You can evaluate the health of Pacific Jinyou Life Insurance and Xinhua Life Insurance respectively C:
I. health section c
Worry-free C 1 is a product of Xinhua Life Insurance, which has two versions: the youth version and the adult version. Next, let's briefly analyze these two versions. For a more in-depth analysis, please click on the original text: What about China Life? Do you have any insurance recommendations?
As usual, look at the guarantee content first: (see the picture below)
Let's explain their advantages and disadvantages in groups, starting with the adult version.
It has the following advantages:
1. Anyone who meets the conditions of being diagnosed with serious illness or death in the previous ten years can get an additional 20% basic insurance coverage.
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. The annual premium of 65,438+0,000 is really unacceptable for ordinary families.
2. The claim amount for minor illness is too small. This 20% payment is really a little low, and it is not worthy of the premium of 1 000.
Then watch the teen edition.
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. The specific serious illness of teenagers has been added: If you get sick before the age of 30, and the illness meets both the specific illness and the serious illness of teenagers, then you will get 200% compensation.
Disadvantages are:
1, another point is that its payment term is only 20 years at the longest, and its leverage is relatively 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, the premium is really high. Not just the adult version. Children's version or even 0-year-old children buy 500 thousand insurance coverage and pay 6400 yuan every year.
The budget is sufficient, and those who prefer Xinhua can consider it. If you don't have much budget, here are several critical illness insurance with high cost performance: the inventory of critical illness insurance that the top ten insurance companies are "worth buying"!
Second, the life of Jinyou
It is said that Jinyou's life can make money while ensuring it. Look directly at its guarantee content:
Jinyou Life's product form is "single compensation for serious illness+three compensation for minor illness", and you can see others vomit every time. How does Jinyou Life Insurance compare with the popular critical illness insurance in the market? I sorted out the specific content in this article: the inventory of the top ten insurance companies' "worth buying" critical illness insurance!
From the analysis, we can know that it is not wronged at all, but it still has many shortcomings, such as the following shortcomings:
1, and the proportion of minor illness compensation is low.
Although this product covers 50 kinds of mild diseases and pays 3 times, it only pays 20% of the basic insurance amount for mild diseases. It is lower than the average level of 30% compensation for most people in the market.
2. Lack of protection for diseases in China.
In the absence of China's disease protection, excellent critical illness insurance in the market has increased the protection of China's disease, and compared with serious illness, China's disease and mild illness are often the precursors of serious illness, so it is necessary to prepare the protection of China's disease to reduce the cost of early treatment of serious illness.
3. Dividend protection is slightly poor.
Let's talk about Eugene's lifetime bonus: year-end bonus and year-end bonus.
Year-end bonus: As the name implies, it refers to the bonus you can get every year. Dividends will not be directly received by the insured, but accumulated in the policy, increasing the amount of critical illness insurance.
Termination bonus: paid at the termination of the contract, divided into caring bonus and special bonus. However, only one of these three kinds of dividends can be distributed.
4, the premium is expensive
It is not difficult to find from the above figure that if a male is 30 years old, his life insurance policy is guaranteed, and he will pay 500,000 yuan in 20 years and 19650 in one year, almost 20,000 years! It can be said that it is very expensive.
Summary: After analysis, we can know that this gold life is too expensive and the protection is not comprehensive. Purchase is not recommended. As long as the budget is sufficient, I am not afraid that there is no better choice. You can refer to this list: