This product has a detailed comparison with the popular critical illness insurance in China.
To answer your question, Worry-Free Health A is a consumer periodic critical illness insurance, and the insurance will be terminated after the insurance expires. Other protection responsibilities are the same as those in paragraph C. Let me introduce them to you ~
Worry-free C 1 is a product of Xinhua Life Insurance, which has two versions: the youth version and the adult version. For these two versions, let's make a simple analysis first, and make a deeper analysis in the original text. Interested parties can click to view: How about China Life? Do you have any insurance recommendations?
As usual, look at the guarantee content first: (see the picture below)
In order to show the characteristics of these two versions more clearly, we will explain them in modules, starting with the adult version.
Its advantages are as follows:
1. As long as you are unfortunately diagnosed with serious illness or death in the first ten years, Xinhua Life Insurance Company will give you an extra 20% of the basic insurance coverage.
2. If you are unfortunate enough to suffer from one of six specific diseases such as brain cancer and leukemia, you can also get 20% extra compensation.
Its disadvantages are:
1, low cost performance: general guarantee and high price. The premium of 10000 can be the insurance premium price owned by some families.
2. In the protection of mild illness, the compensation amount for mild illness is too small, far lower than most products on the market. The premium of 65438+100000 yuan is only 20%, which is really not worth it.
The following analysis is the youth edition.
Its highlights are:
1, the coverage is comprehensive, and both severe and mild diseases are guaranteed. If a specific serious illness is diagnosed, an additional 20% of the basic insurance amount can be paid.
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, its payment period is very short, the longest is only 20 years.
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. The adult version should pay more 1 10,000. Children's version or even 0-year-old children buy 500 thousand insurance coverage and pay 6400 yuan every year.
Prefer Xinhua, and you can consider buying it if you have enough budget. 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!