Health Care Carefree New China Insurance issue age

Now there is a new health carefree B model, which can protect 15 kinds of minor illnesses and 60 kinds of serious diseases, and the critical illness will continue to be valid after the minor illness is paid, and the premium will be refunded when it expires, and it can be purchased at the age of 18-60.

Health Carefree New China Insurance policy age: 18-60 years old.

Health Worry-Free Section C (Teenager) is a single-payout critical illness insurance, or the old saying, whether the product is good or not, look at the terms:

1. Critical illness liability;

85 types of critical illnesses, 1 claim, basic sum assured; Critical illness and death can only be compensated for one item.

Judging from the content of the terms, there are 25 kinds of critical illnesses stipulated in the unified regulations, and the rest are formulated by the insurance companies themselves, and like most critical illnesses, there is no obvious age limit except for a few people over 3 years old who can make claims.

2. Liability for mild illness;

35 types of mild diseases, 3 claims, 20% of the sum insured; There is no benefit interval between the two critical illnesses, and there is no grouping. The 20% compensation ratio is really not high, judging from the content of the terms, there are 7 mild diseases with high incidence, and the minor stroke clause is no disability and no compensation.

3. Liability for death;

If you die before the age of 18, the premiums paid will be paid; In the event of death after the age of 18, the basic sum assured will be paid.

4. Insurance benefits for specific serious diseases;

If the first critical illness is a specified critical illness, an additional 20% of the sum insured will be paid as a specified critical illness insurance benefit in addition to the critical illness benefit. Specified illness insurance for teenagers.

5. Juvenile specific disease insurance;

15 types of specific critical illnesses for teenagers, 1 claim; Before the age of 30, if you suffer from the agreed specific critical illness for teenagers for the first time, the basic sum insured will be paid, and the contract will continue to be valid; Before the age of 30, if the juvenile suffers from the agreed specified critical illness for the first time and meets the conditions for critical illness, the critical illness insurance benefit will be paid and the juvenile specific disease insurance benefit will be paid, and the contract will be terminated.

If the insured suffers from a minor illness or a specific juvenile illness during the contract period, the subsequent premium will be waived.

The senior sister concluded that the advantage of the youth version lies in the protection of specific diseases for teenagers, however, the bright spots alone cannot blind the eyes of the senior sister, and you must also grasp the shortcomings of the youth version: It is said on the Internet that health and worry-free are not good, is it true?

"Comparison Table of 136 Popular Critical Illness Insurance in China"., you can find out first.

As a large company in the insurance industry, New China Life Insurance can't always sell very poor products, is this really the case? Next, let's briefly analyze the health and worry-free health of New China Life.

Speaking of the product of Healthy and Worry-free, its product situation is shown in the following figure:

These contents reflect the advantage of being healthy and worry-free, that is, the coverage period is flexible, and we can freely choose to cover for 20 years, 30 years, or up to the age of 70 or 80.

In addition, in general, it is not very good, but instead finds a number of shortcomings:

1.Incomplete coverage, no moderate illness benefit, exclusion and no additional Insured Waiver.

2.The payout is relatively small, and the compensation for mild illness will only be paid once, and the payout ratio is only 20%, which is relatively low. In addition, it is important to note that in the case of paying for critical illness insurance first, the coverage will be terminated and the rider of the main insurance will be invalidated.

3.**Relatively high, for example, a 30-year-old man buys, if you want to protect until the age of 70, buy 500,000 insured, and choose to pay for 20 years, at least 13,000 insurance premiums per year, but some more secure consumer-based critical illness insurance only costs more than 7,000, which saves almost half of the money.

4.The guarantee leverage is not high, and the maximum payment can only be 20 years.

To sum up, the cost performance of health and worry-free is really not too high, and it has been left behind by similar insurance on the market at the level of protection design. For ordinary families, it is generally recommended to purchase consumption-based critical illness insurance. Presumably, everyone wants to buy better insurance with less money, so I will share with you this article that I treasured"Top 10 Cheap and Good Price Critical Illness Insurance!

, friends in need can collect it first!

"Health Carefree Type C Critical Illness Insurance" covers 60 critical illnesses and 15 mild illnesses, and the protection is very good.

Main insurance liabilities of the product:

1. Minor illness insurance benefit: If the specialist doctor of an approved hospital diagnoses the first 15 minor illnesses in the contract due to accidental injury or 180 days after the contract takes effect (or the contract is restored), the maximum compensation is 20% of the basic sum insured, and the insurance liability is terminated and the contract continues to be valid.

2. Critical illness insurance: If the specialist doctor of an accredited hospital diagnoses 60 major illnesses in the contract for the first time due to accidental injury or 180 days after the contract takes effect (or the contract is restored), the basic insurance amount will be paid, and the contract will be terminated.

3. Death Benefit: In the event of death due to accidental injury or illness 180 days after the contract takes effect (or the contract is restored), the basic sum insured will be paid and the contract will be terminated. (Note: The content is for reference only, and the specific insurance liability and other contents of the insurance contract are subject to the official terms).

A few days ago, New China Insurance's "Health and Worry-free" series of critical illness insurance products have been officially launched. The product is set up with three types of critical illness insurance, "Health Care" A B and C, of which the "Health Care" Type B Critical Illness Protection Plan consists of "Health Care" insurance and additional "Health Care" B critical illness insurance.

It is understood that the "Health and Worry-free" series of products have the following characteristics: First, comprehensive protection, on the basis of 60 kinds of major illness compensation protection, it also provides up to 15 common mild diseases such as extremely early tumors, mild strokes, etc. It is conducive to early diagnosis and early diagnosis of patients, and improves the probability of early diagnosis.

The second is the most affordable, the three products are rate-based products, and the interests are inclined to customers, so that customers can afford to buy and are guaranteed. In particular, the "Health and Worry-free" A insurance product is designed with internationally popular pure protection clauses, and some customers can enjoy up to 200,000 yuan of critical illness protection by spending less than 10 yuan per day. (The above ** depends on the specific product and the age of the customer, and is subject to the official terms rate.)

The third is flexible term, the three products are fixed, fixed-term, and life-long form design, providing customers with a guarantee period from 10 years to life, including maturity and maturity, so that customers can choose flexibly according to their actual situation.

Fourth, it is easy to apply for insurance, based on the purpose of optimizing customer experience and the concept of trusting customers, New China Insurance strives to reduce the burden of underwriting and physical examination for customers by optimizing the insurance application process and risk control methods. As long as customers are truthfully informed, they can easily apply for the "Healthy and Worry-free" series of products without physical examination.

Healthy Care C1 is a subsidiary of New China LifeSingle-payout critical illness insurance, I heardGood value for moneyIs it true or not? Let's take a look at how it compares with other critical illness insurance in the marketA comparison table of 136 popular critical illness insurances in China

The specific forms of healthy and worry-free C1 products are as follows:

As you can see from **, this is oneWhole Life Critical Illness Insurance18 to 60 years oldPeople can be insured, and this product has these advantages:

Additional Critical Illness Benefit: Diagnosed with a critical illness or passed away in the previous 10 years, and suffering from 6 specific critical illnesses is acceptableAn additional 20% of the basic sum assured is paid

Large company brands:** has a large team of people and many branches, which is very well-known.

In fact, in addition to the above two advantages, there is nothing special, but there are the following disadvantages:

Poor coverage for mild illnesses: Common critical illness insurance products on the market, and minor illness claims can be made, this productOnly 20%.

Lack of coverage for moderate illness: Moderate symptoms are OKRefine the criteria for compensation for critical illness customers, give the most appropriate amount of compensation, and improve the probability of claims.

Many critical illness insurance products on the market have moderate illness protection, but this product is not comprehensive in comparison.

Low cost performance: At the same price, you can buy a critical illness insurance product with more comprehensive protection and multiple claims on the market.

Overall, this productNot cost-effectiveIt's really not worth itBe cautious when buying

Xinhua Insurance is good, especially this health and worry-free can insure dozens of diseases, buying insurance is to buy a protection! You can consider buying a pro,

There is no good or bad insurance, only the difference between what is right for you and what is not for you. If you don't understand your needs, intentions and actual conditions, and recommend insurance to you, it will fool people.

Advantages and disadvantages of Xinhua Insurance Health Worry-free C1 paragraph:

1. The number of severe and mild illness benefits is large and comprehensive;

2. The 8 high-incidence mild diseases are basically covered, and it is worth noting that the three high-incidence mild diseases of minimally invasive coronary artery bypass grafting, chronic renal failure and severe visual impairment are not covered.

3. There are many claims for minor illnesses, and there is no interval, it is worth noting that the compensation is relatively low, only 20%, and the compensation ratio of most critical illness insurance on the market has reached 30%.

The death benefit before the age is multiplied by the premiums paid, and most critical illnesses are paid only the premiums paid. It is worth noting that the waiting period is longer at 180 days, while the waiting period for most critical illness plans is 90 days.

Healthy and worry-free C is a product of New China Life, if you want to see a more in-depth analysis, please click the original article to view:

"It is said on the Internet that Xinhua is healthy and carefree, is it true? 》

1. How about the New China Insurance Youth Health Carefree C paragraph?

The age of the insured of the New China Insurance Youth Health Carefree C is 30 days old and under the age of 18, and the payment method is 5 years, 10 years, and 20 years, with lifelong protection and a waiting period of 180 days. Provides critical illness, mild illness, death benefit, and premium waiver function.

In the same industry, the number of insured diseases is in the leading position, if it is a waiting period: pay 110 premiums paid, if it is after the waiting period: pay 100 basic sum assured.

Mild disease. Waiting period: No liability.

After the waiting period: The insurance company can only pay 20% of the basic sum insured.

3. Death benefit.

If the insured dies before the age of 18, the insurance company will pay the premiums paid, and if the insured dies after the age of 18, the insurance company will pay the basic sum insured (if the insured dies due to illness during the waiting period, the premiums paid will be paid).

4. Premium waiver protection.

If the insured dies unexpectedly or becomes totally disabled between the ages of 18 and 60, the renewal premium is waived, the contract continues to be valid, and the insured's various benefits remain unchanged.

2. What are the insurance liabilities of New China Insurance's Youth Health Carefree Section C?

The insurance liability of New China Insurance Youth Health Carefree Section C includes:

1. Minor illnesses can also be reimbursed, and the insurance company can reimburse 10,000 yuan per year for the expenses of hospitalization of the insured for minor illnesses such as colds and fevers.

2. Accident insurance money, the insurance company can reimburse 1 yuan to 2 yuan per year for outpatient or hospitalization medical expenses caused by accidents.

3. Minor illness insurance: Once the insured is diagnosed with the 15 mild illnesses referred to in the contract, the insurance company will pay 40,000 yuan for the minor illness, and the contract will continue to be valid.

4. Critical illness insurance benefit: If the insured is diagnosed with 65 kinds of severe diseases referred to in the contract, the insurance company will immediately pay 200,000 yuan for the critical illness insurance.

5. Accidental death or total disability insurance benefit, if the insured dies or becomes totally disabled due to an accident after the age of 18, the insurance company will pay 200,000 yuan for accidental death or total disability, and the contract will be terminated.

6. Lifetime insurance money, if the insured is safe and secure for the rest of his life, the insurance company will pay 200,000 yuan to ensure the preservation and appreciation of wealth, which is equivalent to sick insurance and disease-free pension!

3. Can I surrender the policy if I buy New China Insurance Junior Health Carefree C?

If you buy New China Insurance Youth Health Carefree C, if you surrender the policy during the hesitation period, you can basically refund it in full, but if you surrender the policy after the hesitation period, you can only return the cash value of the policy, and the loss will be a little more.

New China Insurance Youth Health Carefree C is a lifelong protection plan that can be reimbursed for minor illnesses and claims for major illnesses, which is worthy of parents to configure for every teenager.

If you want cost-effective and practical critical illness insurance, you can check out this article:"Top 10 Ultra-Cost-effective Critical Illness Insurance in 2020".

Healthy and worry-free C teenager is a lifelong critical illness insurance, the cheapest to buy at the age of zero, about four times the premium of the protection, not annuity insurance, there is no dividend and maturity payment, but the insured can get 100% of the sum insured after the age of 18 due to illness or accident death and total disability. Critical illness coverage is a must-have for everyone, and this product is good.

Health Carefree is a critical illness insurance, and the sum insured is determined to pay, not consumer insurance. The premium for this insurance. Slightly expensive, see if you are suitable for buying.