Is there a difference in premium between Connaught Life and Darwin 1

Each critical illness insurance product** will be different.

If you want to see cost-effective critical illness insurance products, just look at this list!

Top 10 Cheap and Good Price Critical Illness Insurance** Points

Let's compare the differences between Life and Darwin 1 in terms of premiums

First of all, look at the recreation of a lifetime:

Healthy Life is a product with relatively comprehensive protection, covering mild, moderate and severe illness, with an additional 30% of the basic sum assured for the first 10 years of critical illness protection; Moderate and mild illnesses are paid multiple times, and moderate illness is paid twice, and 50% of the sum insured is paid each time. Minor illness will be paid 3 times, and % of the basic sum assured will be paid in turn. In addition, you can also add a second benefit for cancer and total disability.

Let's take another look at Darwin 1.

Darwin No. 1 is a critical illness insurance product that covers mild and severe illness, and if the critical illness is claimed before the age of 80, the basic sum assured will be increased by 10% each time; Minor illness covers 35 diseases, 3 claims, 25% of the basic sum assured each time, and no moderate illness benefit.

To see how these two critical illness insurance products compare to other products on the market, click on the comparison table below. 、

A comparison chart of Recreation Life, Darwin No. 1 and 136 popular critical illness insurance companies on the market

In terms of premium comparison, take a 30-year-old man, 500,000 sum insured, lifelong insurance, and 30 years of payment as an example.

Recreation Life: 7600 years.

Darwin I: 6220.

In general, with a small gap in premiums, the protection of Recreation Life will be more comprehensive than that of Darwin One.

Hello, Darwin No. 1 is very similar to Connaught e-Life C, but in terms of premium, it will be a little higher than similar products.

Taking the age of 30, the sum insured of 500,000, the payment of 30 years, and the insurance until the age of 70 as an example, the trial calculation of the premium of Darwin No. 1 is 3,935 yuan a year, and the cost of recreation e-life C is 3,845 yuan a year. But to buy insurance can not only look at the **, but also look at the content of the protection, it is recommended that you understand more, consult more and then insure.

Hello, yes.

Healthy Life B Critical Illness Insurance can cover 35 types of minor illnesses, regardless of grouping, each minor illness can be paid only once, and different minor illnesses can be paid multiple times, and the cumulative benefit is limited to three times.

Hello, you can see that there is not much difference between these three products in terms of protection and premium.

1) In terms of mild illness protection, Darwin No. 1 Critical Illness Insurance and Connaught e-Life Minor Illness will be paid 3 times, but Comvibe Insurance will only pay 1 time;

However, the compensation ratio of Darwin No. 1 mild illness is 25%, which is the same as that of Kanghuibao, but Kangle e-life pays 30% for mild illness;

In general, the mild illness protection of Kangle e-Life is definitely the best, but the minor illness compensation is basically enough for 1 time;

2) Regarding the cash value, the Darwin No. 1 Critical Illness Insurance clause includes a death benefit, which clarifies the cash value of the death refund; The ComviCare clause also specifies the cash value of the death refund, but in the exclusion clause; The cash value of the death refund is not specified in the terms and conditions.

Cash value is a big advantage of Darwin 1 Critical Illness Insurance, which I'll cover in more detail later in this article.

3) Darwin No. 1 Critical Illness Insurance increases the sum insured of critical illness by 10% for every 1 claim for mild illness before the age of 80, which is its biggest feature;

The first initiative to increase the sum insured for critical illness after the payment of minor illness is Ping An Fu 2018 Critical Illness Insurance, and Darwin No. 1 is an imitation of Ping An Fu;

Darwin No. 1 Critical Illness Insurance pays out up to 3 times for minor illnesses, that is, theoretically critical illnesses can increase the sum insured by up to 30%, but only theoretically, the probability of suffering from 3 mild illnesses in a person's life is also very low;

4) In terms of premiums, Darwin No. 1 Critical Illness Insurance is the most expensive, and Comvibe is on par with Connaught eLife.

Looking at the premium alone, Darwin No. 1 is obviously not the cheapest, but it does not mean that it is not worth buying, because the 10% increase in critical illness coverage after the minor illness claim is not available in the other two products, which will increase its premium.

Hello, yes. Darwin No. 1 and Kangle Life C are both underwritten by Fosun United Health Insurance Company and are currently selling well on Huize.com. Both types of insurance are consumer-based critical illnesses that are similar in terms of underwriting and exemption functions.

Waiver: Both products come with a minor illness waiver for the insured, which means that the insured suffers from a mild illness and the subsequent premiums can be waived. Darwin No. 1 and Connaught Life C can be attached to the policyholder's mild, severe, death and disability waiver, which are the only two products in the consumer-based critical illness insurance that can be supplemented with the policyholder's waiver, which is very suitable for couples to invest in each other and parents to buy for their children.

Intelligent underwriting: Darwin No. 1 and Connaught Life C both have intelligent underwriting functions, which can be implemented online, and the underwriting conclusion can be obtained instantly, saving time and effort, leaving no traces, which is very suitable for people with some minor health problems to insure.