Basic Analysis of 0 1 Fude Life Times Health 20 19
1.？ Major illness protection:
108 The severe diseases were divided into 5 groups and paid 5 times, and the basic insurance amount was paid.
The key to grouping serious diseases lies in the distribution of high incidence and serious diseases.
Double health and serious illness 20 19 put malignant tumors in the group of large organ transplantation and end-stage renal disease.
Six kinds of high and critical diseases were divided into three groups, and the grouping of severe diseases was unfriendly.
In the case of grouping serious diseases, it is ideal to divide malignant tumors into 1 group as the highest serious disease, and the probability of paying for high-incidence diseases is higher.
2.？ Protection against mild and moderate diseases:
20 kinds of China's diseases are not paid twice by groups, and 60% of the insured amount is paid; 32 kinds of mild diseases are not paid in groups for 5 times, and 30% is paid.
The amount of compensation for chronic diseases reaches 60% of the insured amount, and the degree of protection is good.
10 All kinds of high-incidence mild/moderate diseases are included except severe visual impairment, with high coverage and ideal protection.
3.？ Death liability: the insured dies before 18 years old, and pays 300% of the premium; /kloc-amount of compensation after 0/8 years old.
Many insured persons with critical illness insurance died before the age of 18, and only paid the premiums paid. Shuangjian 20 19 death liability is friendly to the insured.
4.？ Exemption: Shuangjian 20 19 comes with exemption for minor/moderate/severe diseases of the insured, and exemption for death/total disability of the insured due to accidents.
In addition, if the insured amount reaches 300,000 yuan or more, the premium of 1 year can be exempted during the 20-year payment period.
5.？ Additional endowment assurance: endowment assurance can be added to Shuangjian 20 19, and you can receive the full-term survival fund (paid premium) at the earliest age of 55, and the critical illness insurance protection is still valid after receiving it.
Comparison between Fude Life Times Health 20 19 and other products
1.？ Those who pursue high insurance coverage can choose: Jiaduobao of Everbright Yongming.
In the first 10 year from 0 to 50 years old, Jiaduobao's critical illness insurance guarantees 120%, with the highest down payment and sub-payment.
2.？ Consumers who value the second payment for malignant tumor can choose: Perfect Life Premium Edition, Jiaduobao, Beethoven 1, Doubledebe.
These products can choose to pay for malignant tumors twice.
3.？ Friends with low budget can choose perfect life and double exclusive edition.
These two products have the lowest price, comprehensive basic guarantee and high cost performance.
Let me summarize.
Fude Life Times Health 20 19 is well guaranteed, but it is expensive and cost-effective; The longest payment period is only 20 years, and the leverage ratio is not high and the flexibility is not enough.
I think every critical illness insurance will target different groups of people, and the products of big brand companies may not be suitable for everyone.
Especially in the case of limited budget, we can consider products with high cost performance on the market.
In fact, large and small insurance companies are operating in an orderly way and developing day by day under the supervision of the CBRC.
Compared with large companies, small companies often provide better services and more cost-effective products in order to win more customers and accumulate better reputation.
For more knowledge inventory of small insurance companies, you can see my previous article: the latest list! Top Ten Insurance Companies in China