There are also many small partners asking, is the cost performance ratio of China Life Insurance 202 1 really that high? Is it really worth buying?
Today, Senior Sister will show you!
Don't worry, anxious friends can look at Guo's richest man 202 1 version first:
China Life Insurance 202 1 Edition Three Guarantees is a bit unexpected. ...
1. What diseases does China Life Insurance 202 1 cover?
Through the product terms, Senior Sister compiled a concise product protection map and shared it with you:
As can be seen from the security map, China Life Insurance 202 1 has 120 kinds of serious diseases, 20 kinds of moderate diseases and 30 kinds of mild diseases.
In addition, from the number of specific serious diseases and the number of specific cardiovascular and cerebrovascular diseases, it is divided into two categories: A and B.
Want to know what the specific disease is, you can look at the product terms, and the senior sister will not give you an analysis.
Therefore, the CBRC has rigid regulations on the types of diseases covered by critical illness insurance, and we don't need to be too entangled in the number of diseases covered.
A critical illness insurance is not worth buying, what is more important is its coverage and strength. The following is a detailed analysis of the guarantee content of China Renshou 202 1!
Second, the advantages and disadvantages of China Life Insurance 202 1
Advantages:
1, flexible payment method
China Life Insurance 202 1 has set up three payment cycles: wholesale payment, monthly payment and annual payment, which is very flexible!
Wholesale payment refers to one-time payment of insurance premium. Compared with annual payment and monthly payment, it will be more suitable for people with high short-term income but floating income.
Annual remittance and monthly remittance are more suitable for people with stable income, but some people with weak economic strength choose.
Provide a variety of payment periods, the insured can choose according to their own conditions, which is very beneficial to consumers!
2. Covering basic security
Senior sister has been saying that a good critical illness insurance must be a serious illness+a moderate illness+a mild illness.
When the critical illness insurance was just released, the only guarantee was to protect the critical illness. However, with the development of the times, products that only protect serious diseases can no longer meet the needs of people today.
In order to make products more competitive, insurance companies design better products. In terms of security, in addition to serious diseases, there will be mild and moderate diseases, and better products can cover the former.
Expanding the scope of protection, that is to say, lowering the threshold for claims, is definitely more beneficial to consumers.
Guo's richest man 202 1 has done a very good job in this respect, with basic guarantee, which is very commendable!
If you don't know the criteria for choosing critical illness insurance that is worth buying? Let's look at this strategy:
"Good critical illness insurance long like this! You have been cheated for so many years ... "
3. Provide protection for high incidence and serious diseases.
According to China Cardiovascular Disease Report 20 17, cardiovascular disease is the first cause of death among Chinese residents, and nearly a quarter of Chinese people are affected by cardiovascular and cerebrovascular diseases.
Cardiovascular and cerebrovascular diseases, including heart disease and stroke, are characterized by "easy death, high incidence, easy recurrence and many complications".
In view of the above reality, China Life Insurance Co., Ltd. 202 1 provides additional compensation services, covering severe acute myocardial infarction and severe stroke sequelae, and can pay an additional 50% of the insured amount.
In the rest, China Life Insurance 202 1 also provides triple compensation for cancer and the guarantee of late cancer care.
According to the data of JAMA Oncology, the international top cancer magazine, the probability of secondary cancer is 25.2% among cancer people over 65 years old, even among young people, it is 1 1%.
To sum up, people who have suffered from cancer have a very high recurrence rate!
If the patient is very unfortunate and suffers from cancer again, the high medical expenses will definitely make these ordinary families on the verge of collapse!
Repeated payment for cancer can make patients not worry about this, make patients feel at ease in treating diseases, and give the insured a more adequate sense of security!
To sum up, China Life Insurance 202 1 can provide corresponding protection for these two high-risk and serious diseases, and effectively provide benefits for consumers. It's really good to look at this matter from the consumer's point of view.
Disadvantages:
1, long waiting period
In insurance, the waiting period is also called the insurance exemption period. If something goes wrong during this period, the insurance company will not compensate.
There are many insurance clauses like this. Without a certain understanding of these terms, there will be losses!
{What disease does China Life Insurance 202 1 cover? The shorter the waiting period, the better.
Now, the waiting period of critical illness insurance is 90 days, that is, the insured can enjoy all-round protection 90 days after the contract becomes legally effective.
The waiting period of China Life Insurance 202 1 is 180 days, which is just double that of other insurances! There is no benefit to the insured.
2. The protection of mild and moderate diseases is weak.
Judging from the current situation, the critical illness insurance generally pays 30% and 60% of the insurance coverage for mild and moderate diseases. The coverage of China Life Insurance 202 1 should be divided into 20% and 50%.
I really want to say that this guarantee is too bad!
Let's talk about the Versailles plus critical illness insurance introduced some time ago, in which the compensation for mild and moderate diseases can reach 45% and 75%!
In contrast, China Life Insurance 202 1 is a bit inferior.
3, the product cost performance is low.
The 30-year-old people are insured by China Life Insurance 202 1, with the insured amount of 300,000 and the payment for 30 years.
As can be seen from the protection map, the premium is 7k~ 1w a year, and the cost performance is extremely low.
The products of "big companies" generally have the defect of brand premium.
It should be noted that at the same price, you can choose products with more advantages in protection, and there is no need to pay special attention to the reputation of insurance companies.
Third, the summary of the senior sister
Specifically, China Life Insurance 202 1 is quite satisfactory, but the overall product cost performance is relatively low. Although the protection is comprehensive, the waiting period is long and the proportion of compensation for mild and moderate diseases is relatively low, which is still not worth buying.
If it is the crowd that pursues the brand of insurance company, you can consider configuration.
Those who pursue high prices can pay attention to other products on the market. Senior sisters have prepared the list. If you are interested, please click the link below:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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