These two products have their own advantages. China Life is a one-time payment of 20%* 1 time, with no total disability and no terminal period. A healthy life is to pay 20%*5 times for minor illness, with total disability and terminal stage. In contrast, according to the statistics of 48 kinds of seriously ill products, the premium is from low to high, ranking 25th, the rate is still relatively high, and healthy life ranks 8th. Both of the above products have the function of exempting the insured from minor illness. Compared with the two, a healthy life is better. But healthy living in 20 16 is a product with high cost performance, but at present, there are many products better than him. For example, Evergrande Life Insurance (100 serious diseases, 50 mild diseases), Tianan Life Insurance, Tongfang Global, ICBC AXA, etc. Expensive insurance is not necessarily better than cheap insurance, and big brands are not necessarily better than low reputation. According to your own needs, choose the most cost-effective insurance that meets the requirements.
Now the insurance will have a birthday certificate, which means that the payment before the birthday will be more favorable than usual, as long as it is handed over to the insurance company before the birthday, according to the payment date. Every insurance company has different requirements for physical examination, some are 200,000, some are 300,000 and some are 400,000, so this question depends on the requirements of specific insurance companies.