People often ask, which insurance product is the best, and we can start directly?
In fact, dad believes that there is no best and perfect insurance product, only the one that suits him best.
But the insurance clauses are obscure, unprofessional, and it is difficult to tell good from bad.
Especially for critical illness insurance, the coverage content is complex and it is even more difficult to choose.
Today, my father helped us sort out the best list of critical illness insurance at present, and everyone can choose according to their own needs.
When actually applying for insurance, it is recommended to do it with the assistance of professionals and make health notification.
I. Adult critical illness insurance
Adult critical illness insurance, according to the characteristics of products, is mainly divided into three parts:
Economical and applicable: solid responsibilities, moderate price and high cost performance, suitable for most people;
Budget-sufficient type: the guarantee responsibility is richer and more comprehensive, the lifelong guarantee is in place in one step, and the corresponding price is higher, which is suitable for people with sufficient budget;
Loose underwriting: For some diseases, the underwriting scale is loose, which is suitable for people with slight physical problems.
1) Affordable critical illness insurance TOP4
Hetai Guangwu No.7, newly listed this month, has flexible insurance, rich optional responsibilities and obvious rate advantages, and has become the new king of low premium.
League of nations Darwin 7
At the end of last year, the underwriting policy of this product was adjusted and the underwriting of nodular diseases was relaxed.
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Excellent protection for minor illness: after payment for serious illness, minor illness is still valid, and if you get mild/moderate illness during the waiting period, the contract will continue to be valid except for illness exemption;
The payment for serious illness lasts for 6 years: 80% for serious illness before the age of 60, 30% for middle illness, and the second payment for hidden serious illness, so as to strengthen the protection of major liability period;
Cancer protection upgrade: "mild malignant tumor" and "cancer in situ" can be paid extra, and the protection is more humane;
Cost-effective ratio: content upgrade is guaranteed, and the price advantage is still obvious.
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The basic guarantee is solid, the optional guarantee is rich and practical, and the cancer guarantee is cost-effective.
Applicable people
People who pay attention to the protection of high-incidence diseases, value the cost performance of products, or have a family history of malignant tumors.
Hetai Super Mario 7 (Classic Edition)
Super Mary 7 currently has three versions: classic version, easy core version and warm men's version.
These three products have good performance, but they are suitable for different people, and Dad also has a detailed analysis.
Here we only introduce the classic version:
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Flexible insurance: in addition to the heaviest and lightest diseases, additional compensation and death liability are optional, and there are many insurance schemes to choose from;
High proportion of additional compensation: optional additional liability. Before the age of 60, the serious illness and the moderate illness paid an extra 65,438+000% and 20% of the insured amount, respectively, with a high cumulative compensation ratio and more compensation;
The same serious illness can be paid twice: after the first serious illness payment before the age of 60, after an interval of 3 years, the same serious illness (except persistent state) or other serious diseases can be diagnosed again, and an additional 80% of the insured amount can be paid;
The interval of cancer protection is short: cancer allowance can be paid once every 1 year, and the probability of getting compensation is high, and the premium after additional payment is not high.
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The guarantee is flexible and not tied, and the optional guarantee is practical.
Applicable people
People with average budget who pay attention to the protection of similar serious illness.
Ruihua Healthy Qing An Wei
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Closed-loop protection of self-contained diseases: after compensation for serious diseases, the protection of mild and moderate diseases in the same group is still effective; Moreover, after paying for minor illness, different groups of critical illness insurance can pay an additional 20% of the insured amount;
Optional special disease protection for men and women: special diseases for men and women (20 for each) diagnosed before the age of 65, 80% extra insurance, plus disease protection for important stages of life;
Optional disability care allowance: special diseases of the elderly (10) are diagnosed after the age of 65, with an annual premium of 10%, with a maximum cumulative premium of 100%;
Cancer allowance is paid in steps, with short interval: when cancer is diagnosed for the first time, 50/40/30% of the insured amount is paid every 1 year, limited to three times, and the highest 120% of the insured amount;
Personal health management services: provide additional personal health management services, covering outpatient, inpatient and surgical services, and support advanced MDT multidisciplinary consultation for the diagnosis of serious diseases.
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The basic guarantee is solid, there is a closed-loop guarantee for diseases, and the optional responsibilities have their own characteristics.
Applicable people
The male insurance premium rate is low, which is suitable for people who value the high proportion of disease compensation.
Hetai guangwu no.7
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Flexible guarantee: rich in optional liabilities, you can flexibly choose eight guarantees, such as death liability, disease care fund, cancer allowance, family support allowance, cardiovascular and cerebrovascular disease protection, ICU hospitalization allowance, continuous insurance for mild and moderate diseases, and policyholder exemption;
The first family pillar allowance guarantee: during the period of 18-65 years old, the insured will pay 100% of the insured amount for any illness, thus enhancing the protection against illness and death;
Upgrade the protection of mild and moderate diseases: add the continuous protection fund for mild and moderate diseases. 90 days after the diagnosis of serious illness, the responsibility of mild and moderate diseases in different groups is still effective, and there are more mild groups with lower compensation threshold;
ICU hospitalization allowance for unlimited diseases: With this guarantee, the maximum accumulated compensation for hospitalization in ICU due to accidental injury/waiting period can be 90,000 yuan;
The rate advantage is obvious: the basic guarantee is simple, the optional responsibility is flexible, and the product rate can be lower under compulsory responsibility;
Green channel service for serious illness: provide 9 green channel services such as expert outpatient service, emergency hospitalization, emergency surgery and ambulance fee subsidy. And you can enjoy better medical resources.
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Flexible insurance, rich optional liability and obvious rate advantage;
Applicable people
People who pursue flexible insurance, limited budget and pay attention to special protection such as death protection.
2) critical illness insurance TOP4 with sufficient budget.
Kunlun health insurance universal edition
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The number of claims for serious illness is high, and the proportion of claims is high: the serious illness is not divided into two groups, and the previous 15 policy year can get an additional 50% of the insured amount.
25 kinds of special disease protection: before the age of 30, you can get an extra 100%, which increases the coverage.
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The quantity and proportion of compensation for serious illness are very advantageous.
Applicable people
Suitable for young friends who pursue serious diseases and pay attention to the protection of special diseases.
Kunlun healthy Apollo 1
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No group payment for serious illness: No group payment for serious illness for 3 times, with an interval of 1 year, with short time and high probability of payment;
There is also extra compensation for mild and moderate diseases: not only serious diseases, but also mild and moderate diseases. Pay more 15% and 30% respectively before the age of 60, and encourage the insured to prevent, find and treat early;
25 kinds of special disease protection: before the age of 30, you can get an extra 100%, which increases the coverage.
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Overall payout ratio is high.
Applicable people
Suitable for young people under the age of 35 who pursue multiple pay and are not grouped.
Harmonious and healthy Apollo 2
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The number of claims for serious illness is high: the serious illness is divided into three groups, each interval is 1 year, and the insurance coverage is 100%, 150% and 150% respectively, which belongs to the current high market level;
Extended warranty for the same major illness: 3 years after the first diagnosis of a serious illness, as long as it is not a continuous state of the disease, the same serious illness can still be compensated;
Single compensation price, multiple compensation protection: the same amount of 300 thousand, lifetime protection, excluding death. Its premium is the same as that of single compensation products on the market, especially for women, and the rate is very advantageous.
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The critical illness protection is comprehensive, the cost performance is super high, and the female insurance price is more advantageous.
Applicable people
Take a fancy to the protection of serious illness and pursue multiple compensation or female groups.
Fude Life Orange Guardian 1 Hao
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There are no three groups of compensation for serious illness: only the interval 1 year, and the compensation probability and guarantee are very strong;
The proportion of extra compensation is high: before the policy 15 years, you can pay double the insured amount for serious illness; 60% of the insured amount can be compensated for mild illness, and the compensation amount is higher;
Special protection for benign tumors: breast, brain, liver and other organs suffer from benign tumors, which can not meet the standard of serious illness claims, but this responsibility can be paid, lowering the threshold of claims;
Cost-effective ratio: In the multiple compensation products, the price is lower.
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The guarantee responsibility is practical and the compensation is strong. It is a rare and cost-effective multiple compensation product in the market.
Applicable people
A friend who pursues repeated compensation for serious illness, but the budget cost is not too high.
3) Underwriting easy critical illness insurance TOP4
Tongfang Universal Versailles Plus
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The diseases with loose underwriting include: health information is more relaxed for women and premature infants, and underwriting system is more relaxed for diseases such as hypertension, depression and hepatitis B;
The extra payment for critical illness is extended to 64 years old: most of the extra payment for critical illness insurance is before the age of 60. The product pays 80% extra at the age of 60 and 30% extra at the age of 60-64, and the guarantee time is longer;
Strong protection for mild and moderate diseases: 60-year-old extra payment 15%, both of which can enjoy 5 times compensation, which is more flexible;
Hard core of value-added services: the original six value-added services have been upgraded to 10, and the service content is excellent and practical. Click to view details: Versailles PLUS green pass service upgrade;
Cancer can be paid multiple times: cancer can be paid twice extra, and it can be paid up to 380% when it is superimposed with the basic serious illness payment.
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The content of protection and the proportion of compensation are very advantageous, and at the same time, it can give consideration to loose health notification and be friendly to the sick groups.
Applicable people
Friends with abnormal health or pursuing a higher sense of security.
People's Insurance Company of China Una Company
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Diseases with loose nuclear insurance include: thyroid nodules, gastric or intestinal polyps, etc.
The waiting period is only 90 days: shorter than the general product 180 days, which means longer guarantee time;
Extra payment for serious illness: 50% of the insured amount can be paid before the policy 10 year, and there is a chance to get higher premium;
Flexible insurance: the protection of mild and moderate diseases of this product can be selected as needed, which is very flexible;
Produced by big companies: PICC China Insurance, full of brand effect.
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The compulsory liability is simple, the guarantee is solid and the insurance is more flexible.
Applicable people
People who take a fancy to large companies with small product budgets.
Worry-Free Life (Easy Core Edition)
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The diseases with loose underwriting are: thyroid nodule, thyroid cancer, lung nodule, breast nodule, three yang and three high;
There are many times to pay for serious illness: no group pays twice, with an interval of 1 year, short time and high probability of payment;
10 full coverage of high incidence and serious diseases of men and women: 18-60 years old, if 10 male-specific diseases or 10 female-specific diseases are diagnosed, extra compensation will be paid 100% of the insured amount;
Produced by big companies: China People's Insurance Company is responsible for insurance, which is a proper big brand product.
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There are many serious diseases, and there are also special diseases with particularly high risk.
Applicable people
Friends with abnormal health and fancy big brand products.
Sino-Dutch Beyond 1
There is a relaxation policy for nuclear insurance after thyroid cancer surgery.
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The diseases with loose underwriting are: most common diseases are large in scale, such as three highs, pulmonary nodules, hepatitis B, depression, thyroid cancer, etc.
Adequate basic security: including the basic responsibility for serious illness and mild illness, and the proportion of compensation is at the regular level;
Optional secondary payment for serious illness: after the interval of 1 year, if a serious illness other than the first serious illness is diagnosed, the payment will be 100% of the insured amount, and the guarantee will be upgraded to multiple payments.
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The guarantee is solid, the optional responsibility is practical, and it is friendly to the sick insured.
Applicable people
A friend with abnormal health.
Second, children's critical illness insurance TOP6
Long Jun Xiaoqinglong
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After the serious illness is paid, the minor illness can be paid again: after paying the first serious illness insurance premium, the protection of minor illness is still effective;
Comprehensive protection of high-incidence diseases: more compensation can be paid for serious diseases, and up to 3 additional payments can be made for serious diseases; The second cancer compensation can be attached, and the first serious illness can compensate cancer/non-cancer;
The hospitalization allowance guarantee has the following characteristics: no compensation for 0 days, flexible choice of hospitalization days, and compensation for serious illness, moderate illness and accidental hospitalization;
Value-added services are intimate: leukemia health management programs and value-added services for critical illness medical care cover a wide range.
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Insurance has rich and innovative responsibilities, strong disease protection and flexible insurance.
Applicable people
Pursue the protection of serious illness and protect excellent children with minor illness.
Hengqin Dumbo
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The proportion of extra compensation for serious illness is high: in the first 30 years of the policy, extra compensation for serious illness is 60%, and more compensation is paid;
Support manual pre-underwriting: even if the underwriting conclusion is refusal, it will not leave a record, which will affect the insurance of other products;
Flexible insurance: it can be insured within a fixed period of time, and you can choose death liability and multiple guarantees.
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The basic guarantee responsibility is solid, the optional responsibility is rich, and it is friendly to children who are insured in spite of illness.
Applicable people
Children who pursue the proportion of compensation for serious illness or weak constitution.
Merchants he Qing yun Wei No.2
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Mild illness is still guaranteed after serious illness claims: after serious illness claims, mild illness can be compensated again, which is more humane;
High proportion of compensation: there are extra compensation for serious illness and mild illness, and the second compensation for serious illness and cancer is attached. As long as the interval between "non-cancer and cancer" exceeds 1 year, two responsibilities can be paid at the same time, with a maximum compensation of 240%;
Health management service upgrade: expanded the content of service guarantee, divided into three modules: health consultation, daily medical care and critical illness medical care, to provide more comprehensive medical analysis and medical arrangements for children and adults;
High brand awareness: the underwriting company is China Merchants and Life Insurance, and it is a large domestic insurance company.
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The guarantee responsibility is comprehensive and unique, with high cost performance.
Applicable people
Parents who pursue complete protection, high payout ratio and pay attention to brands.
Bumblebee 7 (All-around Edition)
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There is still protection after claims for serious diseases of mild and moderate diseases: 90 days after the initial diagnosis of serious diseases, as long as the number of claims for mild and moderate diseases is less than 6 times, different groups of mild and moderate diseases can still pay 1 time;
The proportion of extra compensation for serious illness is high: 30 years old or 70 years old/lifetime, and 60% extra compensation for the previous 10 or 30 years;
Provide health management services: including online consultation, telephone consultation, green link for serious illness, etc. It is more convenient to see a doctor;
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The compensation ratio is high, and the guarantee is more humanized.
Applicable people
Parents who pursue comprehensive protection and pay attention to health management.
League of nations naughty 1
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After paying for the serious illness, people of different groups can still pay for the mild/moderate serious illness: 90 days after the first diagnosis of the serious illness, if the number of claims for the minor illness is not used up, the serious illness of different groups can continue to be guaranteed;
Extra compensation can be paid for serious illness and mild illness: optional disease care fund, 60%, 20% and 10% extra compensation for serious, moderate and mild illness in the first 30 years of the policy;
High proportion of compensation for multiple serious diseases: with this responsibility, the second and fourth serious diseases can be paid extra 120%, 150% and 200% respectively;
Hospitalization insurance has its own characteristics: it can increase ICU hospitalization insurance premium and hospitalization day insurance premium, and reduce the economic pressure of hospitalization.
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The guarantee content is solid, the optional responsibility is rich, and the premium advantage is obvious.
Applicable people
People with limited budget who pursue adequate hospitalization security and high compensation for diseases.
Guolianhui Xin' an 2022
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Adequate basic protection: covering serious diseases, mild and moderate diseases and special diseases of children;
The rate advantage is obvious: the disease care fund (that is, extra compensation for serious/moderate/minor diseases) is optional, and the premium can be lower;
Optional responsibilities are rich: including multiple critical illness insurance, secondary cancer insurance and hospitalization allowance for severe hand, foot and mouth disease, which is very practical.
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The security content is solid and the premium is advantageous.
Applicable people
Pursue people with solid basic disease protection and flexible insurance.
Third, dad's summary.
There are many critical illness insurance products on the market, and it is easy to step on the pit if you choose more.
Therefore, my father suggested that before applying for insurance, we should first make clear our own protection needs, and then combine our own premium budget to determine products and corresponding protection programs.
In addition, critical illness insurance is only one of the insurance types. For adults who are responsible for the family economy, it is best to allocate millions of medical insurance, accident insurance and term life insurance.
I hope dad's answer will help you!