There are many insurance companies in the insurance market that provide critical illness insurance. Among them, Xinhua Life Insurance was noticed by a small partner, so I asked my senior sister for advice, hoping to know something about the critical illness insurance of this insurance company. Then the senior will help you further analyze it through a critical illness insurance of Xinhua Life Insurance.
If other small partners want to know about the insurance company Xinhua Life Insurance, they can poke the link to view it directly:
"Xinhua life insurance, ok? Big secret of the company! 》
1. How about Xinhua Life Insurance's exclusive critical illness insurance?
Just some time ago, Xinhua Life Insurance launched a health and worry-free version of critical illness insurance, which caused quite a stir on the Internet. Let's take it as the object of some evaluation.
Before analysis, look at the protection form diagram of the health care exclusive edition:
What we can observe from the protection map is that this healthy and worry-free edition of Xinhua Life Insurance has a relatively complete basic protection, and its performance in many protection contents is very eye-catching:
1, the insurance age is female-friendly.
Regarding the age of insurance, the exclusive edition of Xinhua Life Insurance has different settings for men and women. The insurable age of men is 65,438+08 to 59 years old, and that of women is 65,438+08 to 60 years old.
Compared with most critical illness insurance products, the maximum insured age can't exceed 55 years old, while the health care exclusive version is relatively loose. The maximum insured age for women is one year older than that for men, which shows that this product is more friendly to women!
2, there are specific disease care insurance protection.
The advantage of Worry-Free Health Premium Edition is to provide care insurance for adults in case of accidents, specific diseases or deaths.
People before 6 1 are still busy. For the age with busy household chores, you can enjoy the protection of 15 kinds of adult accidents and death care by insuring 500,000 insured health and worry-free edition.
If the insured is under the age of 6 1 year, and is infected with a special disease for some reason, Xinhua Life Insurance will pay an additional amount of 100% in the basic insurance, with a total amount of 1 10,000, so that family members do not have to worry about money and patients can get better medical technology.
However, the health protection special edition of Xinhua Life Insurance still has the following defects:
1, long waiting period
The waiting period of excellent critical illness insurance in the market is 90 days, while the waiting period given by the exclusive version of health care is relatively long, which is actually 180 days. If the insured suffers from serious illness during this period, there is no way to get compensation to treat the disease.
2. There is no extra compensation for intensive care.
The exclusive version of critical illness insurance for health care of Xinhua Life Insurance is based on the larger value of the insured amount and cash value, which looks better. However, in the first few decades when the policy came into effect, it was very unlikely that the cash value would become higher, which was actually worse than those critical illness insurance under 60 who could get extra compensation if they were seriously ill.
3. The proportion of minor illness compensation is low.
Although Xinhua Life Insurance's exclusive version of critical illness insurance has paid for minor illnesses many times, if it is the first time to pay for minor illnesses, it can only enjoy 20% of the basic insurance coverage. For the insured, the compensation at that time may be less.
Second, is it cost-effective to buy the health and worry-free exclusive version of critical illness insurance of Xinhua Life Insurance?
It is not difficult to see that although there are some bright spots in the exclusive health protection content of Xinhua Life Insurance, the defects are also obvious, such as no extra payment for serious illness and low payment for minor illness, which makes this protection too poor when taking risks in the future.
What is even more unreliable is that 30-year-old men and women are insured for 500,000 yuan for 30 years, and the premium will actually be 1 10,000! Therefore, the pursuit of cost-effective friends may not be suitable for buying this product.
After reading the above analysis, we can see that the protection of this healthy and worry-free exclusive version of Xinhua Life Insurance is not very ideal. You might as well look at its security content analysis:
Xinhua Healthy Worry-Free Edition I want to tell you its cost performance. ...
There are still many critical illness insurances with abundant guarantees and strong solvency in the market. Comparatively speaking, the premium of Xinhua Life Insurance Health and Worry-Free Premium Edition is still more expensive.
Senior sister still suggests that friends who want to buy critical illness insurance can compare the products of other insurance companies, and there will be the possibility of finding critical illness insurance products with better cost performance!
Assuming that you have little free time and can't find a cost-effective critical illness insurance, you can choose any one of the ten high-quality critical illness insurance, and you will find a suitable one:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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