How about Xinhua Life Insurance Health Worry-Free Edition?

The insurance market has always been a hundred flowers blossom and a hundred schools of thought contend, and the renewal iteration of insurance products is also quite fast. The market competition is so fierce that any insurance company will definitely lose its foothold in the market if it starts selling old products a long time ago. Therefore, innovation in the insurance industry is not necessarily important, but innovation must be very important. Let's talk about the health insurance of Xinhua Life Insurance. Every generation is more and more new. Now, health care has been upgraded from health care C 1 to health care (exclusive edition). Next, let's take a look. How about this insurance product?

The most important critical illness insurance is definitely critical illness protection. In this regard, the CIRC has clearly stipulated that 25 kinds of high-risk and serious diseases must be covered, which have accounted for more than 95% of the critical illness insurance in payout ratio. Therefore, the critical illness insurance on the market basically includes these 25 kinds of critical illness. In addition to these 25 serious diseases, Worry-Free Health (exclusive edition) also lists some serious diseases, 35 mild diseases and 85 serious diseases, totaling 120 diseases, which basically covers most of the problems that we may encounter in our lives.

In terms of insurance payment, 35 kinds of mild diseases will pay 20% of the insurance premium in advance, and mild diseases will pay up to three times without affecting the total insurance premium. 85 kinds of serious diseases can be fully insured once they are diagnosed. In addition, there are six specific diseases, including bone cancer, brain cancer, pancreatic cancer, leukemia, major organ transplantation or hematopoietic stem cell transplantation, and coronary artery bypass grafting. If the insured suffers from any of these six specific basic diseases, the insurance company will pay an extra 20% of the insured amount, which means an extra 20% on the basis of the original insured amount. If a serious illness was diagnosed before 10, an additional 20% will be paid.

At the same time, Xinhua Life Insurance Company also introduced additional specific cardiovascular and cerebrovascular diseases to match the main insurance (exclusive edition). If it is diagnosed as 15 mild cardiovascular and cerebrovascular diseases listed in the contract, 20% of the insured amount can be obtained, and 18 severe cardiovascular and cerebrovascular diseases can be paid in full.

Finally, the biggest highlight is that the premium has been paid for less than one year. On the basis of the original health insurance C 1 model, health insurance (exclusive version) not only provides more protection, but also enjoys one-year direct premium exemption, which is a great temptation for people who want to buy critical illness insurance but think the premium is too expensive.