1. Who can buy the critical illness insurance of Xinxing Xiangyin? Look at the insurance rules of this critical illness insurance first:
Insurance age: 30 days -60 years old
Guarantee period: to 80 years old/for life.
Payment term: wholesale payment, 5/ 10/ 15/20/30 years.
Insured occupation: 1-4
Waiting period: 90 days
The insurance rules of this product are similar to most critical illness insurance.
Second, what is the critical illness insurance protection of Xinxing Xiangyin?
After reading the insurance rules, let's take a look at the specific protection content:
1 16 kinds of serious illness insurance premium: 1 time, 100%, 1-9 year 30%, 10-20 year 50%;
Optional responsibilities:
Mild/moderate disease protection:
(1)25 kinds of China disease insurance premiums: 50% of the insured amount, with a maximum of two payments; Payment for each chronic disease 1 time;
(2) Insurance premium for 40 kinds of mild diseases: pay 35% of the insured amount, up to 3 times; Each small disease limit 1 time;
Let's take a look at the protection of rising stars for high incidence and mild illness:
It can be seen that the high incidence of mild and moderate diseases is guaranteed, and several diseases are guaranteed for mild and moderate diseases.
Multiple liability: There are four guarantees to choose from:
(1) Second and third payment of critical illness insurance.
(2) Multiple additional payments for malignant tumors (that is, multiple payments for cancer, including new occurrence, recurrence, persistence and metastasis of cancer)
(3) Extra insurance for acute myocardial infarction.
(4) After stroke sequela, pay extra insurance money for many times.
Their specific compensation conditions are as follows:
Special care for death insurance: 20% of the insured amount will be paid after being diagnosed with a serious illness and dying 1 year;
Death/total disability/terminal illness protection: 18 years old, pay 100% of the premium paid; After 18 years old, pay 100% of the insured amount;
Premium exemption: If the insured suffers from mild/moderate illness, the unpaid premium will be exempted and the protection will still be effective; If you have the additional responsibility of paying for many times, if you are seriously ill, you can also be exempted from unpaid premiums;
The coverage of Fosun and Xinxing Xiangyin's critical illness insurance is diverse and flexible.
50% of the insured amount can be paid additionally in the first 20 years, and 1.30%- 1.50% of the insured amount can be paid additionally for each multiple liability, and the interval is reasonable. The guarantee content looks good, so let's take a concrete look at the comparison of its various guarantee responsibilities.
Thirdly, the comparative analysis of different protection responsibilities of the emerging critical illness insurance of Xiangyin.
Although there are many optional responsibilities printed on the new star photo, not all of them can be freely combined. For example, when there is only serious illness protection, additional death responsibility is needed. Here, Shen Lanjun chose several combination types to compare their protection and price:
As shown in the above table, the simplest type of protection (serious illness+death) is more than twice as expensive as full liability. However, the content of protection is not bad, and the amount of extra compensation is relatively high. Let's see how it compares with other products and how cost-effective it is.
4. Is the critical illness insurance of Xinxing Xiangyin worth buying?
Shen Lanjun chose several kinds of critical illness insurance that are popular in the market for comparison:
Draw a direct conclusion:
In contrast, the price of the new star phase is much more expensive and the cost performance is average. Although its cancer can be compensated twice, this guarantee is not worth that much money. Compared with other products, the overall security content does not have much advantage.
If the pursuit of cost-effectiveness: you can consider a hundred years of over-insurance, and the serious illness group can pay 5 times. Other guarantees are also good and cost-effective; Additional cancer is paid in two installments, and the price is not expensive, only 7%-11%;
To be comprehensive: Guardian 3 and Bejixing performed very well in many products that were not distributed in groups; Among them, the female price of Guardian 3 is very advantageous, the proportion of compensation for mild and moderate diseases is high, and children with special diseases are guaranteed by 150%;
If you want to know more about the overpaid critical illness insurance products, you can go to Deep Blue Insurance official website to check my article: Pay 20 PK more, which is the best?
If the budget is limited, you can also consider consumer critical illness insurance, which can get good protection as long as several thousand yuan a year. Want to know the evaluation of critical illness insurance, you can go to official website.
Extended data:
Deep Blue Insurance official website's article "Is Fosun's emerging Xiangyin critical illness insurance guaranteed? How to choose additional responsibility is better? 》