaranteed, with additional protection for serious illness and comprehensive protection for high incidence and mild illness. Optional additional protection is high incidence and serious illness, and the protection is not bad.
But the disadvantage is that the insurance coverage of the first two minor claims is a bit low, and malignant tumors are not grouped separately.
Let's see how it compares with the popular products now.
Second, the cost performance analysis of Fosun and Xingkangyuan Through simple comparison, the cost performance of Fuxing Kangyuan is obviously lower than that of other popular products, and the insurance coverage for minor illness compensation is also slightly lower. As for how to choose in the end, dad draws the following conclusions for your reference:
If the budget is insufficient: Hongkang Life will double the critical illness insurance.
Double premium in Hongkang era is the cheapest, but it should be known that the insurance policy of this product is not to pay the insurance amount of the previous two years, but to reimburse the treatment expenses.
If you want comprehensive protection: Xintai perfect life guardian exclusive edition
The exclusive version of Perfect Life Guardian has a high coverage in all aspects, including the extra coverage for special diseases of children, and the malignant tumor and early cancer can be paid three times, and the cost performance is also leveraged.
If you pursue serious illness without group compensation: Ruihua Beijia Lebao
As a non-grouped critical illness insurance, Ruihua Beijiabao has a higher probability of paying for critical illness claims than the products paid by groups, and it should be noted that this product is more cost-effective than Xingkangyuan in terms of male 30-year-old premium.
In addition, Fosun is not bad, although it costs several hundred dollars, but before the policy 10, you can pay an extra 50% for serious illness.
III. Summary Generally speaking, Fuxing Kangyuan is a relatively perfect product, but in terms of cost performance, it is still a little lower than other popular products, and the cost performance is a bit lacking.
Article source: Dad Bao official website; Professional insurance assessment agencies can help you solve the insurance problem ~