Whether the product is good or not depends on whether it meets your personal needs. If it suits you, it is a good product. Or look at the following information about Xinhua Life Insurance products, can I help you?
Xinhua Life Insurance is a big old company with many branches, which is also one of the best in the domestic insurance industry. The business of Xinhua Life Insurance Company is mainly life insurance, critical illness insurance and annuity insurance.
If you want to know about this company, you must know about its products. The prices of the products of this company are relatively high, except for a few that are not worth buying. Take the critical illness insurance popular in their family:
The health insurance C 1 of Xinhua Life Insurance Company is a one-time payment for critical illness insurance. Please note that the insured in this insurance should be over 18 years old. Specific as shown in the figure:
As can be seen from the figure, Worry-Free Health C 1 has the following advantages:
1. If you were unfortunately diagnosed with serious illness or died in the previous 10 year, you can get an extra 20% of the basic insurance amount.
2, suffering from six specific serious diseases can also pay an additional 20%, such as brain cancer, pancreatic cancer, leukemia.
But it still has some problems:
1, low cost performance: general guarantee and high price. The premium is about 65,438+0,000, and you can buy several single-payment critical illness insurance.
2. The proportion of minor illness compensation is low: the average proportion of minor illness compensation in many critical illness insurances on the market is 30%, and some products can pay 45%, 50% or even higher. The compensation for minor illness of this product is only 20% of the basic insured amount. Seriously, it's not worth it.
I have sorted out some minor-friendly critical illness insurance products on the market, and they are all very cost-effective. If necessary, you can click on the original text to view: Top Ten Insurance Companies' Hot Critical Illness Insurance Inventory!
At the same time, I have also sorted out some products with low cost performance. Be careful when encountering these products: