1. What about the products insured by everyone? I chose several products that everyone insured. Let's analyze whether they are good or not.
1) critical illness insurance
Draw a direct conclusion:
If you pursue paying more for serious illness: Le An You 100 The serious illness is divided into 5 groups, 35 kinds of mild illness, exemption and death, and the guarantee is basically enough. With sufficient budget, you prefer everyone's brand. You can consider this kind of critical illness insurance.
If the protection is comprehensive and flexible: the super-benefit protection covers serious diseases, moderate diseases and minor diseases. 100 for severe diseases 100%, 50% for 20 moderate diseases and 30% for 50 mild diseases. Specific illness and death protection can also be attached.
Let's take a look at the characteristics of each product separately:
Evergreen: This product guarantee is basically enough, and it is only paid once. There are not many bright spots and the price is not low.
At the same time, mild illness insurance lacks the high incidence of atypical myocardial congestion and is still not as good as similar products. If the budget is sufficient, dad suggests that you can also choose to guarantee more comprehensive overpayment of critical illness insurance.
E- peace of mind: this model can guarantee 70 years old or life, and also covers minor illness, serious illness, death protection and minor exemption. The premium is a little cheaper than evergreen, but the overall cost performance is average. But if you prefer everyone's brand and are not sensitive to price, this one can be considered.
Lean life: The biggest highlight of this model is multiple payments, 35 kinds of mild diseases, exemptions and deaths, and 100 kinds of serious diseases are divided into 5 groups and 5 payments, which is enough. However, there is no single group of cancers. Because if the cancer is paid, the same group of diseases will be lost.
If you pursue cost performance, you can compare the same type of products on the market, you can buy products with better protection with the same budget, and you can also get high protection with two single and critical illness insurance.
2) Medical insurance
If you are price-sensitive, pursue adequate protection: medical care is worry-free. Its biggest highlight is the six-year guarantee renewal, and the product can be renewed if it stops production and gets worse.
At the same time, the deductible is decreasing. If there is no claim in the previous year, the deductible can be reduced by 1000 yuan every year, and the minimum can be reduced to 5,000 yuan.
If we pursue comprehensive protection: Zhongan enjoys E-health 2020 with a coverage of 3 million yuan, and provides a number of value-added services, including proton heavy ion medical treatment, green medical channel, medical expenses advance, special medicine services, and can also choose family deductible.
For details about Zhonganxiang E-Health 2020, please click to read "Zhonganxiang E-Health 2020 in-depth evaluation, in-depth evaluation and analysis of popular millions of medical insurance".
If there is any abnormality in the body: there is only one health notice, as long as you have not suffered from cancer, uremia, severe aplastic anemia and other diseases, the underwriting conditions are very relaxed.
3) Life insurance
Because there is not much difference in the protection of life insurance products, dad will take a look at this life-saving performance alone.
Everyone can choose to raise Polaris to 60 or 70 years old and keep it for 20 or 30 years. The health notification for this product with an insurance amount of less than 2 million will be relatively loose, with only four articles. On the contrary, the coverage of more than 2 million is more stringent.
If you are a smoker, the premium will be more expensive than that of a non-smoker. For example, a 30-year-old male is insured for 1 10,000 until he is 60 years old, and the annual premium is about 17%.
From the perspective of premium, the price advantage is not great. If you pursue high cost performance, you can compare similar products.