1. Major disease protection: 88 kinds (immediate protection)
Special advantage: guaranteed dividend (British dividend)-the insured amount will increase according to the dividend situation every year.
Special note: the dividend is uncertain.
For example, 30-year-old Mr. Wang insured Jinyou Life Edition 20 17, with the insured amount of 1 10,000. Based on the mid-range dividend forecast, Mr. Wang's insurance coverage at the age of 60 is 1.45 million (the low-range dividend is 1.03 million; High-grade dividend is 6.5438+0.9 million)
When it comes to the details of disease types, Jinyou has an advantage in protecting type I diabetes, and claims are relatively loose. You only need to continue to inject insulin to settle the claim. Another product requires the installation of a pacemaker or the removal of one or more toes for the claim of type I diabetes. Of course, this will also lead to differences in premiums. It is normal for products that are easy to claim, and the relative increase of premium will be mentioned later.
2. Specific disease protection (mild illness): 20 kinds (1 time can be paid, and the immediate insured amount is 20%. After the payment, the amount of other payments should be reduced year-on-year, including the exemption of minor premium).
According to the case just now, if Mr. Zhang suffers from mild diseases such as "coronary intervention (such as heart stent)" at the age of 60, taking the mid-range dividend as an example, he can get 6.5438+0.45 million * 20% = 290,000, and the overall insurance coverage is 6.5438+0.45 million-290,000 = 6.5438+0.65438 million.
The upgrade of Jinyou Life 20 17 cancels the restriction of "no more than 65438+ 10,000" in the previous version, which is a minor optimization.
But full coverage is a small step backwards:
Note: How to ensure that the symptoms of mainstream competitive products in the market are mild?
The number of (1) is increasing day by day: some products have increased to 50 kinds of mild diseases. Of course, the more diseases, the better, but relatively speaking, it needs comprehensive consideration.
(2) The number of payments is not limited to 1 time: there are many products that can be paid for 3 or 5 times for mild illness.
(3) Extra payment for minor illness: Minor illness payment is generally a certain proportion of the insured amount, such as 20% and 30%. After the payment, the cost-effective products generally do not affect the main insurance amount, even if you get a serious illness after a minor illness, you will still pay according to the original insurance amount.
3. Death/total disability protection: (pay the insurance amount immediately)
Consistent with the protection of major diseases, if Mr. Zhang dies at the age of 60 (and has not suffered from mild or severe diseases before the age of 60), he can get compensation of 1.45 million.
Good protection is important, and reasonable premium is the last word, so how much is such a product?
Take Mr. Zhang, who is just 30 years old, as an example. He insured himself against Pacific Life Jinyou Life Insurance for 2065,438+07, with a premium of 65,438+000 yuan, a premium of 3,865,438+0000 yuan/year, a 20-year payment of 65,438+0000,000 yuan, and a * * * has to pay 76 yuan. If the leverage effect is average, (for the more popular critical illness insurance products in the market, the protection amount for 30-year-old men is 6,543.8+0,000, and the average annual payment is 20,000-25,000, just like Fangqiu Jian Kang Life Insurance, Tianan Health Source Enjoy, ICBC AXA Enjoy Life, etc.).
Although this product can make up for the deficiency by increasing the insurance coverage, Mr. Zhang, who is 30 years old, has insured 6,543.8+0,000, and by the age of 60, the insurance coverage can be increased to 6,543.8+0,450 (mid-range bonus), which is not bad, but after comparison, we can see the deficiency: Mr. Zhang has also insured 6,543.8+0,000, and the average premium in the critical illness insurance market is between 20,000 and 30,000. This premium level allows you to choose to insure 654.38+0.45 million or even higher when you insure, and the premium is lower than this Jinyou Life Insurance.
In this way, the advantage of increasing the amount of Jinyou insurance is not so dazzling, and the high premium makes the product somewhat eclipsed. You know, at the same cost of 37,000 yuan, other products can get 6.5438+0.5 million protection from the time of insurance, and Jinyou's life will take decades to grow to that height. Even if the 80-year-old grows to 654.38+0.84 million, the period of high incidence of diseases and the period that should be guaranteed most have passed, and major insurance is gone.
The following is a comparative analysis of Jinyou Life Insurance 20 17 and a mainstream critical illness insurance currently on the market:
As can be seen from the above comparison table, Tongfang Global Jian Kang Lifelong Multi-insurance is superior to Jinyou Lifelong 20 17 in various responsibilities, such as the types of minor diseases, the number of minor claims, the exemption of policyholders, etc., and these responsibilities are all key responsibilities. In terms of premium, the premium of Tongfang Global Double Insurance is half cheaper than Jinyou Life Insurance, so under the same premium budget, Tongfang Global Double Insurance can purchase twice the insurance amount. In this case, even if Jinyou has a guaranteed dividend in this life, it is estimated that his guaranteed dividend in this life will not reach the difference between them.
Therefore, the author believes that the asset inheritance function of this product is superior to the protection of major diseases. Of course, if you can get rid of the extra serious illness protection, it is relatively more suitable for people with long life to inherit assets, because the insurance amount of this product can be increased and the insurance money can be paid to the beneficiaries after death. Therefore, if you die at the age of 80 or even 90, 654.38+08,000 or even more than 2 million yuan will be paid to the beneficiary of the policy to inherit a sum of money (middle range).
As a purchase in whole life insurance, there is actually a better choice. Take a simple whole life insurance as an example. If 30-year-old Mr. Zhang is insured for 2 million yuan, the premium is only 29,000 yuan/year, and the 20-year payment will be lower than that of Jinyou Life Insurance 20 17100,000. Therefore, the author's evaluation of this product is "the overall guarantee design is good, and it has an advantage in the claim for type I diabetes. However, the premium is high and there is no guarantee for mild illness. If you are not a big fan of Pacific Insurance or are particularly worried about the risk of diabetes, you can choose other products. "
Summary:
If you make a protection plan for yourself, first of all, don't choose products, but analyze the needs, and then choose the right products according to your own needs. Because there are more than 70 life insurance companies in the whole market, each with its own characteristics and priorities, you should choose products that suit your own protection priorities according to your real needs.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.