Is Centennial Life Condo Insurance good, what is the use, and how much is the premium?

Doing your homework before taking out insurance is essential, and the key things you need to know:【Must Read to Save Money】Which is the best critical illness insurance, and how to buy it cost-effectively?

Without further ado, let's go straight to the picture.

As you can see from the table.

1) Comprehensive protection. The coverage of Condo Insurance covers critical illness, moderate illness, mild illness, etc.

2) High payout for moderate illness. Twice pay, each paying 60% of the basic sum assured.

ButCompared with the more cost-effective critical illness insurance on the market, the grouping of this multi-payment critical illness insurance Kangduobao is not ideal, but it is better than the high compensation for moderate illness. If you are looking for more comprehensive coverage, it is recommended to choose a critical illness insurance plan with a single group for high-incidence cancers or multiple claims without groupingTop 10 Cheap and Good Price Critical Illness Insurance Inventory

Centennial Life Condo Insurance is a multi-payout whole life critical illness insurance. To a certain extent, it is indeed equivalent to an additional guarantee. However, due to the unsatisfactory grouping of diseases, compared with similar critical illness insurance, the cost performance is average.

Comparison table between Kangduobao and the 136 popular critical illness insurance in China

Centennial Life Condo Insurance is a critical illness insurance that can be used to protect the risk of illness, and if you are diagnosed with the agreed disease, you can receive a lump sum of money, and the specific premium needs to be calculated according to the age of the policy and the protection liability.

Nowadays, there are so many critical illness insurance products that people are dizzying, andCentennial Life BenefitWith the feature of "pre-condition protection", it stands out among many products, and if you want to know the specific reason, you can click the link below to understand:When I saw [Kang Huibao, the people all said that they were excited, and the pre-symptom protection of "no one has what I have", what is it?

Is Kanghuibao reliable, and what are the advantages and disadvantages? Is it worth buying? Let's take a look at the product evaluation chart:

1.Pros:

YesPre-existing condition benefitAt the same time, it covers mild, moderate and severe diseases, and the basic protection is very comprehensive.

Diagnosed with severe disease before the age of 60An additional 60% of the basic sum assured is paid, the payout ratio is relatively high.

YesCancer second compensation, optional cardiovascular and cerebrovascular second compensation,The rates of cancer and cardiovascular and cerebrovascular** are relatively high, so these two benefits are more necessary.

2.Cons:

Cancer secondary compensation isMandatory LiabilityMost of the other products on the market define the second compensation for cancer as an optional liability, so it is not so flexible, but this protection is necessary, so this disadvantage is not a big problem.

If the duration of coverageIf you choose to protect until the age of 70, you must choose death benefitIn this case, the premium will be more expensive.

After reading the product evaluation table and the analysis of advantages and disadvantages, we found that the protection of Kanghuibao is relatively good, and the problem of disadvantages is not very big, overallThe value for money is still good, recommended by senior sistersPay attention to the protection of pre-existing conditions and pursue comprehensive protectionof friends

The Comvibo series of products are all critical illness insurance. Kanghuibao is the latest product in this series To know whether it is worth buying, there must be a comparison to have an advantage

The same excellent critical illness insurance summarized earlier is for referenceTake a look at the top 10 popular critical illness insurance policies worth buying

Pick a few high-quality critical illness insurance and Kanghuibao on the market and compare them to see if it is worth buying

From the point of view, there are three main points worth our attention:

Pre-existing condition benefitThis is truly a unique advantage of Combebo. And the coverage is comprehensive, and the cost performance is very high If there are 2 additional cancer compensation liabilities, the replacement will be calculated

2) Hengqin Life Preferential Treasure, the lowest rate for women, and the interval between cancers is relatively short.

3) Three Gorges Iron Warrior No. 1, the lowest rate for men, comprehensive basic coverage, and also includes 2 cardiovascular claims and 2 cancer claims.

There is quite a meaning of fairy fighting, of course, perfection is impossible to be perfect. Cost performance is the king of our selection of products, as for the defects, it does not affect the purpose of the original purchase of the product

Comvi is underwritten by Centennial Life Insurance****. **Excellent performance in indicators such as index and insurance flexibility. This product has comprehensive disease coverage and strong practicability, which is the absolute advantage of Kanghuibao.

So, what are the disadvantages of Kanghuibao critical illness insurance, this article has a detailed interpretation of "Kanghuibao vs. Super Mario 2 MAX, what are the advantages and disadvantages of each?" 》

Yu Daddy Bao.

1. Critical illness protection

The latest version of Comvi Insurance covers 100 critical illnesses, paying 100% of the basic sum assured; And if a critical illness is diagnosed before the age of 60, an additional 60% of the basic sum insured can be paid, which is very sufficient.

2. Mild and moderate illness protection

The latest version of Kanghuibao has 25 kinds of moderate diseases, which are not grouped, and can be paid twice without interval, and 60% of the basic sum insured will be paid each time;

There are 48 types of minor illness insurance, which can be increased by 3 times without grouping, and % of the basic sum insured will be paid in turn, without interval.

From the perspective of the compensation ratio, the sum insured for moderate and mild diseases is not low, which is comparable to the level of similar products on the market.

Of course, if you want to deliberately pursue high payouts for mild to moderate diseases, you can pay attention to Worry-Free Life 2020.

3. Pre-existing condition protection

Pre-existing condition benefit is a new benefit of critical illness insurance, which is the precursor to mild illness.

Let's take a look at the definition of pre-existing conditions in the terms of Comvibo:

in the terms of insurance.

The latest version of Comvibo covers 12 pre-existing conditions, as shown in the figure below

on the Internet.

If you suffer from the above precursors, you can get a 15% basic sum assured payout, which will be paid once.

For example, if you insure 500,000 yuan of insurance, if the insured suffers from pulmonary nodules, you can get a compensation of 10,000 yuan.

4. Second compensation for malignant tumors

The latest version of Kanghuibao includes the second compensation benefit for malignant tumors, which is a mandatory basic benefit, without additional additions, and the protection strength has not been attenuated compared with most products.

If the first critical illness is malignant and the diagnosis is re-diagnosed after 3 years, 120% of the basic sum assured will be paid.

If the first critical illness is not malignant and the malignant tumor is diagnosed after 180 days, 120% of the basic sum assured will also be paid.

Internet celebrity insurance company, Centennial Life absolutely no 1. Under its leadership, the new critical illness insurance of various insurance companies in the past two years is like a fairy fight. As the leader of Internet celebrity critical illness insurance, Hua Dan has been quite low-key some time ago, but recently, she has made a big move and is about to launch a new critical illness product:

Kang Huibao, if you want to say how his previous product was, here I just have a review article that I wrote before:Centennial Kanghuibao Ultimate Edition How is it, is it good or not, is it worth buying

Let's take a look at the basics first:

As you can see from the figure, the characteristics of Kanghuibao;

Pros:

1.Comprehensive coverage and high additional payouts:Covers critical illness, critical illness, mild illness, and pre-existing conditions.

The second claim for cancer can choose death liability or cardiovascular second pay, and its additional claim ratio for critical illness reaches 60%, which can be said to be one of the highest in the industry. I also have a list of products with a high critical illness payout ratio here, if you are interested, you can take a look:Critical illness insurance with a high payout ratio

2.Pre-existing illness insurance benefits:Pre-symptoms are milder than mild diseases, which can be prevented and controlled, and if not intervened early**, they are likely to develop into serious diseases, such as cancer.

The simple understanding of the pre-existing disease insurance premium is the diagnosis of the 12 pre-existing diseases agreed in the contract, and the implementation of **, you can pay 15% of the basic sum insured, and a highlight is that the pre-existing disease can be exempted from the premium, which is a great news.

3.The conditions for the second compensation for malignant tumors are goodIf you have cancer and still have cancer after a certain period of time, you can get a second claim.

For the first time with cancer, the interval is only 180 days and 3 years, regardless of **, new, metastatic or continuous, and the benefit ratio is 120% of the basic sum assured.

Cons:

1. The waiting period is too longCritical illness products on the market today generally have a 90-day waiting period, while Huikang Insurance requires 180 days. From the point of view of the insured, the shorter the waiting period, the better.

2. The second compensation for cancer is a necessary responsibilityIt must be bound to the secondary compensation of malignant tumors and the insurance benefits of precursor diseases, and the Kanghui Insurance version has turned these two responsibilities into its own responsibilities, not optional responsibilities.

As for what other disadvantages Kanghuibao has, here is a detailed explanation, you will know after reading it:After seeing this shortcoming, I don't want to buy [Kanghuibao] anymore

Let's compare it with other products with similar coverage in the table below to see how cost-effective it is.

The coverage content of these three products is similar, including severe, moderate and mild diseases, and the proportion and number of claims are not up or down, and they all make secondary compensation for malignant tumors and cardiovascular. However, the most adequate amount of insurance is Kanghui Insurance, which pays 160% at the age of 60, and there are many types of protection. From the point of view of premium, Kanghuibao also has advantages, after all, there is additional protection for pre-existing conditions, and other aspects also meet our needs.

Judging from the chart, its ** can not be regarded as the cheapest in the industry, and it is not much different, the annual premium is a few hundred yuan more expensive, but don't forget that it has precursor protection that no one else has, so it can also be called a cost-effective product.

As an Internet celebrity in online sales products, Kanghuibao won it as soon as it appearedA good reputation that everyone praises。Is it really that strong? and other products PK to know whether it is real or not.

The senior sister made a comparative analysis table of the current popular critical illness insurance and Kanghuibao, which was presented to the subject more intuitivelyComparative analysis of Kanghuibao and 135 popular critical illness insurances

In order to better understand the insurance liability of Kanghuibao, I have also sorted out some of its protection contents.

Highlight 1: The guarantee content is complete

In addition to the basic coverage for critical illness, moderate illness, and mild illness, there are:The second compensation for malignant tumors is more unique for pre-existing conditions, all-round disease protection for the insured. AlsoIt can flexibly add secondary compensation for 12 kinds of cardiovascular and cerebrovascular diseases.

Highlight 2: High payout ratio

Kanghuibao's compensation ratio can be said to be the best in the critical illness insurance marketIf a critical illness is diagnosed before the age of 60, there will be an additional 60% benefitIn additionModerate illness coverage also has a high payout ratio of 60%., mild illness or progressive payout,Pays % in turn

Highlight 3: Strong protection for pre-existing conditions

In fact, pre-condition protection has long appeared in some offline products of Centennial Life, but in terms of online products, it is indeed unprecedented, so this is also the biggest highlight of Kanghuibao. A pre-existing condition is a disease that is milder than a mild disease, but has a high probability of causing a serious illness.

For more information about the definition of pre-condition protection, I explained it in detail in this article, and the subject can understand it first: What is the pre-condition protection that "no one has me" after seeing [Kang Huibao?

Diseases such as pulmonary nodules, atypical hyperplasia of the breast ductal epithelium, and cervical intraepithelial neoplasia are actually very common in our lives. Taking lung nodules as an example, if a lung nodule is detected, if there is a tendency to become larger during the follow-up process, doctors will often recommend thoracoscopic minimally invasive surgery to remove the nodule in order to prevent the risk of cancer.

For diseases,It is best to detect it early and early, so the protection of pre-existing conditions is encouraging and practical for consumers!

After seeing so many highlights, isn't it very exciting, and slow, senior sister thinks that no product is perfect, you still have to take a look at this article first:After seeing this shortcoming, I don't want to buy [Kanghuibao] anymore

Overall, Kanghuibao is really a good product, comprehensive protection, the premium is also affordable to the general public**, cost-effective, and itsThe insurance threshold is relatively low, and the requirements for smoking, alcoholism, and previous hospitalization are not strict.

As soon as it was listed, with its unique pre-condition protection, Kanghuibao swept a large number of critical illness insurance products, and the scenery is unlimited! But what the product is, you still have to compare to know! Let's take a look at how Comhuibao compares with the popular 136 critical illness insurances.

Comparison table between Kanghuibao and 136 popular critical illness insurance in China

Comvibo is a single-payout critical illness insurance policy, which is the same type as Darwin 3 and Super Mario 3 Max. Let's take a look at how the protection of Comvi Bao is?

Compared with other critical illness insurance, there are three main advantages:

1. Pre-Founding Condition Protection:Antecedents are early mild illnesses that are easier to claim.

Kanghui Bao covers 12 kinds of pre-conditions, up to 1 claim, 15% of the sum insured, about 12 kinds of pre-conditions, see the figure below:

Taking the sum insured of 500,000 yuan as an example, if the insured suffers from one of the above 12 pre-existing conditions, he can get a compensation of 15% of the basic sum assured, that is, 10,000 yuan. I have to say that Kanghuibao's pre-condition protection is really very humane!

2. Additional 60% compensation for critical illness:Taking the sum insured of 500,000 yuan as an example, if you unfortunately get a critical illness before the age of 60, you can pay an additional 300,000 yuan.

3. High proportion of compensation for mild and moderate diseases: Mild diseases such as carcinoma in situ will be compensated at 40% of the sum insured, while moderate diseases such as moderate stroke will be compensated at 60%.

Own Cancer 2 Claims:There are two ways to pay for the second cancer claim of this product:

If the first critical illness is not cancer: if cancer occurs after an interval of 180 days, the sum insured will be doubled;

If the first critical illness is cancer: If you are diagnosed with cancer again after an interval of 3 years, you can also double the sum insured.

Having said so many advantages of Kanghuibao, some people will definitely ask, is it not disadvantageous? Absolutely, because no product is perfect. I have analyzed the shortcomings of Kanghuibao in this article:

After seeing this shortcoming, I don't want to buy [Kanghuibao] anymore

Although Kanghuibao also has some small shortcomings, the flaws are not hidden, and there is a reason why Kanghuibao is so popular