Comment on Eugene's Life and Guo Shoufu respectively;
First, the longevity and happiness of the country.
There are several versions of China Life Insurance, and its China Life Premium Edition is the latest upgraded version of critical illness insurance. For other detailed analysis of this product, you can have a look if you are interested: Top Ten Insurance Companies' Hot Critical Illness Insurance Inventory!
The following is a detailed comparison between the old and new versions of China Renshou:
Compared with other editions of China Life Insurance Fuzhen, China Life Insurance Fuzhen Exclusive Edition has been upgraded.
As we can see from the picture, compared with the first two editions, the exclusive edition of China Life Fuzhen has the following differences.
1. Seriously ill
The number of critical illness protection diseases in the exclusive edition of China Life Fuzhen has increased from 80 to 100, which is not eye-catching, and the exclusive edition is also 100. Needless to say, the increased 20 diseases are not high-risk diseases. Therefore, the upgrade in this area is relatively general.
2. Mild symptoms
(1) The number of people compensated for minor illnesses has increased compared with the past. Compared with the previous edition of China Life Insurance, the number of minor illness payments is changed to three, and there is no payment interval.
(2) The protection of mild diseases is dominant. China Life Insurance Fuzhen Exclusive Edition covers high-risk and mild diseases such as mild stroke and coronary intervention, but unfortunately, renal failure is not covered by mild diseases.
The above contents are the differences between the exclusive edition of China Renshou Fuzhen and other editions. Although there is progress, there are still some places that are not good enough.
For example, the proportion of minor illness compensation is low.
The proportion of minor illness compensation in the exclusive edition of China Life Insurance Fuzhen is the same as that in the previous two editions, but it is still not good enough compared with the proportion of minor illness compensation in the market, which is mostly 25%-30%.
Second, the life of Jinyou
Eugene's life is said to be both safe and profitable. I don't want to say anything more. The safety map is shown as follows:
The product form of Jinyou's life is "single compensation for serious illness+three compensation for minor illness", which has been constantly vomited since its launch. What is the actual situation? For more information, please refer to this article:
After reading the above analysis, it is obviously not nonsense, but it still has many shortcomings, such as the following shortcomings, which are really obvious:
1, and the proportion of minor illness compensation is low.
Although this product covers 50 kinds of mild diseases and pays for them in three times, the amount of compensation for mild diseases is only 20% of the basic insurance amount. It is lower than the level of ordinary critical illness insurance in the market by 30%.
2. Lack of protection for diseases in China.
There is still no guarantee of getting sick. At present, many serious illness insurance products have included the protection of middle illness, and compared with serious illness, middle illness and mild illness are often the precursors of serious illness, and middle illness protection can well alleviate the cost of early treatment of serious illness.
3. Dividend protection is slightly poor.
There are two kinds of dividends in Jinyou's life: annual dividend and final dividend.
Year-end bonus: As the name implies, it refers to the bonus you can get every year. Dividends are not paid directly to the insured, but accumulated in the policy, which can increase 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
As can be seen from the above table, a life insurance policy, a 30-year-old male, has a 20-year coverage of 500,000 yuan and an annual premium of nearly 20,000 yuan, which is very high! It can be said that it is very expensive.
Summary: In terms of overall protection, Jinyou Life Insurance is not only not comprehensive enough, but also relatively expensive and cost-effective. If you have the budget to buy Jinyou life, you can buy other better products. This list is for your reference: