Let's take a look at "the difference between consumer insurance and return insurance"
Consumer insurance: pay 50 yuan insurance 1 year and 1, and pay in case of accident 1 ten thousand; Nothing happened, and I didn't pay the 50 yuan.
Return insurance: 2,000 yuan, the insured amount 1 1, and the accident compensation 1 ten thousand; 2. Nothing happened, and I paid back 2000 yuan. Is the return insurance cost-effective? I just sorted out the relevant contents, hoping to help you: the top ten best-selling consumer insurance, savings insurance and return insurance!
"Not surprisingly, the premium is gone? It is better to buy return insurance. "
That must be what you think in your heart. ...
Let's do the math.
Look at the picture below!
Judging from the chestnuts of Xiaohong and Xiaoming:
Consumer insurance is more cost-effective and flexible;
It allows you to achieve high security with less investment.
Young people's income is not high, their living expenses are high, and they have no extra funds to pay higher premiums. They need cheap consumer insurance to deal with accidents, diseases, deaths, medical care and other risks in their lives.
Young man, consumer insurance is true love ~
In the field of internet insurance, as long as the cost performance is high and the claims service is better, you have everything you want. Compare the products of 106 insurance companies and choose only the best. Come here ~
Sort by accident insurance, medical insurance, critical illness insurance, life insurance and travel insurance ~ ~
The insurance recommended below does not require physical examination or signature. Fill in the health notice truthfully and you can complete the insurance online! They are all electronic insurance policies (the insurance law stipulates that electronic insurance policies have the same legal effect, and those who are not at ease can get the electronic insurance policies and print them in color).
In addition to electronic insurance policies, critical illness insurance and life insurance can also apply for paper insurance policies.
There are eggs in the back. If you don't want to see so much, you can just pull it to the back.
I. Adult comprehensive accident insurance China Ping An only believes in big brands (18-65 years old)
300,000 accidental death/disability+1.5 million sudden death insurance+50,000 accidental medical treatment+2 million airplane accidents+500,000 train accidents+9,000 hospitalization allowance = 168 yuan.
Place of purchase: Open the mobile phone Alipay and search for Ping An Million Comprehensive Accident Insurance.
Comprehensive accident insurance for the elderly China Ping 'an is 50 to 90 years old.
65438+ million personal accidents+1 10,000 aviation accidents+1 10,000 automobile accidents+1 10,000 train accidents+1 10,000 ship accidents+1 10,000 accidental medical treatment+8,000 accidental fractures and joint loss+9,000 accidental hospitalization allowance = 65440.
Place of purchase: Open the mobile phone Alipay to search for comprehensive accident insurance for the elderly.
Comprehensive accident and other insurance coverage is cumulative payment. For example, in the event of a train accident, the cumulative compensation can be 200,000.
Children's comprehensive accident outpatient Huatai children's super power treasure
Accidental death/disability 65,438+10,000+illness hospitalization 65,438+10,000+65,438+02 Children's specific illness insurance 65,438+10,000 = 65,438+080 yuan/year.
View: Huatai Children's Super Insurance
Second, medical insurance.
Million medical insurance
Millions of medical care only started to catch fire a few years ago, reimbursing large medical expenses for civilian medical insurance.
Simply put, the premium is very cheap. Young talents can pay two or three hundred yuan a year, and the highest medical reimbursement can be guaranteed to be 3 million or even 6 million. However, there is a deductible threshold of 1 000, that is, the self-funded part exceeding 1 000 can be reimbursed. And it is necessary to be hospitalized.
Alipay is good at medical insurance and long-term medical care (note that the underwriting company is PICC China).
The underwriting of this product is the most relaxed, even if you have physical problems, you can try to buy it, the price is the lowest, and the protection is more comprehensive. And guarantee a six-year renewal (which is very important)
General hospitalization medical insurance is 2 million, and 100 serious illness insurance is 4 million.
You can go and see for yourself, without saying much.
In addition, WeChat also has the compulsory insurance service of Million Medical Insurance.
Medical insurance against cancer for the elderly
Many elderly people can't buy critical illness insurance and millions of medical insurance, or buy it because the premium is very expensive and the protection is very low, which is really not cost-effective.
Therefore, it is recommended to buy anti-cancer medical insurance, which is relatively cheap. If it is cancer, at least the treatment fee will be reimbursed.
Anxin Insurance enjoys a lifetime medical insurance coverage of 2 million, and the price of 60-65 years old is 6 17 yuan/year.
The price from 55 to 60 is 47 1 yuan/year.
Click here to view; Special recommendation of Thiel real life insurance
There are many such short-term products in Alipay, and you can also go to the insurance service Alipay.
Next, talk about serious illness.
With critical illness insurance, do you still need medical insurance?
The answer is of course!
Buying insurance doesn't mean that you don't have to worry about buying a critical illness insurance at all, otherwise there will be places that critical illness insurance can't cover, such as:
1, the type of serious illness is not within the range of serious illness stipulated in the insurance contract;
2. Even if the serious illness falls within the scope stipulated in the insurance contract, the illness is not serious enough to meet the serious illness standard stipulated in the insurance contract;
This is where medical insurance is needed to cover this part of the risk.
The two are complementary. Critical illness insurance is a one-time payment of a large amount of insurance money, which consumers can use to treat diseases or arrange other expenses for their families. Medical insurance is to reimburse the money spent on treatment.
In short, one is to give you money at one time when you are sick, and I don't care how you spend it; One is that you have to receive treatment when you are sick. I'll pay as much as you spend, except for social security reimbursement and deductible extra money. And with medical insurance, you are seriously ill in hospital. The insurance company helps you find the best hospital. You can live in a good ward, use good medicine and enjoy high medical care without waiting in line. These are paid by the insurance company.
Three. critical illness insurance
Adult's serious illness-pure consumption type (that is, you don't choose the death liability, because the death liability's serious illness insurance can only choose one of them, that is, the serious illness does not compensate for the death, so it is not recommended to choose the death liability. You can use the saved premium to buy term life insurance to cover the death liability, which does not conflict with the compensation for serious illness)
Key recommendation ~ ~ ~ Update again
Consumer critical illness insurance (suitable for people with insufficient budget but want comprehensive protection): Darwin 3, Super Mary 3 MAX, Super Mary 2 MAX, Kanghuibao 2.0, Steel Warrior 1, Jiahebao.
Several consumer critical illness insurances that are recognized as very cost-effective.
To clarify one point: many people think that consumer-oriented serious illness does not surrender, and the premium is wasted. Actually, it's not. Consumer critical illness insurance and term life insurance both have policy cash value. Surrender is to return the cash value of the policy, that is to say, you can get back some money, such as Darwin 3, and the cash value is quite high.
The overall comparison of six kinds of hot-selling consumer goods with severe diseases is as follows, and the red ones are outstanding features.
PS: Product intelligent underwriting can only be used by clicking the link on the mobile phone. Suggest a mobile phone.
As the picture shows, it is a horizontal comparison of several major diseases. From safety to price, insurance xiaobai may not understand.
Draw a direct conclusion:
If you don't attach additional protection to these items, the price difference will not be too big, and the protection is comprehensive and the terms are not pitted.
The difference lies in the guarantee part marked in red in the chart.
1, Darwin 3, the first one. It should be the most cost-effective serious illness on the market at present. The guarantee is the most comprehensive, the price is not much higher, and the guarantee is very easy to use. For example, 60-year-old forehead pays 80% of the insured amount, which is simply to buy one get one free. The liability for secondary compensation for cancer is optional. If you don't choose, the price is cheaper. This mainly depends on your personal budget.
The characteristic guarantee is that moderate stroke can be compensated once again, and the critical illness insurance coverage is 60%. Atypical myocardial infarction/minimally invasive coronary artery bypass surgery/minimally invasive coronary intervention surgery can be compensated for 45% of the critical illness insurance coverage. Cancer in situ can be compensated twice, and the second time is also 45% of the critical illness insurance coverage.
Insured by Xintai Life Insurance Company. Xintai Life Insurance was established in 2007 with a registered capital of 5 billion yuan and quite a few branches. It is also a relatively large insurance company.
If the demand is comprehensive protection, it is recommended to choose this one first.
Where to buy: Darwin 3- This font does not include the point of death.
2. Super Mary 2 MAX and Super Mary 3 MAX
They are like sisters, and the main difference between them is:
1, Super Mary No.3 suffers from a serious illness before the age of 60, and can pay an extra 80% of the insured amount, 20% more than No.2;
2. The proportion of compensation for mild and moderate diseases in Super Mary 3 is higher than that in Super Mary 3.
3. Super Mary No.3 B cancer secondary compensation guarantee 150%, higher than No.2 cancer guarantee 120%.
4. The price is that Super Mary 3 is slightly more expensive than 2. If it is not particularly sensitive to the price, it is recommended to buy 3.
These two models are also produced by Xintai Life Insurance.
Where to buy it: MAX, Super Mary No.3, click this font.
Where to buy it: Super Mary 2 MAX Click on this font.
3. Kanghuibao 2.0
The guarantee is slightly worse than the first three, but it also has a very distinctive part, that is, 15% of the insured amount before illness. Further lowering the threshold for claims.
It underwrites the company's 100-year life and has many branches. The price is slightly lower than Darwin 3 and Super Mary 3, and similar to Super Mary 2 MAX.
The disadvantage is that some elderly people can't choose to pay for 30 years, which leads to greater pressure on payment.
Where to buy: Centennial Kanghuibao (Version 2.0) Critical illness insurance Click this font.
4. Steel Warrior 1 Compared with Jiahebao, it is basically guaranteed. Steel Warrior 1 Because his forehead dropped by 50% at the age of 60, he is better than Jiahebao in security. But the price is also slightly higher.
Disadvantages: Both products are owned by small insurance companies with few branches. If you are not particularly sensitive to the price, it is recommended to give it only to you.
If you want to know how to buy a serious illness and what you need to pay attention to, you can read my article, which has a detailed explanation and analysis.
Tell Ren Zhen Howell: What should I pay attention to when buying critical illness insurance? After reading this article, I can understand 70%.
There are too many consumer critical illness insurances. What should I do if I can't tell them clearly?
Serious childhood diseases
Comparison of children's serious diseases in the market
On a regular basis, for example, 20 or 30 years, until the child is independent.
Life-long, one-time life-long protection for children.
Tell the conclusion directly
If the budget is limited, you can choose to keep it for 30 years to ensure that your child is in his 30 s. At that time, he will be an adult and have the ability to buy insurance himself. Maybe insurance will be better then.
Three-term children's serious illness is the most cost-effective product on the market at present. No matter which one you buy, the guarantee is good, and the difference is not big.
If I have to make the first choice, I prefer the Sunshine Advanced Edition. Judging from the practicality, price, strength and service of the insurance company, this comprehensive product is very good.
Click here to view the specific products. You can ask me or customer service if you don't understand.
Beyond the version of sunshine warranty
Jiabeibao
Bumblebee time machine
If the budget is sufficient, you can choose lifelong protection and give your child enough protection at one time.
The four recommended models are also the best children's serious diseases on the market today, so you can buy any one without losing money.
Mummy Bao Bei was the first product to be promoted. This product is also the most popular serious illness of children in the market at present. Excellent in all aspects, and the guarantee and price are very real. The insured insurance company Fosun United Health Service is also good.
The second push is Guardian 3, which is very comprehensive, and the closed loop of Kunlun Health Service, an underwriting company, is also good.
The other two guarantees are good, but the disadvantage is that the underwriting company is too new and the service is not enough.
Click here to view the specific products. You can ask me or customer service if you don't understand.
Mami Bao Bei critical illness insurance
defender iii
If you are not clear, you can read the following article.
Thiel Ren Zhen Howell: 20 19 latest evaluation of cost-effective critical illness insurance for children. I will configure it myself after reading it.
Fourth, life insurance.
Life insurance is divided into term life insurance and whole life insurance
Because of its standardization, life insurance has also become a key innovative product of various insurance companies this year, with a lot of improvement in cost performance and a gradual increase in insurance coverage.
The following is a detailed comparison of several popular models on the market.
The first product is Ruihe 2020. The product rate is as low as the market floor price, and the insurance is extremely loose. Moreover, ruitai Life has a good reputation, with the least exemption (the widest coverage, including compensation for drunk driving, terrorist attacks and war, except many others).
Ruihe will celebrate its birthday in 2020.
The next best luxury barley longevity product is simple and easy to understand: low price, loose insurance coverage and less exemption (the widest coverage, drunk driving, terrorist attacks, war, except many others).
Barley fixed life
Address of all products: Taier Life Special Recommendation
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More good new products will be continuously updated, so stay tuned ~ ~
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