On March 3 1, AIA Hong Kong officially launched three critical illness insurance products, namely: Jin Taian Xinbao No.2, Jiayu Times Guarantee and Jiayu Times Guarantee (enhanced version). Among them, Jiayubei Safety (Enhanced Edition) has attracted great attention from the industry and many customers because of its high cost performance and multiple payment for the first cancer in Hong Kong. Today, I will give you a comprehensive analysis of this product and see what features and advantages it has.
I. "Double 100" Guarantee
1, 100 kinds of diseases, including 53 serious diseases, 39 early diseases and 7 childhood diseases. Among them, the critical illness coverage 100%, non-critical illness coverage 50%, and the basic coverage for early and childhood diseases can be advanced by 20%.
2. Ensure that the insured is 100 years old. It can be seen that Jiayubei Insurance (enhanced version) provides a very comprehensive disease protection for the insured before 100 years old.
Second, the 10 year upgrade guarantee
If the insured unfortunately suffers from 1 of 53 serious diseases or 1 of non-serious diseases within the first 10 year of the policy (for example, the effective date of the policy is April 20 16, and the first 10 year means before April 2026). Over 30 years old, there is an additional compensation of 35% of the basic insurance amount.
Third, multiple cancer protection.
Hong Kong's first cancer multi-protection: the insured can get 100% of the current coverage when he is diagnosed with cancer for the first time. At this time, there is no need to pay the premium (if the premium has not been paid), but the policy is still valid. If the insured is unfortunately diagnosed with cancer again three years after the first diagnosis, he can get 80% of the original basic insurance coverage. You can get multiple compensation for two cancers at most, plus the first compensation, so you can pay for three cancers at most.
Take $654.38 million as an example.
Compared with similar products, this guarantee does not set a five-year cancer waiting period, which is clearer, looser and more in line with the actual needs than many cancer guarantees on the market. But based on this, Jiayu Times Security (Enhanced Edition) will be about 8% more expensive than Jiayu Times Security Standard Edition.
Fourth, high cost performance.
Compared with Prudential's critical illness life insurance, the premium rate of Jiayubei Insurance (enhanced version) is not high, and the growth of insurance coverage and cash value is also very strong because the product also adopts British dividend.
Take $654.38 million as an example.
It can be seen that Jiayu Times Guarantee (enhanced version) is 6% cheaper than that of sickness life insurance, and the insured amount and cash value in the first 30 years are also very competitive.
Conclusion: Jiayubei Security (enhanced version) covers 65,438+000 major diseases and early diseases, which not only provides the first 65,438+00-year upgrade security, but also provides multiple security for cancer. The premium rate is not high, and the value is relatively preserved. It is suitable for children, teenagers, middle-aged people of all ages, especially those who have high health awareness and believe in the progress of medical science and technology.