1, basic security responsibility: choose consumer critical illness insurance to protect personal health. Therefore, when choosing consumer critical illness insurance, we must pay attention to its basic guarantee responsibility. Only the consumer critical illness insurance with complete protection responsibility can bring the most comprehensive protection.
2. Payment period: The longer the payment period of critical illness insurance, the better. At the same price, the shorter the payment period, the more premiums you need to pay each time. If the payment period is longer, the premium to be paid each time will be less. Therefore, we should try to choose consumer critical illness insurance with a payment period of 30 years, which can greatly reduce the economic burden.
In addition, the specific optional products of consumer critical illness insurance are as follows:
1, Super Mary 3 Max: It is a critical illness insurance product under Xintai, and its cost performance is very high. The main feature of this product is the basic guarantee responsibility. Critical illness protection: including 1 10 critical illness, with compensation 1 time. If the insured is diagnosed for the first time at the age of 60 and below, he can pay an additional 80% of the insured amount; The compensation for serious illness is very strong. Traditional Chinese medicine guarantee: including 25 kinds of traditional Chinese medicines, 60% of the insured amount will be paid twice, without grouping. If the insured is diagnosed before the age of 60, additional compensation will be paid 15% of the insured amount; The compensation rate for diseases in China is also quite high. Mild illness protection: 50 kinds of mild illness are included, and 45% of the insured amount is paid in three times regardless of components. If the insured is diagnosed before the age of 60, an additional amount of 10% will be paid. Second compensation for early cancer. Other guarantees of this product are also very rich, including secondary compensation for cancer, secondary compensation for specific cardiovascular and cerebrovascular diseases and death protection.
2. Kanghuibao 2.0: It is a consumer critical illness insurance product under the Centennial Life Insurance Company. The upper age limit of this product is 50 years old. It can cover 1-6 occupational groups with wide coverage. Compared with other critical illness insurance, the waiting period is 180 days. In terms of critical illness protection, it includes pre-illness protection, which is not available in other critical illness insurance products. Mild illness protection can pay up to 50% of the insured amount, which is also quite good. There are few other guarantees for this product. Only the second compensation of cardiovascular and cerebrovascular diseases and the choice of death protection are available. Generally speaking, it is also a relatively good product.
3. Kangruibao: It is a critical illness insurance product under Ruihua Health. This product is cost-effective and cheap among similar products. 30% extra compensation for serious illness before 40 years old 10 years; You can choose to protect yourself until you are 70, or you can choose to protect yourself for life. You can attach death and special diseases freely and choose flexibly. The recommended budget is limited, and I want to ensure that 70-year-olds buy it. In addition, there are many restrictions on the insured amount of this product. People over 30 can buy insurance until they are 70. Minor ailments will be paid for up to 20 years, and the cash value will drop to zero.
4. Jiahebao critical illness insurance: Jiahebao has the lowest rate for men in the market. For those who have suffered from serious illness in the previous 15 years and have reached the age of 50, they can pay an additional 50% of the insured amount; Mild and moderate diseases are compensated three times respectively, and the proportion is very high. Moreover, it is more tolerant to lend medical insurance cards, and you can buy them directly by swiping your card at a pharmacy. However, the shortage is that there is a lack of "chronic renal failure" with high incidence and mild symptoms, and men who don't mind can buy them, which is more cost-effective.
5. Dear No.2 critical illness insurance: this product has the strongest cardiovascular protection, with critical illness 1 time, including 5 cardiovascular diseases, and the second payment can be100%; Pay 3 times for mild diseases, including 5 kinds of cardiovascular mild diseases, and pay 30% of the insured amount for the second time. At the same time, it can increase the cancer allowance. After cancer 1 year, those who are still receiving cancer treatment, follow-up or review can get 20% of the annual treatment allowance for 3 years. Suitable for people with high cardiovascular risk, such as overtime, obesity and long-term anxiety and depression.
Test your anti-risk index, and experts will interpret it for you for free!