There is no additional insurance, only the main insurance, that is, a critical illness insurance, including the liability for death is also included in the same insurance contract.
It seems that your understanding of this product is not in place. Let me tell you in detail ~
Worry-free C 1 is a product of Xinhua Life Insurance, which has two versions: the youth version and the adult version. Now, let's briefly analyze these two versions. Want to know more evaluation and analysis, you can click on the original text to see: How about China Life? Do you have any insurance recommendations?
As usual, look at the guarantee content first: (see the picture below)
In order to explain the characteristics of these two versions more clearly, we will explain them separately, starting with the adult version.
It has the following advantages:
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 unfortunately get one of the six specific serious diseases within the prescribed scope, you can get 20% extra compensation from the insurance company.
Its disadvantages are:
1, low cost performance: general guarantee and high price. Even some serious illness insurance on the market that claims many times does not have such expensive premiums.
2, a good critical illness insurance, the amount of compensation for mild illness is at least 30%. The compensation amount of this product is only 20% of the basic insurance amount, which is really not cost-effective.
Let's look at the teen edition again.
Its highlights are:
1, the coverage is comprehensive, and both severe and mild diseases are guaranteed, as well as specific serious diseases. If you are unfortunate enough to get a serious illness, you can get 20% more basic protection.
2. Increase the specific serious illness of teenagers: If you suffer from a disease that meets both the specific serious illness of teenagers and the serious illness of teenagers before the age of 30, the insurance company can give you 200% protection.
Disadvantages are:
1, its longest payment period is only 20 years, and its leverage is really 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.
However, expensive is really expensive. The adult version costs 1 more than ten thousand, which is not affordable for all families. 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 are more interested in cost performance have compiled some critical illness insurance with high cost performance for you: the top ten insurance companies' "worth buying" critical illness insurance inventory!