Super Mary IP series is well received in the critical illness insurance market. Can the launch of Super Mary 7 Classic surprise us?
Let's get to know each other.
| Is Super Mary 7 Classic Worth Insurance?
| Should I buy critical illness insurance?
| Dad Summary
1. Is Super Mary 7 Classic worth insuring? Not much to say, just go to the picture.
Let's briefly analyze its product form.
1, insurance rules
Super Mary 7 Classic Edition supports people born between 28 days and 55 years old.
Teenagers, children, young people and middle-aged people all have the opportunity to take out insurance, and the elderly can only choose other products with looser age restrictions.
Divided into two versions: life and 70 years old.
Guarantee lifelong support for up to 30 years of payment, and guarantee support for up to 20 years of payment until the age of 70.
The temporary budget is limited, and the annual payment pressure can be alleviated by extending the payment period.
The maximum insured amount is 500,000 yuan, and the waiting period is 180 days.
In terms of insurance rules, it is not very bright, and it can only be said that it is quite satisfactory.
2. Compulsory liability
The compulsory liability of Super Mary 7 Classic Edition is relatively simple, only the basic guarantee liability of serious illness/moderate illness/minor illness and the exemption of the insured.
1 10 kinds of serious diseases: compensation 1 time, compensation 100% insured amount;
25 kinds of China's diseases: compensation twice, with 60% coverage each time;
50 kinds of mild diseases: pay 3 times, each time the insured amount is 30%.
Compared with many critical illness insurance, Super Mary 7 Classic Edition pays more attention to consumers' own needs.
3. Optional responsibilities
Super Mary 7 Classic Edition lists secondary compensation for serious illness, secondary compensation for cancer, disease care fund, policyholder exemption and death/disability protection as optional responsibilities.
Consumers can choose whether to add according to their personal preferences and their own needs.
4. Premium calculation
300,000 yuan, life insurance, 30-year payment, including basic responsibilities, 30-year-old men and women need 3 180 yuan and 296 1 yuan respectively.
The price is relatively affordable.
It should be noted that the premium of critical illness insurance is positively related to age. Generally, the older you are, the more expensive the premium of critical illness insurance is.
Therefore, if possible, the configuration should be early.
On the whole, Super Mary 7 Classic Edition has solid guarantee content and rich optional responsibilities, so it is worth insuring!
Second, should I buy critical illness insurance? Critical illness insurance can transfer the economic risks brought by major diseases for the insured.
However, the price is relatively high, which is easily confused with the million-dollar medical insurance with relatively low price.
Therefore, some people have doubts about whether to buy critical illness insurance.
In fact, whether to buy critical illness insurance should proceed from the actual situation of the individual.
Age, health status, occupation, family annual income, etc. It is an important factor that affects whether to buy critical illness insurance.
For the elderly, there is little critical illness insurance in the market, and the premium is easy to be upside down.
If the health is not optimistic, it is difficult to pass the health notification of critical illness insurance with great probability.
Some critical illness insurance also has restrictions on the insured's occupation.
The annual household income is the standard to judge how much investment should be made and how much quota should be guaranteed.
Generally speaking, the annual premium paid by a family should be 10% of the annual household income, and the risk insurance amount should reach 10 times of the annual household income.
Therefore, whether you should buy critical illness insurance should be combined with the actual situation, and it is not recommended to configure critical illness insurance beyond your financial ability.
Of course, if there are conditions, it is best to configure a critical illness insurance for yourself and your family.
In case of an accident, you can get real economic compensation.
Third, Dad concluded that Super Mario 7 Classic Edition didn't have many surprises, but it was still very useful in the current critical illness insurance market.
It is also an economical and practical critical illness insurance product.