First, AIA Xinyue Life Insurance 20 19 Security Analysis Security Content Analysis:
1) Mild illness protection is flashy.
Although it is attractive that 20 19 patients with mild heart disease can pay up to 7 times, it is less likely that a person will be diagnosed with mild disease for 3 times or more, and generally only 20% of the insured amount can be paid.
In fact, it is more practical to increase the down payment ratio for mild illness.
Let's take a look at the protection of high incidence and mild illness in this issue of Xinyue Lifelong 20 19:
As shown in the above table, 10 kinds of high-risk and mild diseases are completely covered by Xinyue Life Insurance 20 19, which is relatively comprehensive.
2) The required liability is accident insurance.
Xinyue Yisheng 20 19 Bind Quanyou-Zhen Zhen Accident Insurance Portfolio Sales. A policy contains multiple types of insurance, and the premium has increased a lot, so the flexibility of insurance is relatively general.
3) Lack of premium exemption and Chinese medicine protection.
The lack of Chinese medicine protection is almost the common feature of the products of this kind of company, but the premium exemption of this product also needs additional responsibility.
4) Death/dying protection and critical illness protection cannot be superimposed.
Xinyue can only pay one of the three guarantees above 20 19. If one guarantee pays, the other two guarantees will be terminated.
2. AIA Xinyue Life Insurance 20 19UI is superior to other AIA's critical illness insurance and enjoys 20 19.
AIA Xinyue Yisheng 20 19
Ping An Fu 19II
Healthy baifenbai d
Jin Nuo youxiang
Guo richest man 20 19
Direct comparison conclusion:
Xinyue Yisheng 20 19 and Quanyou Xianghui 20 19 are both AIA brands, but from the perspective of premium calculation, Xinyue Yisheng's premium is cheaper, and relatively speaking, Xinyue Yisheng 20 19 has better cost performance.
Ping An Fu 19II includes Ping An Sports Special Rights Award. When the insured reaches the target, the proportion of compensation for minor illness and serious illness can be increased by 5- 10%. After the minor illness is paid, there will be additional compensation for the later diagnosis of serious illness.
According to the premium calculation results of several products in the table, Health 100% D is relatively cheap, and the down payment ratio of minor illness is 30%, which is higher than that of similar companies, and it also includes the responsibility of exempting minor illness from premium.
abstract
AIA Xinyue Lifelong 20 19 is rich in optional liability, but the compulsory liability covers accident insurance, which is not very friendly to consumers, and the premium of such products is relatively expensive. If the budget is sufficient, I really like the brand AIA, which can also be used as a reference.
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