We often meet people who have spent their life savings because of a serious illness.
The role of insurance is to prevent this kind of risk and use small expenses to resist the uncertain risks in life.
It often happens that parents are sick and hospitalized when they are old. With insurance, we don't have to worry about the high cost of treatment, and also reduce our pressure as children.
There are two thresholds for buying insurance, one is age, and the other is health decline. So how to configure insurance for parents? Because my parents are older, I suggest medical insurance and accident insurance.
When parents are old, they will inevitably get sick, and millions of medical insurance can reimburse most medical expenses; Accident insurance covers accidents in life, such as traffic accidents, falling objects and falls.
The specific practical strategies of parental insurance can be found in the article: How to insure parents is the most cost-effective? If you want to be cost-effective, it is enough not to step on the pit after reading this article!
Let's analyze the protection of 100% critical illness insurance.
How about 100% guarding? Guarding 100% is a return-type critical illness insurance introduced by China Ping An Life Insurance Company of China Insurance Company. This product only covers 80 kinds of serious diseases, and the premium can be refunded at maturity, and the price is cheaper than other returned products.
/kloc-What does 0/00% critical illness insurance cover?
Critical illness insurance king:? Guarantee 80 kinds of serious diseases, and pay 100% of the insured amount or cash value after diagnosis, whichever is larger;
Expired survival insurance: The insured survives until the insurance expires (optional 60/70/80 years old) and pays the sum of the premiums paid;
Death insurance: /kloc-the sum of the premiums paid before the age of 0/8; /kloc-After the age of 0/8, the insured amount or cash value will be paid, whichever is greater.
100% coverage is simple, covering only 80 serious diseases. After the premium is returned due, the critical illness protection is still valid.
Let's take a look at its cost performance.
What is the price/performance ratio of 100%?
Shen Lanjun chose several life-long return critical illness insurance products and compared them with a non-return critical illness insurance:
Draw a direct conclusion:
Compared with other returned critical illness insurance, Ping An Guardian 100% is cheaper, but the coverage is not comprehensive, and there is no protection for mild and moderate diseases.
If you decide to choose the return type of critical illness insurance, you can consider Tianan Aibao 20 19, and the protection is more comprehensive.
However, comparing the above pictures, we can see that non-refundable products, such as Hengqin Worry-Free Life 2020, are more comprehensive. Before the age of 60, you can pay more than 50% extra for serious diseases, and the proportion of mild and moderate diseases is higher and the price is much cheaper.
For more insurance product evaluation and popular science, please visit official website Deep Blue Insurance.