Back to your question, Xinhua Health Care C covers 85 kinds of major diseases, including 25 kinds of serious diseases and 60 kinds of additional diseases required by the CBRC, which are summarized as follows:
I'll give you a detailed introduction to Xinhua Health Worry-Free C, and take a closer look at the shortcomings, which 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. The following is an analysis and evaluation specifically for this evaluation: How about China Life? Do you have any insurance recommendations?
You can have a look if you are interested. Let me briefly talk about the advantages and disadvantages of these two versions.
As usual, look at the guarantee content first: (see the picture below)
In order to show the characteristics of these two versions more clearly, we will explain them in modules, starting with the adult version.
The advantages of the adult version are as follows:
1. Anyone who meets the conditions of being diagnosed with serious illness or death in the previous ten years can get an additional 20% basic insurance coverage.
2. It is also possible to get 20% extra compensation for six specific serious diseases such as brain cancer and leukemia.
Its disadvantages are:
1, low cost performance: general guarantee and high price. The premium of 10000 can be the insurance premium price owned by some families.
2. The amount of small claims is very small, and the general amount of small claims is about 30%-40%. This 20% payment is really a little low, and it is not worthy of the premium of 1 000.
Let's look at the teen edition.
Its highlights are:
1, including the protection for specific serious diseases. If you suffer from specific serious diseases, you can get 120% protection.
2. Increase the specific serious illness of teenagers: If you are unfortunate enough to suffer from a specific illness of teenagers before the age of 30, and the disease still meets the serious illness, then you will get 200% compensation.
Disadvantages are:
1, another point is that its payment term is only 20 years at the longest, and its leverage is relatively 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 price is too high. A 30-year-old man will spend more on the adult edition 10000. Children's version or even 0-year-old children buy 500 thousand insurance coverage and pay 6400 yuan every year.
If you don't have high price requirements and like this brand, you can consider buying it. The pursuit of cost-effective friends, it is recommended to compare other products, you can refer to my this.