1. What are the advantages and disadvantages of worry-free critical illness insurance?
First of all, let's take a look at the product guarantee diagram of Pentium's worry-free critical illness insurance:
As can be seen from the figure, worry-free is actually a combination insurance, which includes "critical illness insurance liability"+"mutual liability". Critical illness insurance covers 146 diseases, including 106 serious diseases and 40 mild diseases.
What is the content of carefree critical illness insurance? Let's continue to analyze its advantages and disadvantages:
(A) Advantages
1, the extra compensation for serious illness is very large.
Pentium's worry-free and serious illness insurance has sufficient compensation and certain advantages. If a serious illness is diagnosed for the first time before 6 1 year-old, you can also pay an additional 50% of the basic insured amount, which is equivalent to buying 500,000 insured amount and enjoying the guarantee of paying 750,000.
Many critical illness insurance in the insurance market have set up extra compensation. The payment ratio of Pentium worry-free critical illness insurance is at the average level of the market, which is quite brilliant.
2. Two kinds of risks can be added.
The main risk of Pentium is critical illness insurance, and the additional risk is old-age security, which can be returned at maturity. The simple understanding is that the insured is not out of danger before the end of the contract. As long as he is still alive when it expires, he can get the agreed premium return, and he can ensure that the principal is not affected and does not need to be settled.
What needs to be emphasized here is that Pentium's worry-free critical illness insurance can only pay a certain percentage of the premium paid, but can't pay the basic insurance amount.
There are quite a few products that pay premiums when they are minors and pay the basic insurance amount when they are adults. For example, Xintai's Super Mary 4 critical illness insurance.
Regarding the evaluation content of Super Mary 4, we can learn from this article: "What about Xintai Super Mary 4? An analysis! 》
(2) Disadvantages
1, insecure
The protection of worry-free critical illness insurance is really not enough. There is no guarantee not only for intermediate diseases, but also for some high-risk specific diseases.
It should be understood that the basic protection of critical illness insurance now includes mild, moderate and severe diseases. Ping An critical illness insurance products generally do not have the protection of moderate diseases, but this year's upgrade has also increased the protection of moderate diseases. It can be seen that the carefree setting is backward.
If you don't believe me, look at the upgraded Ping An Fu 2 1, which not only has the protection of 20 kinds of chronic diseases, but also has a friendly compensation ratio: "Ping An Fu 2 1 Critical illness insurance is coming! But these wretched operations have not changed! 》
In addition, the recurrence rate of cancer and cardiovascular and cerebrovascular diseases is extremely high. These two diseases are the top three causes of death in China and the top three claims data of insurance companies with high incidence and serious diseases (as shown in the following figure). For example, the recurrence rate of glioblastoma in malignant tumors is the highest, close to 100%.
We all know that cancer treatment is very expensive. This can provide a carefree second compensation guarantee responsibility, and can better help the insured to reduce the burden when necessary.
2, the premium is expensive
According to the official demonstration of Pentium's worry-free critical illness insurance, if a 0-year-old girl is insured with a coverage of 500,000 yuan, which will be paid in five years until she is 70 years old, plus two full insurance policies, the annual premium will be 1 1340 yuan, which is much more expensive than ordinary consumer critical illness insurance. However, the guarantee is thin, the annual premium is tens of thousands, and the cost performance is not high.
3. The longest payment period is only 20 years.
Generally speaking, the longer the payment period, the higher the leverage. In other words, the longer the optional payment period, the smaller the annual payment pressure. The longest payment period of Pentium's worry-free critical illness insurance is only 20 years, which is not competitive enough compared with other products with a payment period of 30 years.
Second, is worry-free critical illness insurance worth buying?
Generally speaking, Pentium's worry-free products pay extra for serious diseases, but the coverage of this product is very single, lacking the responsibility of middle disease protection and secondary compensation for specific high-risk diseases, and the protection is not comprehensive. In addition, the price advantage is not great, and the performance is very general.
If there are friends who want to start the critical illness insurance in the near future, it is recommended to compare and see more. If you don't know where to learn, you can refer to these. There is always one for you: newly defined critical illness insurance comments: these ten models are really excellent! 》
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