First, there are many diseases, with severe diseases 100 and mild diseases of 50. If there are more than 60 kinds of serious diseases, the composition of "Shantou" will be high, but it should be said that it is mild. At present, the average level of mild diseases in the market is above 20, and it is indeed an advantage to expand the Great Wall to 50, because mild diseases are easier to get claims than diseases;
Secondly, when the product is insured, you can choose one of the three time points of 70, 75 and 79 to receive the birthday bonus (the birthday bonus is 100% of the premium paid), and all the guarantees will not be affected after receiving the birthday bonus.
At present, there are the most diseases on the market, and life-long critical illness insurance is more comprehensive. Relatively speaking, the cheapest is the health source of Tianan (severe illness 80, mild illness 35). Compared with healthy life, health source has lower insurance premium, but no birthday bonus. So how should we choose between the two? Bian Xiao Today clearly shows you the difference between the two.
Take a 30-year-old male with 65,438+10,000 insured amount and 20-year payment as an example. If you insure the Great Wall Health Source and Healthy Life (choose to receive the birthday bonus at the age of 70), the payment of the Great Wall is 3040 yuan/year, and the Tianan Health Source is 2276 yuan/year. How should we treat such a gap?
The Great Wall is 33.57% more expensive than Tianan. Then what is the concept of converting this gap into insurance coverage? Spend the same premium, for example, Tianan also pays 3040 yuan/year, and the amount of critical illness insurance for that day can buy 654.38+0.34 million.
Specifically, which product is relatively more advantageous can be divided into the following two situations:
(1) In case of serious illness or death before the age of 70, Tianan can compensate134,000 yuan, Great Wall100,000 yuan, and Amdo lost 34,000 yuan that day;
(2) In case of serious illness or death after the age of 70 (mild illness does not affect the life insurance payment), Great Wall can refund the premium paid for 20 years, 3040 yuan a year and 60800 yuan for 20 years.
To sum up, for the same premium, Tianan can pay 34,000 more for a serious illness before the age of 70, and Great Wall can pay 60,800 more for a serious illness after the age of 70. How to choose specifically? Think about it.
If you think there is a 30-40% chance that you won't get seriously ill before the age of 70, it must be the Great Wall, because the overall income is more;
If you are seriously ill, choose Tianan's or choose regular insurance. In the final analysis, the choice of insurance products should match our needs.
Then from an absolute point of view, Great Wall products have one feature that everyone should pay attention to:
1. Bian Xiao roughly calculated that there are three options for receiving birthday gifts: 70 years old, 75 years old and 79 years old. If all of them have been paid for 20 years, and men choose to receive the birthday payment at the age of 40, the premium will be upside down (upside down means that the total premium is greater than the insured amount). 40-year-old male, with annual premium of 565438+.
2. If you choose to receive the birthday payment at the age of 75, the premium will be upside down when men are 44 years old and women are 45 years old;
3. If you choose to receive the birthday bonus at the age of 79, then the premium will be upside down when men are 46 and women are 48.