Today, Senior Sister will introduce Da Yongming's critical illness insurance products to you, and whether it is worth our insurance.
Before the formal introduction, Senior Sister will present you with a list of critical illness insurance comparisons:
Comparison Table of Domestic Popular 136 Critical Illness Insurance
1. How about Everbright's critical illness insurance?
Everbright Yongming has also introduced several newly defined critical illness insurance. Senior sister chose one of the critical illness insurance that is selling well-Yongbao Health (Jiabeibao), and comprehensively studied the critical illness insurance of Everbright Yongming.
First of all, let's take a look at the content map of the protection of staying healthy forever (PayPal):
As can be seen from the above picture, this forever healthy (PayPal) is a serious illness that can be claimed twice, a medium illness that can be claimed 1 time, and a light illness that can be claimed twice. It also provides multiple payments for malignant tumor-serious extra insurance, death insurance and optional specific disease insurance. Next, let's help you analyze its guarantee content ~
1. Major disease protection
Eternal Health (PayPal) includes 1 10 kinds of critical illness insurance, which can be paid twice at most. The down payment of the insured's critical illness insurance is 65,438+000% of the basic insurance amount and the maximum premium and cash value. The second kind of serious illness is to pay 100% of the basic insurance coverage, and the setting of the compensation ratio can also be regarded as a routine, that is, to pay all the serious illness, with no extra items.
Health insurance (HP Reusable Edition) is also a kind of critical illness insurance product with multiple payments. Although the first serious illness is the largest of the three, and it is 100% of the basic insured amount, the premium paid and the cash value, the first serious illness before the anniversary date of 15 can also get an additional 50% of the basic insured amount, and the second serious illness can be paid 15.
Of course, health insurance (HP Reusable Edition) is very strong in critical illness protection, and other protection is also excellent:
How about Kunlun "multi-version health insurance"? Today I will tell you the truth! 》
2. Chinese medicine protection
There are 20 kinds of China's diseases within the scope of permanent health insurance (optimal frequency insurance), and the payment ratio is 50%, only 1 time. Seriously, this forever healthy (best double insurance) claims rate is quite low, and the number of claims is very small.
Compared with China's disease paid twice in the market, for the critical illness insurance with a payment ratio of 60%, the protection of China's disease for staying healthy forever needs to be improved.
3. Minor illness protection
This Forever Health (PayPal) provides 20 kinds of mild illness protection, and can be paid twice at most. The compensation you can get each time is 30% of the basic insurance amount, and the compensation ratio is not high.
Moreover, invisible grouping is also included in the mild illness clause, which greatly reduces the compensation probability of mild illness.
For example, "mild acute myocardial infarction", "minimally invasive coronary intervention (non-thoracotomy)" and "laser myocardial revascularization" can only pay for one of them.
"Deafness in one ear-claim at the age of three" and "Severe hearing loss-claim at the age of three" can only pay for one of them.
4. Malignant tumor-serious extra insurance premium
In order to stay healthy forever (Gabor), we also have extra premium for malignant tumor-severity, and the basic premium for newly added-severity malignant tumor, recurrence, metastasis and sustainable compensation is 100%, which greatly strengthens the protection for cancer.
However, if you want to get the malignant tumor-severe extra insurance provided by Best Health Insurance, there is a five-year interval. What needs to be known in advance is that during this five-year interval, there will be a 73% chance of cancer recurrence and metastasis. Obviously, the probability of cancer recurrence and metastasis will be very high within five years after the operation is completed. Therefore, the five-year interval set by permanent health insurance (the best health insurance) is very unreasonable.
5. Optional specific disease insurance benefits
The optional protection provided by Permanent Health (PayPal) is specific disease insurance, which covers 15 specific serious diseases and can enjoy 50% extra compensation of the basic insurance amount.
Among them, leukemia, severe craniocerebral injury, severe cardiomyopathy and other serious diseases in children are all covered by 15 specific serious diseases. In addition, it also covers adult high-incidence and serious diseases such as liver malignant tumor, lung malignant tumor, breast malignant tumor and prostate malignant tumor, which enhances the protection for children and adults with high-incidence and serious diseases. This performance is very good!
Generally speaking, the protection provided by Permanent Health (PayPal) for serious and minor diseases has no special highlights, and the protection for middle diseases is not very good. There are hidden groups in mild diseases, and the interval between malignant tumors and heavy extra insurance is long and the price is not cheap. The overall performance is a bit average. You can compare the critical illness insurance on the market to make a choice.
If you don't want to waste time choosing and comparing, take a look at this list of critical illness insurance:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Second, how about Everbright Yongming? Is it reliable?
Everbright Life Insurance Co., Ltd. was established on April 22, 2002 with a registered capital of 5.4 billion yuan. This insurance company is jointly established by Canada Yongming Finance, which has more than 100 years of overseas life insurance experience, and the powerful China Everbright Group. This life insurance company is a 1 life insurance company established in northern China through a Sino-foreign joint venture.
On the road of promoting development, Angang Group and Zhong Bing Investment Management Co., Ltd., a subsidiary of China Ordnance Industry Group, which are known as the "cradle of China's iron and steel industry", were successfully introduced by Everbright Yongming in July 20 10. Together with the original two companies, up to now, there are four companies with strong shareholder background. At present, the business scope covers 80% of the population areas in China.
Moreover, in 2020 alone, Everbright Yongming's insurance business income will be as high as13.47 billion yuan. In the first quarter of 2026, the core solvency adequacy ratio was 5438+0, reaching 173.78%, and the comprehensive solvency adequacy ratio was also amazing, 233.58%. The latest comprehensive risk rating is A, far from it.
On the whole, Everbright Yongming is an excellent insurance company with good comprehensive strength and solvency.
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