Worry-free Health A is a consumer regular critical illness insurance. If you are unfortunately sick during the guarantee period, you can get a claim. If you are not out of danger, the money will be regarded as nothing.
Worry-free health c is life-long critical illness insurance. Even if there is no risk accident in life, the beneficiary can get the basic insurance amount after the death of the insured.
So a is cheaper and c is more expensive.
In addition, the responsibility to protect is basically the same. I'll give you a detailed introduction to paragraph C, and you'll probably get an idea-
Worry-free C 1 is a product of Xinhua Life Insurance, which has two versions: the youth version and the adult version. Let's briefly analyze the advantages and disadvantages of these two versions. For detailed and in-depth evaluation and analysis, please see: 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 in groups. Let's start with the adult version.
The adult version does a good job in these aspects:
1. In the first ten years of the guarantee period, anyone who is diagnosed with serious illness or death can pay 120% of the basic guarantee amount.
2. If you unfortunately get one of the six specific serious diseases within the prescribed scope, you can get 20% extra compensation from the insurance company.
Its disadvantages are:
1, low cost performance: general guarantee and high price. The premium is about 65,438+0,000 yuan, and you can purchase multiple critical illness insurance with more comprehensive protection.
2, a good critical illness insurance, the amount of compensation for mild illness is at least 30%. It cost more than 1000 yuan, and as a result, the proportion of minor illness compensation is not as high as other cheap products, which is really not worth it.
Let's talk about the juvenile version.
Its highlights are:
1, comprehensive disease protection: both severe and mild diseases are guaranteed, and some serious diseases can be paid an extra 20% of the insured amount. .
2. The specific serious illness of teenagers has been increased: if you get sick before the age of 30 and meet the conditions of serious illness of special diseases of teenagers, you can get 200% compensation.
Disadvantages are:
1, another point is that its payment term is only 20 years at the longest, and its leverage is relatively low.
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.
However, the premium is really high. The adult version costs 1 tens of thousands, which is not affordable for all families. 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. If you want cheap and practical critical illness insurance, you can read this article: Top Ten Insurance Companies' Hot Critical Illness Insurance Inventory!