Centennial Life is now a listed company. But to buy insurance, the most important thing is not to see whether the company is listed, but to see the company's own products.
Some people may not have heard of Centennial Life, but it is still very famous in the insurance industry.
Asking about the company mainly depends on the products it sells. On the whole, the company's products are still superior to those on the market, and several products are hot-selling products, such as Kanghuibao flagship edition, Kanghuibao 2020 edition and so on.
Because the company mainly promotes many products, let's take his latest Baihuibao as an example: (see the picture below)
This insurance is a critical illness insurance with multiple claims. The most striking thing is:
1. Flexible protection: you can choose to protect until you are 70 years old, or you can choose lifelong protection. Whether it includes death protection and secondary compensation for cardiovascular and cerebrovascular diseases can be chosen by yourself.
2. Comprehensive protection: it includes not only serious illness, moderate illness and mild illness, but also pre-illness protection. If you pay more attention to specific serious diseases and cancer recurrence, you can add extra.
3. The insurance coverage is high: when the patient is seriously ill for the first time before the age of 60, the compensation ratio can be as high as 160%, far exceeding the industry average ratio. If you have chronic diseases, you can pay 60% of the insured amount, and the proportion of mild diseases can be increased by up to 45%, which is higher than most products on the market.
4. Reasonable grouping of serious diseases: Malignant tumors are not in the same group as other high-incidence serious diseases, so the probability of receiving multiple payments is greatly improved.
But this product still has some defects. For example, the responsibility for death is tied regularly. If you choose to insure until the age of 70, the responsibility for death is necessary. Because the space is too long, if you want to know more about the shortage analysis, please click on the original text to view:
On the whole, the protection of Baihuibao is still very good. Of course, you can also compare other products. I have specially compiled some critical illness insurance products with high cost performance for your reference: the inventory of critical illness insurance that the top ten insurance companies are "worth buying"!