Worry-free C 1 is a product of Xinhua Life Insurance, which has two versions: the youth version and the adult version. First, a brief analysis of these two versions, detailed evaluation here: How about China Life? Do you have any insurance recommendations?
As usual, look at the guarantee content first: (see the picture below)
Let's start with the adult version.
It is more attractive:
1, 10 years ago, you can pay an additional 20% of the basic insurance amount.
2. If you unfortunately get one of the six specific serious diseases within the prescribed scope, you can get 20% extra compensation from the insurance company.
Its disadvantages are:
1, low cost performance: general guarantee and high price. The premium of 65,438+00,000 yuan is not affordable for ordinary working families.
2. The claim amount for minor illness is too small. Spent more than 1 000 yuan, and as a result, the amount of minor illness claims did not reach the average market proportion, which was a loss.
Let's look at the teen edition again.
Its highlights are:
1, the coverage is comprehensive, and both severe and mild diseases are guaranteed, as well as specific serious diseases. If you are unfortunate enough to get a serious illness, you can get 20% more basic protection.
2. The specific serious illness of teenagers has been increased: if you get sick before the age of 30 and meet the conditions of serious illness of special diseases of teenagers, 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.
But the price is not particularly ideal, it is too expensive. 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 you like this brand very much and have sufficient budget, you can consider it. If you are a friend who pursues cost performance, here are several critical illness insurance with high cost performance: the inventory of critical illness insurance of the top ten insurance companies "worth buying"!