Interested parties can have a look.
Health and worry-free products are from Xinhua Life Insurance, not Taikang. Oh, dear, you are mistaken ~
Worry-free C 1 is a product of Xinhua Life Insurance, which has two versions: the youth version and the adult version. Let's briefly analyze the advantages and disadvantages of these two versions. For detailed and in-depth evaluation and analysis, please see: How about China Life? Do you have any insurance recommendations?
As usual, look at the guarantee content first: (see the picture below)
Let's explain their advantages and disadvantages in groups, starting with the adult version.
The adult version is better:
1, as long as you meet the conditions of being diagnosed with serious illness or death in the previous ten years, you can get the guarantee of 120%.
This insurance also stipulates that if you are unfortunately suffering from one of six specific serious diseases such as brain cancer, you can get 20% extra compensation.
Its disadvantages are:
1, low cost performance: general guarantee and high price. The premium is 65,438+0,000, and I can even buy a single-payment critical illness insurance plus a term life insurance.
2, a good critical illness insurance, the amount of compensation for mild illness is at least 30%. The compensation ratio for mild illness of this product is only 20%, which is less than the average market ratio. Not worth it.
Then watch the teen edition.
Its highlights are:
1, with specific serious illness protection: when you suffer from specific serious illness, you can get an additional 20% protection.
2. The specific serious illness of teenagers has been added: If you have a specific illness of teenagers before the age of 30 and meet the serious illness, you can get double coverage, but the contract will be terminated after the claim is settled.
Disadvantages are:
1, its longest payment period is only 20 years, and its leverage is really 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.
It's just a little expensive Not all families can afford the adult version. Children's version or even 0-year-old children buy 500 thousand insurance coverage and pay 6400 yuan every year.
Prefer Xinhua, and you can consider buying it if you have enough budget. 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"!