According to the Empirical Incidence Table of Major Diseases in China Life Insurance Industry (2006-20 10) and the Empirical Life Table of China Life Insurance Industry (2000-2003) issued by China Insurance Regulatory Commission, the proportion of China residents suffering from major diseases in their lifetime is 73.87% for men and 68.79% for women.
Under this background, the series of critical illness insurance products of Xinhua Life Insurance Company were grandly launched. On August 24th, a series of critical illness insurance products were launched, including "Healthy Worry-Free" A critical illness insurance, "Healthy Worry-Free" B major illness protection plan (consisting of "Healthy Worry-Free" old-age insurance and additional "Healthy Worry-Free" B critical illness insurance) and "Healthy Worry-Free" C critical illness insurance, aiming to provide customers with affordable and guaranteed quality critical illness insurance.
The "Health and Worry-Free" series products have distinctive features, including four advantages:
First, the guarantee is comprehensive. On the basis of 60 major diseases, it also provides up to 15 common mild diseases, such as extremely early tumors and mild strokes. It is beneficial to the early diagnosis and treatment of patients and improves the cure rate.
Second, the price is affordable. All three products are market-oriented products, and the benefits are tilted towards customers, so that customers can afford them and have security. In particular, the "Worry-Free Health" A insurance product is designed with internationally accepted pure protection clauses, and some customers can enjoy serious illness protection as high as 200,000 yuan for less than 10 yuan every day. (The above price depends on the specific product and the insurance age of the customer, subject to the formal terms. )
Third, the terminology is flexible. The three products are designed in three forms: fixed-term, fixed-term and life-long, providing customers with the guarantee period including expiration and age, from 10 to life-long, which is convenient for customers to choose flexibly according to their actual situation.
Fourth, the insurance is simple. Based on the purpose of optimizing customer experience and the concept of trusting customers, Xinhua Life strives to reduce the burden of underwriting and physical examination by optimizing the insurance process and risk control means.
Insurance case: Good insurance escorts a happy life.
What about the new series of "health and worry-free" critical illness insurance products? You can learn more about the series of "Health and Worry-Free" critical illness insurance products through insurance cases.
Ms. Lin, 25, works in a bank. Knowing that health insurance is very important, she decided to buy an insurance policy, so that she can have high sickness insurance before she retires. After comparison, she chose Xinhua's "health and worry-free A critical illness insurance". She decided to spend 4640 yuan a year, that is, less than the price of a mobile phone, to get 60 kinds of major diseases protection, 400 thousand coverage for 30 years, and at the same time enjoy 15 kinds of minor diseases protection, 80 thousand coverage and 400 thousand death protection. (The case is for reference only, and the specific responsibilities and rates are subject to the formal terms and rates. )
Mr. Li, 30, is the breadwinner of the whole family. He hopes to have a health insurance before he retires. The reason for choosing Xinhua's "Health and Worry-Free B Major Disease Protection Plan" is: sickness protection, no refund for illness. He chose the payment method for 20 years. The annual premium of the main insurance and supplementary insurance totaled 2,350 yuan, and he obtained 60 kinds of major diseases with the coverage of 65,438+million yuan. In 30 years, he also enjoyed 654.38+05 kinds of minor diseases with the coverage of 20,000 yuan and death protection of 65,438+million yuan. At the expiration of the insurance period, if Mr. Li does not have an insurance accident, he can get the actual payment of 47,000 yuan due as the main supplementary insurance premium. (The case is for reference only, and the specific responsibilities and rates are subject to the formal terms and rates. )
Ms. Zhang, female, aged 30, is a government civil servant. She is worried about the financial burden in the event of a major illness and wants to add a guarantee to herself. After comparison, she took a fancy to Xinhua's "health worry-free C critical illness insurance". She chose the payment method for 30 years, with an annual premium of 4.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.