Answer your question. 57 years old, only women can buy it. Oh, men can't get insurance. 57-year-old female, with insurance coverage of 200,000 yuan, payment period of 10 year and annual premium of 2 1.460/ year.
It is really expensive, and it is healthy and worry-free. This product is really cost-effective. Please listen to me carefully-
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 view China Life Insurance, OK? Do you have any insurance recommendations?
As usual, look at the guarantee content first: (see the picture below)
For convenience, let's talk about it one by one. Let's talk about the adult version first
The adult version does a good job in these aspects:
1. As long as you are unfortunately diagnosed with serious illness or death in the first ten years, Xinhua Life Insurance Company will give you an extra 20% of the basic insurance coverage.
2. People suffering from six specific serious diseases can get the basic security of 120%.
Its disadvantages are:
1, low cost performance: general guarantee and high price. The premium of 10000 can be the insurance premium price owned by some families.
2. The compensation amount of minor illness protection is far lower than most products on the market. The compensation for minor illness of this product is only 20% of the basic insured amount. Seriously, it's not worth it.
Let's look at the teen edition.
Its highlights 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 illness of teenagers has been increased: if you suffer from a specific serious illness of teenagers before the age of 30 and meet the type of serious illness, you can get double insurance coverage.
Disadvantages are:
1, the payment period is only 20 years to choose from, and the insurance leverage is somewhat 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 really high. Not all families can afford the adult version. Children's version or even 0-year-old children buy 500 thousand insurance coverage and pay 6400 yuan every year.
If there is enough budget, it can still be considered. If you don't have much budget, here are several critical illness insurance with high cost performance: the inventory of critical illness insurance that the top ten insurance companies are "worth buying"!