Interested parties can have a look.
Yes, but only for severe Kawasaki disease. You need to reach a certain state before you can pay. If you have any questions about the product, the following is a detailed description of the product:
Worry-free C 1 is a product of Xinhua Life Insurance, which has two versions: the youth version and the adult version. Let's make a simple analysis of these two versions. If you want to see a more comprehensive analysis and evaluation, you can click here to see the original text: How about China Life? Do you have any insurance recommendations?
As usual, look at the guarantee content first: (see the picture below)
Let's explain it alone. Let's start with the adult version.
The adult version does a good job in these aspects:
1, as long as you meet the conditions of being diagnosed with serious illness or death in the previous ten years, you can get the guarantee of 120%.
This insurance also stipulates that if you are unfortunately suffering from one of six specific serious diseases such as brain cancer, you can get 20% extra compensation.
Its disadvantages are:
1, low cost performance: general guarantee and high price. The annual premium of 65,438+0,000 is really unacceptable for ordinary families.
2. The proportion of minor illness compensation is low: the average proportion of minor illness compensation in many critical illness insurances on the market is 30%, and some products can pay 45%, 50% or even higher. . Spent more than 1 000 yuan, and as a result, the amount of minor illness claims did not reach the average market proportion, which was a loss.
Let's talk about the juvenile version.
Its highlights are:
1, the protection is quite comprehensive, and specific critical illness protection has been added. If you are unfortunate enough to get a serious illness, you can get an extra 20% basic security.
2. The specific serious illness of teenagers has been increased: if you suffer from a specific serious illness of teenagers before the age of 30 and meet the type of serious illness, you can get double insurance coverage.
Disadvantages are:
1, its payment period is very short, the longest 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 the price is not particularly ideal, it is too expensive. Not all families can afford the adult version. Children's version or even 0-year-old children buy 500 thousand insurance coverage and pay 6400 yuan every year.
The budget is sufficient, and those who prefer Xinhua can consider it. Friends who don't have enough budget can read this article: Inventory of Top Ten Insurance Companies' Hot Critical Illness Insurance!
The cost-effective critical illness insurance is all here.