There are many friends who regret buying Xinhua Worry-Free C, just like you!
Because this product is not cost effective!
Worry-free C 1 is a product of Xinhua Life Insurance, which has two versions: the youth version and the adult version. Now, let's briefly analyze these two versions. Want to know more evaluation and analysis, you can click on the original text to see: How about China Life? Do you have any insurance recommendations?
As usual, look at the guarantee content first: (see the picture below)
For convenience, let's talk about it one by one. Let's talk about the adult version first
The advantages of the adult version are:
1, 20% extra compensation: If you were diagnosed with serious illness or died in the previous 10 years, you can get 20% extra compensation.
2. Those who unfortunately suffer from six specific diseases, such as brain cancer and pancreatic cancer, can get the basic guarantee of 120%.
Its disadvantages are:
1, low cost performance: general guarantee and high price. The premium is about 65,438+0,000, and you can buy several single-payment critical illness insurance.
2. The amount of compensation for minor illness is somewhat small. At present, the compensation for general mild illness is 30%. The premium of 65438+100000 yuan is only 20%, which is really not worth it.
Now let's look at the teen edition.
Its highlights are:
1, with specific serious illness protection: when you suffer from specific serious illness, you can get an additional 20% protection.
2. The specific serious diseases of teenagers have been added: before the age of 30, the diseases you suffered not only meet the specific diseases of teenagers, but also meet the types of serious diseases, and you can get 200% compensation.
Disadvantages are:
1, the payment period is only 20 years to choose from, and the insurance leverage is somewhat low.
2. The proportion of minor illness compensation is low: the average proportion of minor illness compensation in many critical illness insurance in the market is 30%, and this compensation is 20%, which is slightly lower.
Generally speaking, the protection of this product is still quite sufficient.
However, the price is really high. Not just the adult version. Children's version or even 0-year-old children buy 500 thousand insurance coverage and pay 6400 yuan every year.
If there is enough budget, it can still be considered. Friends who are more interested in cost performance have compiled some critical illness insurance with high cost performance for you: the top ten insurance companies' "worth buying" critical illness insurance inventory!