Back to your question. There is no reward for a healthy and carefree type C. There is no saying that you don't start collecting money until you are 65 ~ but this product bears the responsibility of death. Even if you don't get sick for life, you can pay the basic insurance amount after a hundred years of death.
It seems that you still don't know the responsibility of health-free C model. Let me give you a detailed introduction and pay attention to the shortcomings. This is a big problem!
Worry-free C 1 is a product of Xinhua Life Insurance, which has two versions: the youth version and the adult version. Detailed and in-depth evaluation and analysis are here. Is China Life OK? Do you have any insurance recommendations?
Let's briefly analyze the advantages and disadvantages of these two versions.
As usual, look at the contents of the guarantee first: (see the picture below)
In order to explain the characteristics of these two versions more clearly, we will explain them separately, starting with the adult version.
The adult version does a good job in these aspects:
1. As long as you are unfortunately diagnosed with serious illness or death in the first ten years, Xinhua Life Insurance Company will give you an extra 20% of the basic insurance coverage.
2. Those who unfortunately suffer from six specific diseases, such as brain cancer and pancreatic cancer, can get the basic guarantee of 120%.
Its disadvantages are:
1, low cost performance: general guarantee and high price. The price of 1 000 yuan is not affordable for everyone.
2. At present, the proportion of compensation for mild diseases in the market is 30%. However, the compensation ratio of this product is far below the market average. This product only pays 20% of the basic insurance amount, and the premium is 10000 yuan. I'm really sorry.
Let's look at the teen edition again.
Its highlights are:
1, including the protection for specific serious diseases. If you suffer from specific serious diseases, you can get 120% protection.
2. The specific serious diseases of teenagers have been added: If you suffer from diseases that meet the specific diseases and serious diseases of teenagers at the same time before the age of 30, then you will get 200% compensation.
Disadvantages are:
1, its longest payment period is only 20 years, and its leverage is really low.
2. The proportion of minor illness compensation is low: the average proportion of minor illness compensation in many critical illness insurance in the market is 30%, and this compensation is 20%, which is slightly lower.
Generally speaking, the protection of this product is still quite sufficient.
However, the premium is really expensive. The adult version of the single payment of critical illness insurance can be comparable to the price paid many times in the market. Children's version or even 0-year-old children buy 500 thousand insurance coverage and pay 6400 yuan every year.
This product is more suitable for people who have enough budget to buy it. If you are a friend who pursues cost performance, here are several critical illness insurance with high cost performance: the inventory of critical illness insurance of the top ten insurance companies "worth buying"!