The main insurance of Xinhua Health Worry-Free C is critical illness insurance, and various products such as medical insurance, accident insurance and term life insurance can be attached. However, in fact, the combined products have low cost performance. If other types of insurance are needed, it is recommended to choose other products with more cost-effective ratio to complete the guarantee.
Let's look at the responsibility to protect health care c:
Worry-free C 1 is a product of Xinhua Life Insurance, which has two versions: the youth version and the adult version. Detailed and in-depth evaluation and analysis are here. Is China Life OK? Do you have any insurance recommendations?
Let's briefly analyze the advantages and disadvantages of these two versions.
As usual, look at the guarantee content first: (see the picture below)
For convenience, let's talk about it one by one. Let's talk about the adult version first
The advantages of the adult version are as follows:
1, 10 years ago, you can pay an additional 20% of the basic insurance amount.
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 price of 1 000 yuan is not affordable for everyone.
2. The amount of compensation for minor illness is very small. At present, the amount of compensation for serious illness insurance and minor illness in the market is basically 30% of the basic insured amount. The compensation amount of this product is only 20% of the basic insurance amount, which is really not cost-effective.
Let's look at the teen edition.
Its highlights are:
1, the protection is quite comprehensive, and specific critical illness protection has been added. If you are unfortunate enough to suffer from a specific serious illness, the compensation rate you get is 120%.
2. The specific serious illness of teenagers has been added: If you have a specific illness of teenagers before the age of 30 and meet the serious illness, you can get double coverage, but the contract will be terminated after the claim is settled.
Disadvantages are:
1, which has low leverage and the longest payment period is only 20 years.
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.
This product is more suitable for people who have enough budget to buy it. Friends with limited budget can read this article: it summarizes some cost-effective products.