Do you know the general form of critical illness insurance products on the market? It is suggested to refer to this article before reading the evaluation of senior sister, so that everyone can have a general understanding of the product appearance on the market and compare it with each other!
Comparison Table of Domestic Popular 136 Critical Illness Insurance
1.202 1 How about the protection of critical illness insurance?
Senior read these ten pages of insurance clauses, but it took a long time and was very complicated. Let's take a look at the product information map made by senior sister, so that we can better understand the 202 1 critical illness insurance of Anhao Life Insurance.
As can be seen from the figure, the critical illness insurance of Anhao Yisheng 202 1 includes three major guarantees: critical illness insurance, minor illness insurance and insurance exemption insurance. Let's take a look at them separately:
1. There is no extra compensation for critical illness protection.
Anhao Lifetime 202 1 Critical illness insurance covers 1 0 kinds of critical illness,1compensation opportunity, 100% guarantee. This kind of guarantee is very common in basic guarantee.
However, it can't compare with other commodities at all. Outside, there are many critical illness insurance products with additional critical illness protection compensation. Before the age of diagnosis is X, extra compensation will be paid. Some serious illness insurance has an extra payment of 80% of the insured amount.
Understand that the compensation for 180% coverage is not small. If you have a critical illness insurance with a coverage of 500,000, you will get 900,000. No matter what the disease is, don't worry about the cost of treatment.
2. Lack of TCM protection
Even though the basic purpose of critical illness insurance is to provide protection for major diseases, the current trend of critical illness insurance is to combine serious and minor diseases into basic protection, but the critical illness insurance of Anhao Yisheng 202 1 does not include the protection for middle diseases.
When the disease develops into a serious disease, we have to go through the pathological stage of chronic diseases, allocate the protection of chronic diseases, reduce the requirements for claims, and we are more likely to get compensation. Otherwise, although you are suffering from a certain disease, but you have not reached the stage of serious illness, you will not be able to claim compensation, and you need to pay for the treatment yourself. Unfortunately, Anhao Life's 202 1 critical illness insurance lacks middle illness protection.
3. Minor illness exemption
Exemption means that if the insured unfortunately suffers from the disease stipulated by the insurance company during the insurance period, then he does not need to continue to pay the follow-up premium, and the protection can continue.
Anhao Lifetime 202 1 Critical illness insurance includes minor illness exemption in the protection. If you suffer from a minor illness written on the insurance policy, you can avoid paying the premium again, which is a little warm for consumers in crisis. Suppose it is better to add the protection of serious illness exemption, and some serious illness insurance will do.
The insurance premium is very cheap.
A 30-year-old male buys 202 1 of critical illness insurance for Anhao Yisheng, and pays 2 100 yuan every year. After 30 years, he can enjoy a coverage of 200,000 yuan to guarantee his life. Generally, the premium of critical illness insurance is around tens of thousands, or five or six thousand. It's rare to find such a low price as Anhao Lifelong 202 1 Critical Illness Insurance.
For reasons of space, Senior Sister will not analyze the other contents of Anhao Yisheng 202 1 Critical Illness Insurance in detail. If you want to know more about this product, please read this article:
What is the cost performance of the newly launched "Anyi Haosheng 202 1 Edition"? An article tells you "
2. Is Lian Life Insurance 202 1 Critical illness insurance worth starting with?
Anhao Yisheng 202 1 Critical illness insurance is an additional insurance, so you need to buy the main insurance whole life insurance. If this insurance combination is suitable for purchase, you can look down ~
Because the form of insurance products has been changing, the combination of whole life insurance and critical illness insurance can also be seen in the insurance market, which is very popular. If you don't know whether it is more cost-effective to buy critical illness insurance alone or combined products, the advice of senior sister is written below:
1. Investment users
If you pay more attention to investment, this whole life insurance additional Ping 'an life insurance 202 1 critical illness insurance is more suitable for you.
Although the combination will lead to an increase in premiums, it is more comprehensive in terms of protection and more suitable for those who have savings and pay attention to the return on investment. In the early stage, it not only has the function of similar reserves, but also has the protection of various serious diseases. That is to say, if you put a sum of money in the bank for financial management, you can not only get a guaranteed dividend, but also increase compound interest, and even get a dividend every year. Later, with the growth of age, the amount of insurance will increase and the security will be higher.
2. Users with tight budgets
If your budget is not enough, it is not recommended to buy this combination insurance. Although this kind of combined insurance can really give better protection to the insured, its price is relatively high, and it will also become a burden if the family is financially nervous. For these people, it is better to buy critical illness insurance separately, which can be well protected and the premium is relatively low.
On the whole, Anhao Life's 202 1 critical illness insurance is a bit low in cost performance, insufficient in protection, lacking in medium illness protection and the extra payment of critical illness insurance owned by excellent critical illness insurance, and it is not worth buying.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has arranged a lot of critical illness insurance with great value for money and thick protection. You can choose the best one here:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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