Have I made a comparison between China Life Insurance and China Ping An Insurance? Please see my answer below for details.
Old people are often helpless about the arrival of cancer. For the elderly over 60 years old, cancer prevention insurance is essential. People are more concerned about the anti-cancer insurance of China Life. We will briefly talk about their advantages and disadvantages through the following two anti-cancer insurances of China Life Insurance:
Take malignant tumor insurance in Ai Kang as an example;
1, cancer overpayment: malignant tumor overpayment, two or three times after the time interval reaches 3 years;
2. In-situ cancer protection: compared with in-situ cancer protection, the cure rate is high and the cost is low, and the basic protection can reach 30%;
3. The guarantee period is flexible: it can be guaranteed to 60, 70 and 80 years old.
However, the exemption is very strict: the premise of the late unpaid premium exemption is that the malignant tumor must be diagnosed and suffering from cancer in situ, and 30% of the insured amount will be paid, but the disadvantage is that it will be paid later.
As far as Ai Kang e sound is concerned, it can be seen that:
1, comprehensive protection: cancer in situ, cancer, death protection;
2. Protection of cancer in situ: The cure rate of cancer in situ is high and the cost is low, and 30% of the basic insurance amount can be paid after diagnosis.
But the disadvantages are obvious:
1, and the guarantee period is single: only life is selected, but short-term guarantee cannot be selected;
2. Age limit for insurance: The maximum age limit of 60 years old is too large, and people over 60 years old cannot be insured.
Therefore, a good anti-cancer insurance must have these three characteristics: comprehensive protection, including multiple claims;
Limiting the age will be very inconvenient for the insured to choose, so it is best not to limit it; The payment method must be flexible in order to benefit the insured.
As far as it is concerned, there are a lot of anti-cancer risks in the market. Referring to China Life's more straightforward view of products, how to judge whether products are suitable for you? What products are worth comparing and choosing? I recommend you to read this article: 10 Major insurance companies sell cancer insurance for the elderly.