Not only is the company famous, but the products of these two companies are also very popular with everyone!
Many friends have left messages for senior sister backstage, saying that senior sister should evaluate who sells better.
As for the content of the competition, Senior Sister has finished it today. Let's compare Xinhua Life Insurance's Healthy C6 with AIA's Happy Edition, which is better!
Before that, Xue Xuechang sent you an insurance guide for critical illness insurance. With this secret weapon, it can be said to be unparalleled. Please look carefully:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."
First, be healthy and worry-free. Who is more considerate in terms of insurance conditions?
Before this, the senior sister took out the comparative protection map of these two products for everyone to know first:
The first game, insurance conditions PK, who is the intimate "housekeeper" title of the insured? Look at this ring!
The four aspects of insurance age, guarantee period, payment period and waiting period are actually insurance conditions; Among them, the guarantee period and payment period of these two products are the same.
Therefore, in this competition, we mainly focus on two issues, one is the insurance age, and the other is the waiting period:
1, insurance age PK
People aged between 30 days and 60 can apply for c6, but only people under 55 can apply for 18. It can be seen that the age limit of healthy and worry-free c6 is relatively loose.
For the elderly, it is difficult to buy a suitable critical illness insurance product. This setting of the friend Ruyi Shunxin version limits the insurance age of the elderly and is not very friendly ~
Not only that, 18 years old is the lower limit of this insurance, and minors have lost the opportunity to apply for insurance.
In short, the age limit for friends to be insured by Ruyi Shunxin Edition is quite strict, and the result of this game is to be healthy and worry-free without thinking.
2. Waiting Time PK
You know, if there is an insurance accident during the waiting period, the insurance company will refuse to pay.
Therefore, if the waiting period is short, the insured can get protection faster, which is more beneficial to the insured.
Who has a shorter waiting period? The waiting period of Healthy and Worry-Free c6 is 180 days, while the waiting period of Youshang Ruyi Shunxin Edition is only 90 days. In contrast, a healthy c6 is 90 days longer!
In this way, the healthy and worry-free c6 can't enjoy the guarantee for twice as long as the Friends Happy Edition! This is very disturbing.
So, don't think that this waiting period is not important, but pay attention to the friends who have mastered this knowledge:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
Friends of this game are very happy to turn the tide and win!
At this point, the insurance condition PK is over, and the two products are not satisfactory in different aspects.
Don't worry, let's take a look at the guarantee content of these two products first and see if we can regain our confidence!
1, critical illness protection PK
One-time payment is a critical illness payment method set by c6 Health Insurance, and the maximum payment is made from the insured amount, premium and cash value. Only 100% of the basic insurance amount can be paid at most.
And basically, most of the critical illness insurance on the market provides 60% and 100% extra compensation, which is simply impossible to see and people have no expectations.
Compared with Friends and Businessmen Happy Edition, the compensation ratio is set with ulterior motives.
Before the insurance policy 10 year, the basic insurance amount will be increased by 2% every month when the sports meet the standard, with a cumulative maximum increase of 50%.
At first glance, 50% extra compensation, what a big figure, is inevitably exciting.
It should be noted that in order to obtain this extra compensation, certain conditions need to be met. Let's see what the conditions are.
The first condition we should pay attention to is time, and the extra payment must be 10 years before the policy. After this time, we can't get extra admiration.
Secondly, it is necessary to meet the sports standards and meet the two conditions of time and sports at the same time, in order to obtain the monthly insurance amount of 2%.
It takes a lot of free time to reach the standard of sports. Everyone's free time is not fixed, but the standard cannot be changed. Even if the exercise schedule is made, everyone will face emergencies and it is easy to disrupt the plan. How confident are we to achieve this goal?
From the health point of view, the setting of sports events is obviously worthy of recognition, but when it is used as an additional indicator to increase the difficulty of compensation, there are too many uncertain things, which is embarrassing and cannot guarantee that everyone can get compensation.
Therefore, a friend's wishful version cannot be described as "simple"!
However, it has more than one problem, so you must not choose this product by mistake because you don't have a comprehensive understanding. The following shows its multiple disadvantages:
What are the disadvantages of AIA's "friends go your way" that you don't know? Look before you buy it! 》
But it's better to compare the two versions. After all, it has an extra charge, which C6 Medicare didn't even mention.
2. Protection pk for mild and moderate diseases
Coincidentally, the degree of compensation for mild and moderate diseases of Healthy c6 is even more disappointing to senior students, and the proportion of compensation for mild and moderate diseases is only 50%. The weak protection is mild illness, and the first time suffering from mild illness is only 20% of the basic protection quota.
Compared with most critical illness insurance in the market, it can only barely reach the middle level; This compensation can't give patients a sense of security!
There are three compensation schemes for mild and moderate diseases in Friends Ruyi Shunxin Edition, and the compensation intensity of medium-term schemes A and B is also lower than the market average; However, the payment of its plan C is still satisfactory, which can provide strong economic security for patients.
In fact, on the whole, the protection content of Friends Ruyi Shunxin Edition is better than that of Healthy c6, but these two editions are not the only choice.
With this guarantee, the premium is still very high, more than 10 thousand yuan! The cost performance can't be lower. ...
We must understand that there are many excellent seriously ill products on the market, which not only guarantee more than this, but also cost three or four thousand less! The less money can be used in many places!
Therefore, the products of "network celebrities" can't be bought casually, and you can't believe it just because the company is famous, which is easy to suffer.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!