Worry-free C 1 is a product of Xinhua Life Insurance, which has two versions: the youth version and the adult version. Let's briefly analyze the advantages and disadvantages of these two versions. For detailed and in-depth evaluation and analysis, please see: How about China Life? Do you have any insurance recommendations?
As usual, look at the guarantee content first: (see the picture below)
Let's talk about it one by one, starting with the adult version.
Its advantages are:
1. If you were unfortunately diagnosed with serious illness or died in the previous 10 year, you can get an extra 20% of the basic insurance amount.
2. Those who unfortunately suffer from six specific diseases, such as brain cancer and pancreatic cancer, can get the basic guarantee of 120%.
Its disadvantages are:
1, low cost performance: general guarantee and high price. The price of 1 000 yuan is not affordable for everyone.
2. The claim amount for minor illness is too small. This 20% payment is really a little low, and it is not worthy of the premium of 1 000.
Now let's look at the teen edition.
Its highlights are:
1, the coverage is comprehensive, and both severe and mild diseases are guaranteed. If a specific serious illness is diagnosed, an additional 20% of the basic insurance amount can be paid.
2. Increase the specific serious illness of teenagers: If you are unfortunate enough to have a specific illness of teenagers before the age of 30 and meet the serious illness, you can get double the insurance coverage.
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.
But this premium is really unacceptable. Not just the adult version. Children's version or even 0-year-old children buy 500 thousand insurance coverage and pay 6400 yuan every year.
If you like this brand very much and have sufficient budget, you can consider it. The pursuit of cost-effective friends, it is recommended to compare other products, you can refer to my this.