However, when buying lifelong critical illness insurance, many people will ask, what product is better to buy?
Today, Senior Sister will teach you whether lifelong critical illness insurance is worth buying. What products are worth recommending?
Busy friends, you can also keep the anthology of this article, and you can look at it later:
Should critical illness insurance be guaranteed for a fixed period or for life? 》
First, is critical illness insurance a lifelong guarantee?
It is best to choose life insurance for critical illness insurance, rather than regular insurance, because it has stronger protection for diseases.
First of all, compared with life insurance and term insurance, it can directly cover the period of high incidence of serious illness.
As shown in the following expression, the incidence of major diseases increases with age, and the incidence of serious diseases is high after 70 and 80 years old.
If you take out regular critical illness insurance, you can last up to 70 or 80 years old. It is at this age that you are diagnosed with the most serious disease. At this point, the critical illness insurance expires.
Changes of incidence of 28 major diseases with age
Second, after the term critical illness insurance expires, it is difficult for the insured to insure critical illness insurance again.
Because there is an age limit for general critical illness insurance, it is quite difficult to apply for critical illness insurance once you are over 65 years old.
It is not easy to buy critical illness insurance if you are under 65 years old.
Because the critical illness insurance is very strict in informing the health of the elderly, many elderly people's physical conditions are not up to standard.
Even if a critical illness insurance can be successfully insured, there will be a lot of expenses in terms of premiums, which is prone to upside down.
The upside-down premium represents that the accumulated premium is greater than the basic insurance amount. Buying this kind of critical illness insurance is not only a loss, but also uneconomical.
Generally speaking, if you want to ensure comprehensiveness and stability, you'd better choose to keep it for life if the budget is sufficient.
2. What life-long critical illness insurance is worth buying?
Speaking of which, what kind of lifelong critical illness insurance is suitable for buying?
Because of the limited space, Senior Sister has selected two critical illness insurances that have been sold well recently for your reference.
& gt& gt Darwin 5 Huan New Edition
As can be seen from the figure, the scope of protection of the new version of Darwin's No.5 Ring is very comprehensive, not only the basic protection of serious diseases, mild diseases and moderate diseases is well done, but also the optional responsibilities are very rich. For malignant tumors and cardiovascular and cerebrovascular diseases with extremely high incidence, additional items such as secondary compensation guarantee can be selected.
The most striking thing about Darwin's new version of Huan 5 is the extra compensation for a specific age.
I have insured the new version of Darwin's No.5, and I will pay 180% for the first serious illness before the age of 60, and pay 30% more for the serious illness or advanced severe malignant tumor.
For example, Xiao Wang has an insurance policy with a coverage of 300,000. If he is accidentally diagnosed with advanced severe malignant tumor for the first time at the age of 50, the insurer can get 2 10%, that is, 630,000 yuan! The original insurance coverage has to be doubled several times to compare with it!
What's more, the new edition of Darwin No.5 Huan can get extra compensation of 10% and 15% of the insured amount before the age of 60.
For information about the new Darwin 5 Ring, please refer to the following:
Is the new version of Darwin 5 Huan worth buying? You will know after reading these three points.
& gt& gt Ruyi Golden Gourd First Edition
As can be seen from the figure, the first edition of Ruyi Golden Gourd is still relatively good in terms of protection, and both basic protection and optional protection are in place. First of all, it has two attractions.
Critical illness protection gives strength.
Different from the new version of Darwin's No.5 Huan single payment, the first version of Ruyi Jinhulu has set up multiple payments.
The first edition of Ruyi Golden Gourd pays no more than 6 times for serious illness, and the proportion of compensation increases in turn. The cap can pay 200% of the insured amount, and the first diagnosis of serious illness under 60 years old can get an additional 80% of the insured amount.
Malignant tumor has repeatedly compensated and innovated.
Generally speaking, critical illness insurance is a secondary compensation for serious malignant tumors.
The first edition of Ruyi Jinhulu not only has the second and third compensations for severe malignant tumors, but also provides multiple compensations for mild malignant tumors.
Moreover, there is a good proportion of compensation, such as 150% insurance coverage for severe malignant tumors for the third time.
& gt& gt summary
To sum up, the new edition of Darwin No.5 Huan and the first edition of Ruyi Golden Gourd are both critical illness insurance with comprehensive protection and high cost performance, which are well worth buying.
If you want to see more critical illness insurance that can be guaranteed for life, this popular list of critical illness insurance presented by senior sister can come in handy:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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