How about Hengqin Life Worry Free Life 2020 and is it worth buying?

Worry-free Life 2020 is a critical illness insurance product with a single claim for critical illness and multiple claims for mild and moderate illnessComparison table between Worry-Free Life 2020 and 136 popular critical illness insurances in China

Many people say that Worry-Free Life 2020 is very good, so I want to take a look, what is so good about it?

Let's first get to know this product and analyze its advantages and disadvantages.

Pros:

1) Comprehensive protection. The insurance covers mild, moderate and critical illnesses, and can also add cancer secondary compensation and death liability as needed.

2) The payout ratio is high.

If a critical illness is diagnosed before the age of 50, an additional 50% of the basic sum assured will be paid, and if a critical illness is confirmed between the ages of 50 and 59, an additional 60% of the basic sum assured will be paid.

Minor illness can be compensated 3 times, and the compensation will be paid in turn; Moderate illness will be paid 2 times, and the compensation will be paid in turn, which is a relatively high level at present.

An additional 100% of the sum insured will be paid for children's special illnesses.

Just looking at the advantages of worry-free life 2020 is indeed very good, but it has some shortcomings that have to be said about it:

Cons:

1) The interval between secondary claims for cancer is longThe interval between the first diagnosis of non-cancer and the second diagnosis of cancer is 1 year, which is relatively long, and the optimal interval on the market is 180 days.

2) Cardiovascular and cerebrovascular diseases with secondary compensation do not include sequelae of strokeHowever, this disease is one of the diseases with a high incidence of cardiovascular and cerebrovascular diseases, and the protection in this regard is slightly insufficient.

In addition to the two points mentioned above, there are some things worth complaining about, just look at this article to know".Just looking at that, I wouldn't buy Worry-Free Life 2020

But in general, Worry-Free Life 2020 is very comprehensive in terms of the coverage amount of critical illness and mild to moderate diseases, and it is still a very good product, which is worth considering.

Of course, if you can't accept some of the small shortcomings of Worry-Free Life 2020, or it doesn't meet your needs, then you can compare other productsTop 10 Popular Critical Illness Insurance Points Worth Buying!

There are still many highlights of Worry-Free Life 2020 critical illness insurance, such as if the insured is insured before the age of 60, the critical illness can pay an additional 50%-60% of the sum insured, the maximum compensation for moderate illness is 65% of the sum insured, and the maximum compensation for mild illness is 55% of the sum insured.

So, what are the highlights of Hengqin Life's Worry-Free Life 2020 Critical Illness Insurance? Is it worth insuring?

The specific analysis is as follows:

1.Critical illness benefit

113 kinds of critical illnesses, 1 claim, 150% of the sum insured will be paid for critical illness before the age of 50, and 150%-160% of the sum insured will be paid for critical illness before the age of 50-60, with the maximum compensation of 1 time.

2.Mild and moderate illness coverage

25 kinds of moderate diseases, 2 times of incremental compensation without grouping, 60% and 65% of the sum insured will be paid in turn, there is no interval, and each disease can only be paid 1 time;

50 kinds of mild diseases, 3 times of incremental compensation without grouping, 45% 50% 55% of the sum insured in turn, no interval, each disease can only be paid 1 time.

From the point of view of the sum insured, Hengqin Life Carefree Life 2020 mild and moderate illness is very high regardless of the first claim sum insured or the increased sum insured.

Hengqin Life Carefree Life 2020 defines "minor stroke" as a moderate illness, and the compensation is paid according to the sum insured of the moderate illness, and the insured amount of the compensation is higher.

Mild third-degree burns are broken down and defined as mild and moderate.

3.Death liability

Hengqin Life Carefree Life 2020 can choose to pay additional premiums before the age of 18 and pay the sum insured liability after the age of 18.

It gives the policyholder the opportunity to choose, and can choose the additional according to individual needs, which increases the flexibility of insurance.

4.Cancer Second Claim Benefit (optional).

Cancer statuses include new, **, metastatic and continuing, with 120% of the sum assured paid up to a maximum of 1 claim.

If the first insurance is cancer, then the second cancer benefit needs to be separated by 3 years; If the first occurrence is not cancer, then the second cancer benefit will need to be separated by a period of years.

The sum insured of Hengqin Life Carefree Life 2020 cancer claim is quite high, but the shortcomings of Carefree Life 2020 are these.

In the case of a critical illness that occurs for the first time, there is an interval of 1 year for the second claim for cancer, while the current mainstream products have excellent terms and conditions that only require an interval of 180 days.

5.Secondary reimbursement for specific cardiovascular and cerebrovascular diseases (optional).

Hengqin Life Carefree Life 2020 contract stipulates 12 specific cardiovascular and cerebrovascular diseases, and 100% of the insured amount will be paid.

Specific cardiovascular and cerebrovascular diseases are as follows:

If the first critical illness of the insured is the above-mentioned cardiovascular and cerebrovascular disease, the interval between the second accident is 3 years;

If the insured's first critical illness is not the above-mentioned disease, then the second occurrence of cardiovascular and cerebrovascular diseases requires an interval of 1 year.

Additional benefits for children's special illnesses (optional).

It should be noted that this children's special illness benefit can only be covered by people who apply for insurance before the age of 18, and can only be insured up to the age of 30, and an additional 100% of the sum insured can be paid in case of insurance.

For these 18 types of pediatric diseases, the specific types are as follows:

The above hope can solve your doubts, and you can also arriveDaddy protects the netCheck out the latest assessments and you might have a different understanding!

Worry-free life 2020 product analysis.

Worry-free Life 2020 is a critical illness insurance product launched by Hengqin Life Insurance, which stipulates that up to 160% of the basic sum insured can be paid before the age of 60 for critical illness, and the proportion of compensation for moderate and mild illnesses is also relatively high.

The following daddy will explain it to you in detail:

1. How is Hengqin Life Carefree Life 2020 Critical Illness Insurance Protection?

Worry-free life 2020".

The above is the protection content of Hengqin Life Worry-free 2020 Critical Illness Insurance, from which we can see that the protection of this product is relatively comprehensive.

In addition to the basic critical illness, moderate illness and mild illness benefits, there are also protection responsibilities such as death, total disability, and exemption of the insured, as well as a second claim for cancer, children's special illness, and cardiovascular and cerebrovascular diseases, which can give the insured a more comprehensive protection and a relatively large degree of protection.

2. Hengqin Life Worry-Free Life 2020 Critical Illness Insurance is suitable for those people to insure

1.Pursue a high payout ratio.

This product pays 150% of the basic sum insured before the age of 50 for critical illness, 160% of the basic sum insured for 50-60 years old, 2 times for moderate illness without grouping, according to the ratio of 60% to 65%, and 3 times for mild illness without grouping, according to the ratio of 45% 50% to 55%, increasing the claim step by step.

The overall loss ratio is relatively high, and it is also at the middle and upper level among similar products, which is more suitable for consumers who pursue a high compensation ratio to insure.

2.Pursue secondary reimbursement for specific diseases.

This product can make a second claim for cancer, pediatric special diseases, cardiovascular and cerebrovascular diseases, and the compensation ratio is not low, 120% of the basic sum insured for the second claim for cancer, and 100% of the basic sum insured for cardiovascular and cerebrovascular diseases and pediatric special diseases.

3.Pursue lifelong protection for critical illness.

The term of this product is lifelong, and consumers can get lifelong illness protection in one step, which is a boon for consumers who want to get lifelong illness protection.

Of course, the above three types of people are just people who are more suitable for this product in the dad's opinion, in fact, as long as there is a need for disease protection, if they meet the insurance conditions, they can apply for critical illness insurance to obtain the corresponding protection.

In general, Hengqin Life Carefree Life 2020 Critical Illness Insurance has a relatively comprehensive protection, a high compensation ratio, and a second claim for cancer, cardiovascular and cerebrovascular diseases, and children's special diseases.

Of course, critical illness insurance cannot protect all aspects of life, he can only provide disease protection, and in order to obtain more comprehensive protection, a reasonable combination of various types of insurance is also needed.

Daddy has previously evaluated Hengqin Life's Worry-free Life 2020, and thinks that this product is still very cost-effective, if you want to know more about the content of Worry-free Life 2020, you can take a look at Daddy's evaluation article:"Hengqin Life Worry-free Life 2020, Detailed Evaluation and Analysis of Advantages and Disadvantages, Is It Worth Buying".

Daddy put these two products together and made a comparison:

Worry-Free Life 2020 is a single-claim critical illness insurance underwritten by Hengqin Life, and the biggest feature is the high sum insured.

Moreover, the Carefree Life 2020 insurance period is more flexible, and you can choose to protect it until the age of 70 and the age of 80 for life.

The issue age of Worry-Free Life 2019 is relatively good, with a maximum of 65 years old. It is suitable for healthy seniors with a large budget.

Compared with Worry-Free Life 2020, Worry-Free Life 2019 is considered to be a loss, so how does Worry-Free Life 2019 perform in the same category? Take a look at the analysis below:

It can be seen that under the same circumstances, the premium of Worry-Free Life 2019 Critical Illness Insurance is the highest, but the protection is not as good as other products.

Therefore, Daddy feels that Worry-Free Life 2019 critical illness insurance can be excluded from the scope of consideration. Of course, except for friends in the age group of 60-65 years old, if you have a sufficient budget, Worry-Free Life 2019 will be your better choice.

If you are looking for value for money:Hengqin Life's Worry-Free Life 2020, Super Mario 2020pro

Super Mario 2020 Pro, ** is the lowest. However, the wheel protection strength, ** the same friendly worry-free life 2020 will be a little better. These two products will be cheaper if women are insured.

If you pursue a level of protection:Hengqin Worry-free Life 2020, Xintai Super Marie 2020max

Worry-free Life 2020 is excellent in terms of both the sum insured and the optional liability, and the protection is very comprehensive.

Super Mario 2020max protection is still very good, and when the second compensation for cancer and the second compensation for cardiovascular and cerebrovascular diseases are selected, but it should be noted that only two pay one.

If the elderly are insured:PICC Worry-Free Life 2019

It supports up to 65 years old healthy people to apply for insurance, and if the budget is sufficient, you can consider it.

Hello this friend, the cost performance of Hengqin Worry-free Life 2020 can be said to be very high among similar products, such as this kind of "benchmark product" is very well-known in the industry, so Daddy will bring this cost-effective product to everyone:

1. Critical illness protection.

For 113 critical illnesses, 150% of the sum insured will be paid before the insured is 50 years old (excluding 50 years old), and 160% of the sum insured will be paid for the insured between the ages of 50 and 60, with a maximum of 1 claim.

2. Mild and moderate illness protection.

For 25 kinds of moderate diseases, 2 times of incremental compensation will be paid without grouping, and 60% and 65% of the sum insured will be paid in turn, with no interval; For 50 mild diseases, 3 times of incremental compensation will be paid without grouping, and 45%, 50%, and 55% of the sum insured will be paid in turn, with no interval.

The maximum compensation for moderate illness is 65% of the sum insured, and the maximum compensation for mild illness is 55% of the sum insured.

3. Death benefit.

You can choose to pay the premium paid before the age of 18 and pay the basic sum assured after the age of 18.

4. Cancer second compensation (optional).

If the first critical illness diagnosed by the insured is non-cancer, then the interval between the second claims for cancer is 1 year, and 120% of the sum insured will be paid. If the first critical illness diagnosed by the insured person is cancer, then the interval between the second benefit for cancer is 3 years, 120% of the sum insured is paid, and the cancer status includes new, **, metastatic and continuous.

5. Children's special illness insurance (optional).

For 18 children's special diseases, an additional 100% of the sum insured can be paid, that is, if the insured suffers from a disease that meets the list of children's special diseases and critical illnesses at the same time, up to 200% of the sum insured can be paid.

6. Second compensation for cardiovascular disease (optional).

If the first diagnosis is cardiovascular disease, the interval between the second claims will be 3 years, and 100% of the sum insured will be paid; If the first diagnosis of critical illness is non-cardiovascular disease, then the interval between the second claims will be 1 year, and 100% of the sum insured will be paid.

1. If you pursue protection: Hengqin Worry-free Life 2020, Xintai Super Mario 2020max

2. If women are insured: Hengqin Worry-free Life 2020, Hengqin Preferential Treasure

3. If a man is insured: Xintai Super Mario 2020MAX, Hengqin Worry-free Life 2020, Guofu Jiahebao

We can see that this product is still relatively friendly to women, and it is more favorable than similar products in terms of women's premiums. In particular, the amount of compensation for minor illness is relatively high and multiple, and the optional liability is relatively comprehensive. It can be said that the cost performance is very high.

It's worth buying!