Ping 'an Group Insurance critical illness insurance

Hello, the cost of critical illness insurance is different according to the types of critical illness insurance. At present, the critical illness insurance in the market can be mainly divided into return critical illness insurance and consumption critical illness insurance. Returned critical illness insurance provides critical illness protection when a critical illness occurs, and can also provide cash compensation when the policy expires. For example, a product launched by an insurance company promises to provide serious illness protection of up to 6.5438+0.2 million yuan and death protection of 250,000 yuan in case of illness, and can receive more than 200,000 yuan in cash without illness and enjoy dividends from the insurance company.

At present, most of the critical illness insurance on the market can be surrendered, and only a few are purely consumer. The premium of pure consumption critical illness insurance is lower than that of refundable critical illness insurance, and the difference between them is generally within 1 1,000 yuan.

The premium of refundable health insurance is much higher than that of savings insurance, which is suitable for people who buy insurance mainly from the perspective of investment and are really well-off. These people have a certain risk tolerance, and they can get extra income besides the basic guarantee. If the economic conditions are limited and the risk tolerance is poor, it is recommended to choose consumer insurance with cheaper premium. Generally speaking, family premium expenditure should not exceed 15% of investable assets. If it exceeds this level, it will affect the quality of family life.

I hope it helps you.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.