Answer your question. There are 35 kinds of mild diseases guaranteed by Xinhua Health Care C, not 15 kinds. See the figure for detailed disease introduction:
{Label Xinhua Healthy Worry-Free c 1 Mild Diseases}
It seems that you don't know much about the introduction of this product I'll give you a detailed introduction and pay attention to the shortcomings! The problem is very big!
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)
Let's start with the adult version.
It is more attractive:
1, 20% extra compensation: If you were diagnosed with serious illness or died in the previous 10 years, you can get 20% extra compensation.
2. If you have six specific serious diseases such as brain cancer, leukemia and pancreatic cancer, you can also get the basic guarantee of 120%.
Its disadvantages are:
1, low cost performance: general guarantee and high price. The annual premium 1 000 is really unacceptable to ordinary families.
2. Most products on the market can pay 30% for minor illnesses. 1 10,000 premium, and only 20% of the claim amount for mild illness is bought, which is really not cost-effective.
Let's look at the teen edition again.
Its highlights are:
1, with additional protection for certain serious diseases. Suppose you have a specific serious illness, you can get an additional 20% protection.
2. Increase the specific serious illness of teenagers: If you are unfortunate enough to have a specific illness of teenagers before the age of 30 and meet the serious illness, you can get double the insurance coverage.
Disadvantages are:
1, the payment period is only 20 years to choose from, and the insurance leverage is somewhat 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.
But the price is not particularly ideal, it is too 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.
If there is enough budget, it can still be considered. Friends with limited budget can read this article: it summarizes some cost-effective products.