How about Xinhua Life Insurance Healthy Worry-Free C?

With the development of society, people's insurance awareness is getting stronger and stronger. In the past, everyone was required to buy insurance. Perhaps the most acceptable insurance for the public is accident insurance. After all, it's cheap, and everyone feels that the money is wasted, so they are not so distressed. But now people, the concept of insurance is very different from before, now if you buy insurance. Your first thought may be critical illness insurance. Today, I come to study with you. How about this healthy and worry-free C of Xinhua Life Insurance Company?

Worry-free Health C is a critical illness insurance produced by new china life insurance co Co., Ltd., whose full name is Worry-free Health C critical illness insurance. However, this insurance is the old generation now, but there are still a series of insurance types because of worry-free health. Let me start with the first generation, so that we can understand and compare later.

Worry-free Health C is a critical illness insurance introduced by Xinhua Life Insurance Company about two or three years ago. The minimum subsistence allowance is 50,000, and the insurance period is lifelong, which means that the insured can enjoy lifelong protection from the date of insurance. There are four different payment methods for insurance: 5 years, 10 years, 20 years and 30 years. For men aged 44 and above, there are only two ways to insure: 5 years and 10 years. Women will not encounter this situation until they are over 50 years old. This is because at this age, people will enter a period of high incidence of diseases, and insurance companies will bear huge economic risks. For the insured, the shorter the payment period, the higher the annual fee.

Worry-free health c This insurance starts from the date of underwriting and the observation period is 180 days. /kloc-if any disease is found within 0/80 days, the insurance company will not be responsible for it, so as to prevent the occurrence of insurance or fraudulent insurance.

In the scope of protection, Health Worry-Free C covers 15 kinds of mild diseases and 60 kinds of serious diseases. Pay for mild diseases first, and pay 20% of the insured amount, and the total insured amount will not be affected. In case of serious illness, as long as it is diagnosed and within the scope of the contract, you can get full insurance coverage. During the whole guarantee period, if the insured dies, whether it is an accident or an illness, he can get full compensation.

But what I want to tell you here is that the first generation of health-free C-type critical illness insurance, if it is insured by adults, can only be insured by themselves. In other words, between husband and wife, one party can't buy it for the other. Between parents and children, it is not a substitute for buying.