When considering critical illness insurance, we need to consider the price, service, claim convenience, brand, long-term ability to pay, dividends, the physical health of the insured, whether it is necessary to pay multiple payments for critical illness insurance, early critical illness insurance protection, value-added services, etc. Choose the most important of these aspects, and then choose the corresponding products.
The advantages and disadvantages of critical illness insurance of Hong Kong companies are introduced.
Prudential's critical illness insurance includes life insurance for critical illness and double life insurance for critical illness.
Prudential's dividend and refund are the highest in the later period. In the first ten years, an additional 35% will be provided for death or serious illness, and 50% will be provided for minor children who are insured. The proportion of early compensation for serious illness and basic early protection for serious illness is 25%.
Prudential has a high dividend, but it can only be cashed if it dies, claims or surrenders. Prudential only accepts insurance for healthy customers in the Mainland.
Prudential's critical illness insurance is suitable for healthy customers, especially male customers, with a relatively large budget and no special attention to early critical illness protection.
Tips: Prudential's critical illness insurance has strict underwriting requirements for mainland customers, and only accepts underwriting from healthy customers. If the customer has any physical condition, it is not recommended to insure Prudential's critical illness insurance.
AIA's critical illness insurance includes many insurances in Tai 'an.
AIA's critical illness insurance is a star product in critical illness. It has extensive early protection and good service. It accepts insurance from unhealthy customers in the mainland, and the insurance policy is also the fastest. At the same time, AIA's claims can be directly transferred to UnionPay cards of mainland customers in RMB, which is the unique service of AIA at present. When customers in third-and fourth-tier cities choose critical illness insurance, it is recommended to choose AIA, because claims in Hong Kong are usually paid to customers' Hong Kong accounts or sent to customers in the form of cash checks in Hong Kong. It may not be convenient for customers in third-and fourth-tier cities in the Mainland to open Hong Kong bank accounts, and it may not be too fast for third-and fourth-tier cities in the Mainland to receive cash checks. For unhealthy customers, AIA can generally give physical examination items on the day of signing the contract, and customers can arrange physical examination on the same day, which is also impossible for other companies.
AIA's late dividends are not as high as Prudential's, and the annual dividends accumulated by AIA can be withdrawn, and the dividends due need to be cashed at the time of claim settlement or surrender.
AXA's critical illness insurance includes Kang Ze Connors.
AXA's critical illness insurance also occupies a certain market share. AXA Kangcai has the most kinds of diseases. In the first ten years, it will provide an additional 35% of the insured amount for death or serious illness, and at the same time, it will adopt the form of main insurance plus additional insurance. Early serious illness and multiple compensation for serious illness can be insured through additional insurance, and the amount of insurance for additional early serious illness can reach half of the main insurance at most, paying special attention to the protection of early serious illness and making the amount of insurance for early serious illness high.
The content of AXA's critical illness product guarantee is a bit complicated, and many customers report that they don't understand it. At the same time, AXA's late surrender value is not high. Smoking customers can only buy Conor separately, and cannot attach early serious illness. AXA's dividend can only be cashed when it is surrendered, died or settled.
1. Your company X's compensation for serious illness is in the form of insurance coverage plus expiration bonus. Since the maturity bonus will be paid ten years after the policy comes into effect, the sickness insurance in the first ten years after the policy comes into effect has only the basic insurance amount and no bonus. Prudential has a premium in the first ten years of the policy (1-/kloc-50% of the basic premium at the age of 0/9,/kloc-35% of the basic premium at the age of 0/9), and special rewards will be issued in the fifth year. This is more beneficial to customers who are older or worried about their health.
2. Prudential has sufficient terminal illness protection and will pay an extra 20% of the basic insurance amount.
3. Friend X Company's life span is looser than Prudential, as long as 15 days, Prudential is 30 days.
(Survival period refers to the number of days that the insured needs to survive when the compensation exceeds 100% of the basic insured amount, counting from the date of diagnosis. )
4. Prudential's waiting period clause is relatively loose. For example, Xiao A was diagnosed with lung cancer on 20 10 1 and was treated after receiving compensation from the insurance company. By 20 1 1, the lesion had completely disappeared, but unfortunately, lung cancer recurred again in March of 20 15. Prudential can pay at this time, but friend X Company can't. Due to the recurrence of cancer in the same organ, Friends X Company requires that the five-year waiting period be calculated from the date when the last cancer focus completely disappears, while Prudential calculates the five-year waiting period from the date when the last cancer is diagnosed.
5. Prudent coverage is relatively loose. The following cases are for reference only. Please don't sit in the right position. Customers with the same disease or surgery may have different underwriting conclusions.
Because everyone's personal experience is different! ! !
Each physical examination case is a single individual, and sometimes additional physical examination items are added to our usual physical examination regulations. Please pay attention!
The female client is 36 years old and comes from Chengdu.
20 13 underwent LEEP knife minimally invasive surgery for cervical lesions in a third-class first-class hospital in Chinese mainland, and the operation was cured.
Insure AIA Hong Kong critical illness insurance-enter Taian Xinbao.
The customer truthfully informed the previous operation, submitted the relevant inspection report, and met with the private clinic doctor recognized by the insurance company. After the specific inquiry, the customer returned to China and waited for the news of underwriting.
Underwriting conclusion:
Customers can insure at normal rates without any exclusions.
Nowadays, many female clients begin to have breast hyperplasia, gynecological diseases, gynecological inflammation and so on after the age of 30.
But it's not too serious, so be very careful when you insure.
First, we should tell the truth.
Second, you should bring the relevant inspection report when you apply for insurance, preferably the inspection report of the top three hospitals in the mainland.
Third, the insurance company will help customers make an appointment with a doctor recognized by the insurance company in advance. After signing the contract, they will take the client to see a doctor. Doctors will communicate with customers about past diseases or operations, and if necessary, they will also do blood tests, urine tests, B-ultrasound and other tests.
Fourth, customers may be asked to have a physical examination to tell the truth, so it is recommended not to eat breakfast that day and rest for two to three days before. Female customers must also avoid menstruation, so that the results are more accurate and beneficial to customers.
In the choice of insurance company, it is recommended that customers with physical condition and surgery choose AIA.
AIA is relatively loose in underwriting, and Prudential is the strictest.
Basically, AIA and Manulife can't protect the case, and other companies can't protect it.
If customers are not at ease, they can choose two companies to insure at the same time, which one to choose and which underwriting result is more beneficial to them. The insurance policy of the other company can be refunded, and the premium will generally be refunded to the card used by the customer to swipe the card. There are many factors to consider when applying for critical illness insurance in Hong Kong. Many people feel good about the critical illness insurance of three to five insurance companies in Hong Kong, and they can't start. Here, Bian Xiao, a Hong Kong accountant, gives you a principle: Choose the one that only suits you, and the advantage of critical illness insurance products is enough to choose the one you care about most! No product in the world contains all functions, and any function has a cost, which should be shared equally from the premium.
When considering critical illness insurance, we need to consider the price, service, claim convenience, brand, long-term ability to pay, dividends, the physical health of the insured, whether it is necessary to pay multiple payments for critical illness insurance, early critical illness insurance protection, value-added services, etc. Choose the most important of these aspects, and then choose the corresponding products.
The advantages and disadvantages of critical illness insurance of Hong Kong companies are introduced.
Prudential's critical illness insurance includes life insurance for critical illness and double life insurance for critical illness.
Prudential's dividend and refund are the highest in the later period. In the first ten years, an additional 35% will be provided for death or serious illness, and 50% will be provided for minor children who are insured. The proportion of early compensation for serious illness and basic early protection for serious illness is 25%.
Prudential has a high dividend, but it can only be cashed if it dies, claims or surrenders. Prudential only accepts insurance for healthy customers in the Mainland.
Prudential's critical illness insurance is suitable for healthy customers, especially male customers, with a relatively large budget and no special attention to early critical illness protection.
Tips: Prudential's critical illness insurance has strict underwriting requirements for mainland customers, and only accepts underwriting from healthy customers. If the customer has any physical condition, it is not recommended to insure Prudential's critical illness insurance.
AIA's critical illness insurance includes many insurances in Tai 'an.
AIA's critical illness insurance is a star product in critical illness. It has extensive early protection and good service. It accepts insurance from unhealthy customers in the mainland, and the insurance policy is also the fastest. At the same time, AIA's claims can be directly transferred to UnionPay cards of mainland customers in RMB, which is the unique service of AIA at present. When customers in third-and fourth-tier cities choose critical illness insurance, it is recommended to choose AIA, because claims in Hong Kong are usually paid to customers' Hong Kong accounts or sent to customers in the form of cash checks in Hong Kong. It may not be convenient for customers in third-and fourth-tier cities in the Mainland to open Hong Kong bank accounts, and it may not be too fast for third-and fourth-tier cities in the Mainland to receive cash checks. For unhealthy customers, AIA can generally give physical examination items on the day of signing the contract, and customers can arrange physical examination on the same day, which is also impossible for other companies.
AIA's late dividends are not as high as Prudential's, and the annual dividends accumulated by AIA can be withdrawn, and the dividends due need to be cashed at the time of claim settlement or surrender.
AXA's critical illness insurance includes Kang Ze Connors.
AXA's critical illness insurance also occupies a certain market share. AXA Kangcai has the most kinds of diseases. In the first ten years, it will provide an additional 35% of the insured amount for death or serious illness, and at the same time, it will adopt the form of main insurance plus additional insurance. Early serious illness and multiple compensation for serious illness can be insured through additional insurance, and the amount of insurance for additional early serious illness can reach half of the main insurance at most, paying special attention to the protection of early serious illness and making the amount of insurance for early serious illness high.
The content of AXA's critical illness product guarantee is a bit complicated, and many customers report that they don't understand it. At the same time, AXA's late surrender value is not high. Smoking customers can only buy Conor separately, and cannot attach early serious illness. AXA's dividend can only be cashed when it is surrendered, died or settled.
1. Your company X's compensation for serious illness is in the form of insurance coverage plus expiration bonus. Since the maturity bonus will be paid ten years after the policy comes into effect, the sickness insurance in the first ten years after the policy comes into effect has only the basic insurance amount and no bonus. Prudential has a premium in the first ten years of the policy (1-/kloc-50% of the basic premium at the age of 0/9,/kloc-35% of the basic premium at the age of 0/9), and special rewards will be issued in the fifth year. This is more beneficial to customers who are older or worried about their health.
2. Prudential has sufficient terminal illness protection and will pay an extra 20% of the basic insurance amount.
3. Friend X Company's life span is looser than Prudential, as long as 15 days, Prudential is 30 days.
(Survival period refers to the number of days that the insured needs to survive when the compensation exceeds 100% of the basic insured amount, counting from the date of diagnosis. )
4. Prudential's waiting period clause is relatively loose. For example, Xiao A was diagnosed with lung cancer on 20 10 1 and was treated after receiving compensation from the insurance company. By 20 1 1, the lesion had completely disappeared, but unfortunately, lung cancer recurred again in March of 20 15. Prudential can pay at this time, but friend X Company can't. Due to the recurrence of cancer in the same organ, Friends X Company requires that the five-year waiting period be calculated from the date when the last cancer focus completely disappears, while Prudential calculates the five-year waiting period from the date when the last cancer is diagnosed.
5. Prudent coverage is relatively loose. The following cases are for reference only. Please don't sit in the right position. Customers with the same disease or surgery may have different underwriting conclusions.
Because everyone's personal experience is different! ! !
Each physical examination case is a single individual, and sometimes additional physical examination items are added to our usual physical examination regulations. Please pay attention!
The female client is 36 years old and comes from Chengdu.
20 13 underwent LEEP knife minimally invasive surgery for cervical lesions in a third-class first-class hospital in Chinese mainland, and the operation was cured.
Insure AIA Hong Kong critical illness insurance-enter Taian Xinbao.
The customer truthfully informed the previous operating conditions and submitted relevant inspection reports.
At the same time, I met with doctors in private clinics recognized by insurance companies. After specific inquiry,
Customers return to China, waiting for news of underwriting.
Underwriting conclusion:
Customers can insure at normal rates without any exclusions.
Nowadays, many female clients begin to have breast hyperplasia, gynecological diseases, gynecological inflammation and so on after the age of 30.
But it's not too serious, so be very careful when you insure.
First, we should tell the truth.
Second, you should bring the relevant inspection report when you apply for insurance, preferably the inspection report of the top three hospitals in the mainland.
Third, the insurance company will help customers make an appointment with a doctor recognized by the insurance company in advance. After signing the contract, they will take the client to see a doctor. Doctors will communicate with customers about past diseases or operations, and if necessary, they will also do blood tests, urine tests, B-ultrasound and other tests.
Fourth, customers may be asked to have a physical examination to tell the truth, so it is recommended not to eat breakfast that day and rest for two to three days before. Female customers must also avoid menstruation, so that the results are more accurate and beneficial to customers.
In the choice of insurance company, it is recommended that customers with physical condition and surgery choose AIA.
AIA is relatively loose in underwriting, and Prudential is the strictest.
Basically, AIA and Manulife can't protect the case, and other companies can't protect it.
If customers are not at ease, they can choose two companies to insure at the same time, which one to choose and which underwriting result is more beneficial to them. The insurance policy of the other company can be refunded, and the premium will generally be refunded to the card used by the customer to swipe the card.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.