Does Xinhua Health Worry-Free C5 Critical Illness Insurance have a pit? Is it guaranteed? How much is it a year?

Health-free C5 is a life-long one-time payment for serious illness insurance, which pays for serious illness and moderate illness once, and pays for mild illness and special illness protection for teenagers many times, but the price is relatively expensive and the cost performance ratio is not high.

Xinhua Health Worry-Free C5 Critical Illness Insurance specifically covers the following contents:

This product is guaranteed for both severe and mild/moderate diseases. In addition to basic protection, its main functions are:

Extra payment for special diseases: before the age of 30, extra payment for special diseases of adolescents100%;

Specific cardiovascular and cerebrovascular diseases (optional) 15 mild diseases will be paid 20%, 100% will be paid 18 severe diseases, including acute myocardial infarction, stroke sequelae, minimally invasive coronary artery bypass grafting and other high-risk diseases, and only one of them will be paid;

The price of specific cardiovascular and cerebrovascular diseases for a 30-year-old male is about 885 yuan, which is about 7.2% more expensive. If you want to strengthen the protection of cardiovascular and cerebrovascular diseases, you can consider adding this responsibility ~

Xinhua Health Worry-Free C5 critical illness insurance cost-effective analysis Shen Lanjun chose several major companies with better sales in the market for comparison:

Draw a direct conclusion:

By comparison, it can be seen that, compared with other critical illness insurance, health-free C5 critical illness insurance is possible, with the protection of moderate illness and extra compensation for special diseases of teenagers, but the price is relatively expensive.

If the budget is sufficient, you have a good impression on Xinhua brand and pay attention to the protection of special diseases for teenagers, you can consider this one; If the pursuit of cost performance, it is recommended to compare the critical illness insurance on the market. There are many good products, including brands of many big companies.

For more product evaluation and insurance knowledge, welcome to pay attention to deep blue insurance!