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)
We are divided into two modules for analysis, the first is the adult version.
The advantages of the adult version are:
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%.
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. The amount of compensation for minor illness is very small. At present, the amount of compensation for serious illness insurance and minor illness in the market is basically 30% of the basic insured amount. The compensation ratio for mild illness of this product is only 20%, which is less than the average market ratio. Not worth it.
Let's look at the teen edition again.
Its highlights are:
1, including the protection for specific serious diseases. If you suffer from specific serious diseases, you can get 120% protection.
2. Increase the specific serious illness of teenagers: If you unfortunately suffer from a specific illness of teenagers before the age of 30, and the disease also meets the serious illness, then you can get 200% coverage.
Disadvantages are:
1, the leverage is not high, the payment period can only be 20 years, and there is a waiting period of 180 days.
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.
However, expensive is really expensive. Adult version 10000 yuan or more. Children's version or even 0-year-old children buy 500 thousand insurance coverage and pay 6400 yuan every year.
Suppose you like Xinhua brand very much and don't care about the price, you can consider buying it. Friends who pursue cost performance suggest comparing other products. Can I refer to my Xinhua life insurance? Do you have any insurance recommendations?