Interested parties can have a look.
Answer your question. Health insurance c is critical illness insurance, dear, medical insurance is reimbursed, and it is two completely different insurances. Let me tell you in detail what the healthy and worry-free C model can do, and what are its advantages and disadvantages ~
Worry-free C 1 is a product of Xinhua Life Insurance, which has two versions: the youth version and the adult version. Next, let's briefly analyze these two versions. For a more in-depth analysis, please click on the original text: What about China Life? Do you have any insurance recommendations?
As usual, look at the guarantee content first: (see the picture below)
In order to show the characteristics of these two versions more clearly, we will explain them in modules, starting with the adult version.
It is more attractive:
1. As long as you are unfortunately diagnosed with serious illness or death in the first ten years, Xinhua Life Insurance Company will give you an extra 20% of the basic insurance coverage.
2. People suffering from six specific serious diseases can get the basic security of 120%.
Its disadvantages are:
1, low cost performance: general guarantee and high price. A single payment of 1 for critical illness insurance costs 1 more than ten thousand, which is not acceptable to every family.
2. The amount of compensation for minor illness is very small. At present, the amount of compensation for serious illness insurance and minor illness in the market is basically 30% of the basic insured amount. The compensation for minor illness of this product is only 20% of the basic insured amount. Seriously, it's not worth it.
Let's analyze the youth edition.
Its highlights are:
1, the coverage is comprehensive, and both severe and mild diseases are guaranteed. If a specific serious illness is diagnosed, an additional 20% of the basic insurance amount can be paid.
2. Increase the specific serious illness of teenagers: If you suffer from a disease that meets both the specific serious illness of teenagers and the serious illness of teenagers before the age of 30, the insurance company can give you 200% protection.
Disadvantages are:
1, the leverage is not high, the payment period can only be 20 years, and there is a waiting period of 180 days.
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.
It's just a little expensive The adult version of the single payment of critical illness insurance can be comparable to the price paid many times in the market. Children's version or even 0-year-old children buy 500 thousand insurance coverage and pay 6400 yuan every year.
Large budget can be considered. The pursuit of cost-effective friends, it is recommended to compare other products, you can refer to my this.