Another masterpiece of Great Wall Life Insurance, "Industry First", has been listed!
Date of first sale: 2065438+June1June 7.
The above is the slogan of the listing of Great Wall Life's auspicious life critical illness insurance. Seriously, I really look forward to the launch of new products, which can give consumers more and better choices.
Below, I will take my friends to see this product. Is it worth buying?
I. Product introduction
Product form: Great Wall Lucky Life Pension Security+Great Wall Plus Lucky Life Critical Illness Insurance
Whether the product is good or not is not a single good or bad, but can only be seen by horizontal comparison. There are many critical illness insurances on the market at present. For example, ICBC AXA enjoys life, China and Italy enjoy well-being, Tongfang's global healthy life has been guaranteed many times, and Tianan's health source enjoys preferential treatment. I have written articles about the in-depth analysis of these products before. You can click on the in-depth analysis of critical illness insurance: China and Italy enjoy well-being, Tongfang's global healthy life is guaranteed many times, and Tianan's health source is excellent.
Take Tianan Health Source as the representative, and compare it with Great Wall Life's auspicious life critical illness insurance PK.
I. Comparative Analysis of Products
(A) the responsibility of critical illness protection
1, Tianan You Xiang: 105 kinds of serious diseases, divided into 5 groups and paid 4 times. The interval is 180 days.
2. Great Wall Auspicious Life Insurance: 100 kinds of serious diseases, divided into 2 groups, and paid twice. 90 days apart.
Comments: There is nothing to say about the types of diseases. Tianan enjoys a lot of tours, and it's good to be able to pay four times. Great Wall Lucky Life can only be paid twice, and it is divided into two groups, but only 90 days apart. At present, it belongs to the shortest interval of serious illness compensation in the industry!
(2) the responsibility to protect mild diseases
1, Tianan You Xiang and Great Wall Lucky Life are all 50 kinds of mild diseases, which are not grouped.
2. Amount of compensation: Tianan enjoys more compensation, accounting for 30% of the insured amount. Great Wall Auspicious Life Insurance only has 20% of the insured amount.
3, interval: pay 5 times, the Great Wall actually has no interval!
Comments: Each has its own advantages and disadvantages, haha.
(3) terminally ill responsibility
1, Tianan You Xiang and Great Wall Lucky Life are all terminally ill.
2. Compensation standard: Tianan You Xiang only returns twice the premium before 18 years old. Insurance amount/kloc-paid after 0/8 years old. Great wall auspicious life insurance can pay the greater value of the three as long as it is diagnosed, and there is no age limit.
(4) Death liability
1, Tianan You Xiang: Return twice the premium before 18, and pay the insured amount after 18.
2. Great Wall Auspicious Life: There is not only the responsibility of death, but also the responsibility of total disability.
Comments: The Great Wall is lucky to win and lose in life.
(5) Birthday payment
1, Tianan You Xiang: None.
2. Great Wall Lucky Life: If there is a birthday bonus, you can choose to return it at the age of 70/75/79/88: the premium has been paid. However, the collection is conditional: it can only be collected if there is no serious illness, death, disability or termination of the contract.
Comments: the wool is on the sheep, so let's ponder it carefully.
(6) Exemption from liability
1, all minor illnesses and serious illnesses of the insured are exempted. The liability exemption of the insured is the same: mild illness, severe illness and total disability.
2. Tianan Premium is free: When the premium is released, compared with Tongfang Premium, Tongfang Premium is more expensive than Tongfang Premium. Because the insured can refund the premium, it is acceptable.
3. Auspicious life on the Great Wall: Like preferential enjoyment, you can return it for free, but free is more expensive than preferential enjoyment.
(7) Insurance premium
1, with the same age and insurance coverage, when Great Wall Auspicious Life Insurance is 70 years old, there is little difference in children's premiums, which are expensive 15%, and adults are much more expensive, which is expensive 4 1%. When it was received at the age of 88, Great Wall Auspicious Life was 8% more expensive-10%.
Comments: The part that ultimately determines the best product lies in the amount of premium. A critical illness insurance with both security and pension is a bright spot, but consumers need to pay for this bright spot.