Before the text begins, let's take a look at what kinds of critical illness insurance are popular in the market at present:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
1. Which is better, Xinhua Life Insurance or Taikang Life Insurance?
Senior sister chose the critical illness insurance of Xinhua Life Insurance and Taikang Life Insurance respectively-Health C6 and Lexiang Health 202 1. Let's see which insurance is more powerful:
1. Comparison of insurance conditions
The warranty period of Health Care C6 and Lexiang Health 202 1 is the same, and they both provide life-long guarantee service with a waiting period of half a year.
In terms of insurance age, Healthy C6 is insured by people aged 30 days to 60 years, that is, adults and children have the opportunity to be insured, and the maximum insurance age should not be higher than 60 years old; The age range of the insured of Lexiang Health 202 1 is 18-70 years old. Only adults have the opportunity to insure, and the age of insurance cannot be higher than 70. The two products have their own advantages in the age of insurance.
For the payment period, C6 Health Insurance offers five options, and Lexiang Health 202 1 has eight options. Therefore, Enjoy Health 202 1 has more choices for the payment period.
2. Comparison of major disease protection
Worry-free C6 contains 130 kinds of serious diseases, while Lexiang Health 202 1 only covers 120 kinds of serious diseases. Even though there are more kinds of serious diseases guaranteed by Worry-Free C6, both products contain 28 high-risk serious diseases stipulated by CBRC, accounting for more than 95% of the claims rate for serious diseases, so it is unnecessary to pay too much attention to the number of serious diseases.
In terms of compensation for serious illness, Health Insurance C6 pays 100% of the basic insurance premium, paid premium and cash value first, and enjoys the basic insurance premium of Health 202 1 only 100%. In contrast, the amount paid by Lexiang Health 202 1 shall not exceed the amount paid by C6 Health Insurance.
However, in terms of critical illness protection, there is no additional compensation for these two products. Basically, excellent critical illness insurance on the market has additional critical illness compensation. Take Versailles plus as an example. Not only can you pay with all the basic insurance coverage, but you can also be diagnosed with serious illness for the first time before you are 60 years old, and you can also pay 80% of the basic insurance coverage as compensation for the insured. If you are diagnosed with a serious illness for the first time at the age of 60-64, you can also pay an additional 30% of the basic insurance amount, which is very powerful and worth buying by consumers.
3. Comparison of protection against mild and moderate diseases
Healthy and Worry-Free C6 and Lexiang Healthy 202 1 both guarantee 20 kinds of Chinese medicines, and the compensation ratio is 50%. However, the compensation for this healthy C6 is 202 1 times more than that for Lexiang Health. In contrast, this healthy and worry-free C6' s TCM guarantee is more perfect.
For minor illness protection, this health care C6 and Lexiang Health 202 1 both guarantee 40 minor illness protection, but Lexiang Health 202 1 claims twice as much as the health care C6.
However, mild diseases of healthy C6 pay 20%, 25%, 30%, 30% and 30% of the basic insurance amount respectively. However, this Lexiang Health 202 1 is paid at 25% of the basic insurance amount every time. These two products have different characteristics in the proportion of minor illness compensation.
4. Comparison of other guarantees
However, Happy Health 202 1 has no other guarantee. However, health insurance C6 insurance provides 15 kinds of children-specific diseases, and can pay an additional 100% of the basic guarantee, but the payment age is limited to 18.
In addition, C6 medical insurance also includes insurance premiums for special diseases or deaths of adults. If the insured dies at the age of 18-60 due to accidental injury, the insurance company will pay the insured 50% of the basic insurance money in addition to the serious illness insurance money or death insurance money.
To sum up, the coverage of health insurance C6 is more comprehensive than that of Lexiang Health 202 1, but the premiums of these two products are relatively expensive and the cost performance is not very good.
If you need a comprehensive and low-cost critical illness insurance, you can choose from this list of critical illness insurance compiled by senior sister:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
2. Which company is stronger, Xinhua Life Insurance or Taikang Life Insurance?
1. New China Life Insurance
Xinhua Life Insurance was established in September, 1996, and its headquarters is in Beijing. It is a national professional large-scale listed life insurance enterprise. Xinhua Life Insurance was listed on the Shanghai Stock Exchange and the Hong Kong Stock Exchange at the same time on 20 1 1, and has been listed in the Fortune China and Forbes 500 for many years, with strong assets.
The main shareholders of Xinhua Life Insurance are central huijin Investment Co., Ltd. and China Baowu Iron and Steel Group Co., Ltd., backed by wholly state-owned companies and central enterprises, which are quite reliable!
2. Taikang Life Insurance
Taikang Life Insurance was established in August, 1996, and its headquarters is in Beijing. Is a national, joint-stock life insurance company with a registered capital of 3 billion yuan. Won the "Best Life Insurance Company of the Year" and ranked124th in "Top 500 Chinese Brands in 2020", which has a good brand influence.
Taikang Life Insurance has 36 branches in China, covering all provincial administrative units in Chinese mainland, with a marketing team of more than 700,000 people, serving 6.5438+58 million individual customers, and making 4.63 million claims with a compensation amount of 30.6 billion yuan. It has an extensive sales network.
On the whole, Xinhua Life Insurance and Taikang Life Insurance were founded at the same time, but Xinhua Life Insurance is stronger than Taikang Life Insurance. Friends who are interested in Xinhua Life Insurance, choose this article to read:
"Xinhua life insurance, ok? The secrets of the company and products are all in this article! 》
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