Let's start with a collection of wishful life guardians and Darwin 3, and fight each other left and right; Then there will be a "Super Mary 3 Max", a confrontation between the three armies. That's great, completely kill the difficulty of selection.
These three products are mostly consulted in the background these two days, so Zhu Baojun will help you make a decision.
Today, Zhu Baojun first introduces Darwin 3 to everyone.
The basic situation of Darwin 3
Darwin 3, can be said to be a comprehensive upgraded version of Super Mary 2 max, with obvious improvement in supportability and practicality.
Let's list them one by one:
1 and 80% extra compensation for serious illness before the age of 60.
The extra payment of critical illness insurance can be said to be the most practical guarantee innovation in mainstream critical illness insurance.
Super Mary 2 Max's 60% extra payment ratio is already the top match in critical illness insurance, but Darwin 3 has gone up again, reaching 80% directly. If you buy 500,000 insurance, you can lose 900,000 if you get seriously ill before you are 60. It's really crazy.
According to this trend, "double payment" products will appear sooner or later.
2. Secondary compensation for apoplexy sequela.
Super Mary 2 max added the second compensation for severe stroke (optional), which has caused an uproar.
This time, Darwin 3 directly added the secondary compensation of stroke to the middle disease, which lowered the threshold of secondary compensation of stroke.
As I said before, moderate/mild stroke accounts for the bulk of small claims, and its status is equivalent to cancer in a serious illness.
Moreover, strokes are prone to multiple attacks, and the recurrence probability is extremely high. Therefore, compared with other mild/moderate diseases, the secondary compensation for strokes is more practical.
It should be noted that the interval between two strokes is one year, and the second stroke needs to be a new stroke, which is only a continuation of the sequelae left by the first stroke and cannot be paid twice.
3. Mild new myocardial infarction/minimally invasive coronary artery bypass grafting/minimally invasive coronary intervention
Myocardial infarction, minimally invasive coronary artery bypass grafting and coronary intervention are the three most common mild cardiovascular diseases, and the probability of secondary compensation is relatively high.
Take coronary intervention (mild) as an example. Interventional therapy is one of the most common treatments for cardiovascular diseases, mainly by placing stents to reopen blocked coronary arteries to ensure blood supply to the heart.
The long-term contact between stent and blood has a probability of 10%. In this case, it is necessary to intervene again, which is the significance of secondary compensation for mild cardiovascular diseases.
Here, for the second and third upgrade points, Zhu Baojun should emphasize one point: compared with other similar mild cardiovascular diseases, the probability of repeated payment is indeed higher. However, in vertical analysis, repeated claims for mild and moderate diseases are still small probability events.
First of all, on the whole, the probability of payment for serious illness is much higher than that for mild illness. If a serious illness is diagnosed, all the guarantees for mild and moderate diseases will be invalid, and there is no way to make repeated claims for mild and moderate diseases.
Secondly, it is unlikely that the same mild illness will occur twice. Take stroke as an example: the sequelae caused by stroke are usually polarized.
The probability that a stroke will eventually reach the standard of serious illness and not reach the standard of compensation for minor illness is much greater than that of only reaching the standard of minor illness. Therefore, it is not as easy to have two strokes as many people think, both of which are moderate standards.
Zhu Baojun emphasized this point only to let everyone look at these guarantees objectively, rather than completely denying them. The secondary compensation with high incidence of mild cardiovascular diseases is more practical (compared with other mild/moderate diseases, such as stroke and myocardial infarction, the possibility of repeated compensation is greater), but it is not absolutely practical (the probability of repeated compensation for mild diseases is lower).
4. Cancer/cardiovascular secondary compensation is 150%.
When the second compensation for cancer and cardiovascular diseases was just "born", the compensation ratio was 100%. Later, many mainstream products increased the proportion of secondary compensation to 120%, and Super Mary 2 max was one of them.
Darwin III reached a new high, directly raising the proportion of secondary compensation to 150%.
I'm really willing to pay for it.
On the whole, Zhu Baojun thinks that the most practical upgrade point is to increase the proportion of extra compensation for serious illness: 80% of extra compensation for serious illness before the age of 60 can be really obtained.
Secondly, the proportion of secondary compensation for cancer has increased. Cancer is the most likely disease to be lost twice at present. It is also practical to increase the intensity of secondary compensation.
Third, the proportion of compensation for serious cardiovascular diseases has been increased, and the secondary compensation for high-risk and mild diseases has been increased. Although the probability of use is not as good as that of secondary compensation for cancer, it is also a high-risk disease and relatively practical.
Summary of Zhu Baojun
Generally speaking, Darwin III's various guarantees are the best collocation of the market, which combines Excellence in one. Hard to open a street similar to the critical illness insurance products!
Although the rate is slightly higher than that of similar critical illness insurance, adequate protection is still worthwhile.
Critical illness insurance, once bought, guarantees for decades or even a lifetime. Whether you will get sick or not is a lifetime probability.
Buy social security to accumulate the most basic money for old-age medical care, and if possible, buy four major commercial insurances, so that major risks encountered in life can be better transferred.