Will Xinhua Health Fuxing increase by 20 14?

The coverage of this insurance increases by 3% every year, which looks good on the surface, but the premium is really expensive and the cost performance is very low.

In fact, if you insure the products with higher cost performance on the market with the same premium, part of the insured amount can be doubled. Then it will take n years according to the original increase, and now you have it from the purchase. Which do you think is better? Moreover, the coverage and insurance liability are not as good as the cost-effective critical illness insurance.