How about Xintai Million Health Critical Illness Insurance?

The reason why the products of large insurance companies are "expensive" is very complicated, such as huge institutions and high costs, high advertising costs, and the burden of high interest rate policies in the early stage. But these are not the point! The key point is the choice of the predetermined interest rate when the insurance contract is drawn up!

Since the end of 20 14, the Insurance Regulatory Bureau has carried out rate reform, and the predetermined interest rate has been raised from the original benchmark of 2.5% to 3.5%. Families can raise the benchmark interest rate according to their own business conditions, with the highest increase range of 15%. That is 4.025%.

So how much difference will this predetermined interest rate lead to in insurance premiums? Take the critical illness insurance as an example, a 30-year-old male, with a coverage of 654.38+ 10,000.

* An * * Fu needs 3070 yuan, with a maximum of 100% for severe cases and 60% for mild cases.

Xintai Million Health RMB 2,580. The maximum compensation for 4 severe cases is 400%, and the maximum compensation for 3 mild cases is 90%.

The price is 25% higher, and the difference in insurance liability is even greater.

Why do the products of "large insurance companies" have to be designed so expensive? Is it really a "shop assistant"?

In fact, the core reason is the guiding ideology of "shareholders' interests first", which makes large insurance companies retain huge benefits in premiums and are unwilling to give profits to consumers!

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.