When choosing critical illness insurance, we often see that in addition to the main insurance, various additional risks can be attached. At present, several common additional risks include applicant exemption, death liability, secondary compensation for malignant tumor, additional risks for special diseases for men and women and so on. Today, let's talk about whether these additional options are worth choosing.
Before we begin, we should make clear the criteria for judging whether it is worthwhile: first, how about additional option protection? Second, how much has the premium changed after adding additional options? Is it more cost-effective to buy the same protection as the additional insurance separately?
1. Secondary compensation of malignant tumor
Let's talk about protection first: to judge whether the protection of secondary compensation for cancer is good or not, we need to look at two points. First, the payment interval. At present, products containing secondary compensation for cancer have long and short intervals. I suggest you try to choose products with short intervals. Because if the survival time after treatment exceeds 5 years, and there are no signs of recurrence, it can be regarded as cure, and the longer the interval between secondary payments, the lower the effective rate. Second, the scope of compensation. Some products exclude the recurrence and metastasis of the original cancer and only pay for the new cancer, which narrows the scope. Also read the terms clearly. It is best to choose products that can pay for new, persistent, recurrent and metastatic cancers.
Look at the changes in premiums:
We can see that after the second payment for cancer is added, the premium will change by 500- 1000 yuan. We can't judge the increase of premium alone. Let's compare the premiums of cancer insurance purchased separately:
From this point of view, the four products in the above picture are very cost-effective in the payment of cancer additional insurance.
Summary: Cancer is difficult to cure mainly because it is easy to relapse and metastasis, so cancer needs a second payment. If the guarantee is good (short interval and wide range of compensation), the premium will be increased within a reasonable range, which is still worth adding.
1. Exemption of the insured
General critical illness insurance comes with the exemption responsibility of the insured's minor/severe illness, while the exemption of the insured exists as an additional option, which requires an extra part of the premium.
Generally speaking, parents can only choose when they insure their children. After increasing the exemption liability of the insured, the premiums of several products in the above figure have increased by about 200 yuan, which is not much, and most people can accept it.
Summary: The policy holder's exemption responsibility is generally considered as the mainstay of the family economy. When buying insurance for children, spouses and parents, you can consider adding policyholder exemption.
1. Other gender-specific diseases
Generally speaking, most male and female specific diseases of critical illness insurance actually refer to specific cancers, which will cover about ten kinds of cancers. According to gender, men and women contain different types of cancer. If the specified cancer occurs after such protection, you can get the agreed additional compensation, and the agreed proportion of most products is 30-50%.
Take Kunlun Health Insurance as an example. For a 9-year-old boy, the insurance coverage is 500 thousand until he is 70 years old. If the payment is made for 30 years, the annual premium will be 1.640 yuan, plus adult-specific diseases, male 1.3 kinds of malignant tumors and female 8 kinds of malignant tumors, and 50% of the basic guarantee will be paid additionally. Annual premium 2 1.70 yuan.
Summary: Male and female-specific diseases cover male and female-specific malignant tumors as agreed in the contract. If the premium is raised to more than 65,438+0,000 yuan, it is better to buy a critical illness insurance or a special cancer insurance that only takes care of diseases, and the protection will be better. If new products are introduced in the future, you can also make a rough calculation first. If this part of the cost of new products in the future has great advantages, it can still be considered to join.
Write it at the end
When we analyze additional risks, we can compare the premium with similar products that can be purchased separately in the market. The premium of additional insurance may be more expensive than buying it separately, but it can help us simplify the process of insurance, renewal and claim settlement. We should make rational choices according to the budget and demand. I want to remind you that additional risks only play a supplementary role. You can't buy the main insurance for the sake of additional insurance, and you can't give up the basics.