However, China Life's critical illness insurance is more expensive. If you don't pursue the brand of big companies, other insurance companies also have many cost-effective products worth choosing. Click here to see more products: the latest list of critical illness insurance: compared with the whole network 186 critical illness, which ones are worth buying?
Below, we will take China Life's "network celebrity" product-China Life Insurance Fu Series as an example to talk about this product:
1, from a security point of view.
First of all, both adult and children's national life insurance products can be guaranteed for life, including 500,000 death insurance. This means that after buying it, you can pay 500 thousand after death, whether you are sick or not.
Moreover, each product contains additional compensation guarantee for serious diseases, moderate diseases, minor diseases and specific serious diseases.
The guarantee looks comprehensive, but compared with those products with high cost performance on the market (60% for moderate diseases and 30% for mild diseases), the proportion of compensation for moderate diseases is not high, only 50% for moderate diseases and only 20% for mild diseases.
In addition, many products on the market will design optional protection for the secondary compensation of high-incidence cancer and cardiovascular and cerebrovascular diseases, while China Life's series products do not have these two guarantees.
Therefore, as far as the content of national life insurance is concerned, it does not have a particularly great advantage.
2. From the perspective of premium.
Take children's critical illness insurance as an example. 0-year-old baby buys critical illness insurance, with a coverage of 500,000 yuan, lifetime guarantee and 20-year payment. The premium is nearly 6000 yuan.
Take a 30-year-old male as an example. Buy 500 thousand insurance, guaranteed for life Pay in 30 years, and the premium is more than 10000.
Whether it is critical illness insurance for children or adults, the price of China Life Series is not cheap. In contrast, there are many cost-effective critical illness insurance products on the market.
Pay attention to insurance, 1 free consultation 1, take a professional, objective and neutral attitude, choose products with higher cost performance for you, and buy insurance easily!