Cancer is also a serious disease, and cancer is one of the serious diseases that must be guaranteed in all critical illness insurance.
It seems that you don't know enough about the health care series. Let me tell you in detail ~
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. Limited by space, we only make a simple analysis of these two versions. For more analysis and evaluation, you can click on the original text to check "Online saying Xinhua is unhealthy and carefree". Is it true?/You don't say. 》
As usual, read the contents of the guarantee first: (see right)
Let's explain it in groups. Let's start with the adult version.
The adult version is better:
1. Anyone who has been diagnosed with serious illness or died in the previous ten years can get the basic guarantee amount of 120%.
2, suffering from six specific serious diseases can also pay an additional 20%, such as brain cancer, pancreatic cancer, leukemia.
Its disadvantages are:
1, low cost performance: general guarantee and high price. The premium is about 65,438+0,000 yuan, and you can purchase multiple critical illness insurance with more comprehensive protection.
2, a good critical illness insurance, the amount of compensation for mild illness is at least 30%. In this product, the proportion of claims for mild illness is only 20%, and the price of sex is too low.
The advantages of the Youth Edition are:
1, comprehensive disease protection: both severe and mild diseases are guaranteed, and some serious diseases can be paid an extra 20% of the insured amount.
2. The specific serious diseases of teenagers have been increased: before the age of 30, if the diseases meet the specific diseases and serious diseases of teenagers at the same time, they can get 200% compensation.
Disadvantages are:
Another point is that the longest payment period is only 20 years, and the 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 price is too high. The price of a single payment for the adult version is similar to the price paid many times in the market. The 0-year-old boys and children's edition buys 500,000 insurance coverage and pays 6,400 yuan every year.
Suppose you like Xinhua brand very much and don't care about the price, you can consider buying it. Friends who pursue cost performance suggest comparing other products. You can refer to my top ten cost-effective critical illness insurance.
Answer finished, if helpful, still hope to adopt!