Want to continue to study the small partners of Xinhua Life Insurance, just poke this article:
"Xinhua life insurance, ok? The secrets of the company and products are all in this article! 》
First, is the critical illness insurance of Xinhua Life Insurance good? What are the highlights?
Xinhua Life Insurance sells a lot of critical illness insurance. Senior carefully selected a healthy and worry-free version of critical illness insurance for you to test. Let's get this straight. Let's take a look at the protection content map of the Health Care Free Edition:
As we can see from the picture, the Health and Worry-Free Edition is a lifelong critical illness insurance. Its underwriting age is unique, with the insured age of 65,438+08-59 for men and 65,438+08-60 for women.
The exclusive version of health insurance has five payment years: 5/ 10/ 15/20 years, and the insured can choose according to their own situation. Next, the senior sister will take you to understand some advantages of the healthy and worry-free edition:
1, minor illness security payment times are more.
The exclusive edition of health care is different from ordinary products. One * * * can pay 6 times, the first time can pay 20% of the insured amount, and the second and third-sixth times can get 25% and 30% of the insured amount respectively. This is much more generous than the serious illness insurance on the market, and the minor illness only pays 3 times, and only pays 30% of the insured amount each time.
Take Lao Wang for example. If you buy the exclusive version of health insurance with a coverage of 500,000 yuan, Lao Wang will get a maximum of 825,000 yuan for minor illness compensation insurance. The mild illness protection covered by the exclusive version of health insurance is still very good.
2, there are adult accidental injury special disease protection or death care insurance.
The exclusive version of health insurance also covers the protection of adult accidental specific diseases or death insurance, which increases the protection content of the insured.
According to the contract, the insured is 6 1 year-old and unfortunately suffers from 15 special diseases agreed in the contract. Xinhua Life Insurance not only paid the compensation for critical illness protection, but also received the extra compensation of 100% of the insured amount provided by the insurance company, which eased the pressure of the insured's treatment expenses.
However, the exclusive edition of health care is not invulnerable, and it also hides these problems.
Second, Xinhua Life's critical illness insurance and this issue should be cautious!
1, the premium will not be upside down.
As we all know, the older you get, the higher the risk of buying critical illness insurance. For example, it is prone to the phenomenon that the premium is upside down, that is, the premium paid is more than the insured amount paid.
However, Xinhua Health Worry-Free Edition has a low probability of the above risks, because both critical illness insurance and death insurance are paid according to the larger of the basic insurance amount 100% and cash value, which has the advantage of ensuring that there will be no more money paid than losses.
Before I say anything, I'll give you a guide to buying critical illness insurance:
Suggestions on purchasing critical illness insurance under the new regulations of critical illness insurance! 》
2. Support the minor illness exemption of the insured.
As can be seen from the above, the health deductible exclusive version of critical illness insurance also provides the protection of the insured's exemption from minor illness. In this way, if the insured is unfortunately diagnosed with the mild illness stipulated in the insurance contract, the insured does not need to pay the premium on time, and the insurance contract continues to be valid.
The conclusion is that the exclusive version of critical illness insurance introduced by Xinhua Life Insurance has the characteristics of multiple payments for minor illnesses, which supports the exemption of the insured from minor illnesses and the insurance conditions are relatively relaxed. If you want to buy cost-effective critical illness insurance, you can learn more about other products.
Finally, for the small partners who want to buy critical illness insurance, Xuejie has also compiled a list of popular critical illness insurance for everyone. You might as well refer to:
& lta href="/？ Gid=682997" title= ""Top ten popular critical illness insurance stocks worth buying! ""target="_blank "> inventory of the top ten critical illness insurances worth buying! 》
Write it at the end
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