Worry-free C 1 is a product of Xinhua Life Insurance, which has two versions: the youth version and the adult version. Let's make a simple analysis of these two versions. If you want to see a more comprehensive analysis and evaluation, you can click here to see the original text: How about China Life? Do you have any insurance recommendations?
As usual, look at the guarantee content first: (see the picture below)
In order to show the characteristics of these two versions more clearly, we will explain them in modules, starting with the adult version.
The advantages of the adult version are as follows:
1. If you are unfortunately diagnosed with serious illness or death in the first 10 years of the coverage period, the insurance company will pay you an extra 20% of the basic coverage.
2. The conditions for this insurance to get 20% extra compensation are: suffering from six specific serious diseases.
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. At present, the proportion of compensation for mild diseases in the market is 30%. However, the compensation ratio of this product is far below the market average. This 20% payment is really a little low, and it is not worthy of the premium of 1 000.
Next, watch the teen edition.
Its highlights are:
1, comprehensive disease protection: both severe and mild diseases are guaranteed, and some serious diseases can be paid an extra 20% of the insured amount. .
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, the payment period is only 20 years to choose from, and the insurance leverage is somewhat low.
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 premium is a bit expensive. The adult version costs 1 tens of thousands, which is not affordable for all families. Children's version or even 0-year-old children buy 500 thousand insurance coverage and pay 6400 yuan every year.
Large budget can be considered. 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"!