What are the pitfalls in Darwin 3? Who is more worth buying than the Little Umbrella Super Mario 3 M

Conclusion: Darwin No. 3 Critical Illness Insurance vs. Super Mario No. 3 Max has its own merits, and how to choose it is still a matter of budget and needs.

Regarding these two products, Daddy also wrote a comparative evaluation, if you are interested, you can take a look"Darwin No. 3 PK Super Mario No. 3 MAX, who wins and who loses?

The Darwin 3 safeguard liability is divided into two parts: mandatory liability and optional liability.

Mandatory responsibilities include:

1. Critical illness protection: 110 kinds of critical illnesses are covered, 100% of the sum insured will be paid after the age of 60, and 180% of the sum insured will be paid before the age of 60.

2. Moderate illness protection: 25 kinds of moderate illness are covered, 60% of the sum insured is paid, and 2 claims are paid.

3. Mild illness protection: 50 kinds of mild illnesses are covered, 45% of the sum insured is paid, and 3 times are paid.

Optional responsibilities include:

1. Cancer secondary compensation: 150% of the sum insured will be paid, including new, **, metastatic or spread of cancer, persistent, etc.

2. Specific cardiovascular and cerebrovascular secondary compensation: 150% of the sum insured will be paid to cover three specific cardiovascular and cerebrovascular diseases

In addition to the secondary compensation for high-incidence mild and moderate cardiovascular and cerebrovascular diseases, it also attaches specific cardiovascular and cerebrovascular and cancer critical illness benefits. However, there are also some hidden pits behind TA, if you want to know about it, you can see this article:Darwin No. 3 in-depth evaluation, what is the pit?

Although Darwin No. 3 has been in the limelight recently, Daddy still recommends that you do not blindly follow the trend to buy insurance, after all, everyone's protection needs are different, and the products that are suitable for others may not be suitable for you!

Before applying for critical illness insurance, we still have to compare and see, maybe there will be a more suitable choice, Daddy has recently sorted out hundreds of critical illness insurance, and selected some of the more popular ones for your reference: ".The 2020 critical illness insurance list is released, who is the best one?

Hello landlord, it is said that it is a mild and moderate illness more than once, in fact, it is not possible to compensate for the same position, and the small umbrella is a basic responsibility, optional responsibility rich products, before the age of 60 additional compensation of 80% of the critical illness insurance amount, mild and moderate illness compensation ratio is high, malignant tumor additional compensation, 3 specific cardiovascular and cerebrovascular critical illness additional compensation, can be attached to the death liability. **It is relatively low among similar products on the market, mainly because the protection liability is good, the additional compensation ratio is super high, and the critical illness before the age of 60 can be paid an additional 80% of the insurance.

Hope it helps.

Recently, critical illness insurance has been favored by many policyholders, what are the advantages and disadvantages of popular critical illness insurance, take a look at this comparison table! A comparison table of 136 popular critical illness insurances in China

Super Mario No. 3 MAX and Darwin No. 3 are actually critical illness insurance products under Cindat Life Insurance, and the senior sister will analyze which of them is more cost-effective:

From the picture, we can see that in fact, the insurance rules of Super Mario 3 MAX and Darwin 3 are exactly the same, up to critical illness protection and optional liability, so the senior sister focuses on analyzing the differences.

Moderate Illness Benefit:

Super Mario 3 Max Medium Illness Covers 25 Diseases, 2 Claims, 60% of the Basic Sum Assured; Before the age of 60, 75% of the basic sum assured will be paid. Most people are still an important breadwinner of the family until the age of 60, and the extra money can be a good way to reduce the financial burden of the family and maintain the normal expenses of the family.

Darwin No. 3 Moderate Illness also covers 25 diseases, 2 claims, 60% of the basic sum insured, no additional benefit for diagnosis before the age of 60, but an additional secondary benefit for moderate stroke (re-diagnosis of new moderate stroke, 1 year apart, 60% of the basic sum insured. Since a stroke occurs, 54% of patients may be at risk of a second stroke within 5 years if prevention is not taken into account, so a second stroke benefit is quite necessary.

Minor Illness Benefit:

Super Mario 3 Max Minor Illness covers 50 illnesses, pays 3 times, pays 45% of the basic sum assured; Before the age of 60, 55% of the basic sum assured will be paid.

Darwin No. 3 Moderate Illness also covers 25 diseases, 2 claims, 60% of the basic sum assured, no additional benefits diagnosed before the age of 60, but an additional cover for atypical myocardial infarction, minimally invasive coronary artery bypass surgery, and minimally invasive coronary intervention (45% of the basic sum insured will be paid if one of the above three diseases is diagnosed again after an interval of 1 year). This benefit is an important benefit for the elderly who have a family history of coronary heart disease and cardiovascular and cerebrovascular problems.

In the case of similar guarantees, the ** of Super Mario 3 MAX is about 200 yuan lower than that of Darwin 3. In fact, the cost performance of both products is very high, as long as the focus of some of the coverage content is different for different groups of people, Super Mario 3 MAX is more suitable for men with high cardiovascular and cerebrovascular incidence, while Super Mario 3 MAX is more suitable for groups who want comprehensive basic protection, and can be considered according to actual needs when the premium budget is appropriate.

Look! I didn't expect that even Darwin 3, which is so cost-effective, has defects! Darwin No. 3: Xintai's king bombed critical illness insurance, but this flaw was picked up!

During this period, the changes in the critical illness insurance market made Zhu Baojun overwhelmed for a while.

Just said that Darwin 2 gave away 50% of the sum insured before the age of 60, and as a result, Super Mario 2 Max gave away 60%.

And Darwin No. 3, which was officially launched on June 18, directly gave away 80%, which really let Zhu Baojun know what it means to live for a long time.

What kind of critical illness insurance will make Zhu Baojun sigh so much?

In terms of current critical illness insurance, Darwin No. 3 is indeed very competitive.

180% of the basic sum assured will be paid for critical illness before the age of death

Buying a critical illness is buying the sum insured, but for most consumers, sometimes they have a limited budget and want to buy a high sum insured, but there is pressure to pay the premium.

In this case, this advantage of Darwin 3 is very obvious, why?

For example, if your personal needs are 900,000 yuan of critical illness insurance and your budget is insufficient, you can consider purchasing 500,000 yuan of insurance amount. Once you suffer from a critical illness, you can pay 900,000 yuan before the age of 60, which not only matches your budget, but also ensures that the most important stage of family responsibilities is sufficient.

2. High incidence of mild to moderate disease, most of which are included in Darwin No. 3

If you have a high incidence of mild to moderate disease, you can pay an additional 1 time

You must know that stroke, myocardial infarction, etc. are not only high-incidence diseases, but also very easy**.

Darwin No. 3 is undoubtedly a double guarantee for the second compensation for the disease of Yi **.

4. Death liability is optional

Darwin 3's death liability is very flexible and allows for better wealth inheritance. Many fans are entangled in whether to add death liability, but in fact, they mainly figure out 2 questions:

On the premise that the sum insured is sufficient, whether the budget allows for the addition of death;

Death and critical illness are "two to one", either critical illness or death, and there is no compensation for both.

In terms of comprehensive protection content and product comparison, the performance of Xintai Darwin No. 3 can be said to be remarkable.

Although the premium rate is slightly higher than that of similar critical illness insurance, the protection is still very sufficient, whether it is for cancer or cardiovascular and cerebrovascular diseases.

Overall, Darwin 3 is more suitable for people with a sufficient budget and looking for critical illness coverage.

If you are more in pursuit of the ultimate cost performance, there are other products, such as Xintai Super Mario 2 MAX or Hengqin Worry-free Life 2020 to choose from.

Super Mario 3 MAX and Darwin 3 are about the same price-performance ratio, depending on personal needs, the following daddy will give you an analysis.

Let's start with the conclusion: if you pay attention to the specific illness sum insured for the second claim, choose Darwin No. 3 Critical Illness Insurance;

If you pay attention to the increase in the sum insured for all illnesses in the first pay, choose Mary 3 Max.

Let's analyze the content of the guarantee item by item:

1.Critical illness benefit.

The critical illness protection of the two products is the same, 110 diseases, an additional 80% of the sum insured before the age of 60.

In other words, if you apply for an insured amount of 500,000 yuan and suffer from a critical illness for the first time before the age of 60, you can get 900,000 yuan of protection.

This critical illness benefit amount is currently the highest in the market.

2.Moderate Illness Benefit:

There are 25 types of diseases in both products, with 60% of the basic sum assured.

However, Darwin No. 3 Critical Illness Insurance Moderate Stroke can pay an additional 1 time, with a ratio of 60% of the sum insured;

Super Mario 3 MAX pays more attention to the increase of the sum insured, 75% of the sum insured before the age of 60, 65% of the sum insured after the age of 60, and an additional 15% of the sum insured before the age of 60.

3.Minor Illness Benefit:

Both products have 50 types of mild illnesses and 45% of the basic sum assured.

However, Darwin No. 3 Critical Illness Insurance focuses on secondary compensation, such as: very early malignant tumors or malignant lesions, the second compensation is 45%, with no interval; 45% for the second compensation for 3 types of cardiovascular high incidence and mild diseases, with an interval of 1 year;

Super Mario 3 MAX pays more attention to the increase of the coverage amount, 55% of the sum insured before the age of 60, 45% of the sum insured after the age of 60, and an additional 15% of the coverage amount before the age of 60.

Darwin No. 3 Critical Illness Insurance vs. Super Mario No. 3 Max has its own merits, and how to choose it is still a matter of budget and needs.

The question of whether the new Darwin No. 3 product of Xintai Life Insurance is worth buying, many people really ask me in private chats! As the third generation of "Darwin", can Darwin 3 continue the glory of its predecessors?

Darwin No. 3 is a critical illness insurance, which is underwritten by Cindat Life, and everyone has heard of Cindat Life, which has made rapid progress and development in the past two years, and the competition for critical illness insurance, annuity insurance, and whole life insurance is very fierce, and it can be said that it is behind in the industry ranking.

To make a long story short, let's take a look at the specific coverage of this product:

The full name of Darwin No. 3 is called Xintai Ruyi Anhe (Collector's Edition) Critical Illness Insurance, which is a critical illness product that compensates for 1 time for critical illness, 3 times for mild illness, 2 times for moderate illness, 2 times for moderate stroke, 2 times for carcinoma in situ, and 2 times for atypical myocardial infarction.

In addition, if you have a critical illness for the first time before the age of 60, you can pay 180% of the sum insured, and you can choose to pay 150% of the sum insured for malignant tumors and specific cardiovascular and cerebrovascular diseases, and death liability and term liability are also optional add-ons.

Let's take a look at the advantages of this product:

1.Ultra-high sum insured: high secondary cancer, secondary cardiovascular and cerebrovascular compensation, and critical illness before the age of 60, the compensation ratio can reach 180%, which is really good!

Although looking at his development trend, he has a hunch that there will be a day when he will double the loss, but this speed is inevitably too fast!

3.Cancer Protection Optimization: A good critical illness insurance is standard for cancer second payouts, and although the interval of this one is a little longer, 150% of the sum insured is a new high.

However, no product can only have advantages, and no insurance product in the world is perfect! The same goes for Darwin 3! While there are many advantages to this product, it has one biggest drawback:

The product is so complex, and there are new problems in the choice of consumers, so we should combine our own actual situation when purchasing, and think about which aspect they focus on before making a decision.

Little Umbrella Super Mario Critical Illness Insurance No. 3 MAX and Darwin No. 3 are both from the same company [Cindat Life], and they are both upgraded products on the basis of Super Mario Critical Illness Insurance No. 2, and the sparks between them are still very exciting. Without further ado, let's start with the comparison chart of Super Mario 3 and Darwin 3 protection liability pk:

Super Mario Critical Illness Insurance No. 3 and Darwin No. 3 are born from the same mother, with exactly the same insurance age, maximum sum insured, and waiting period, and the protection responsibilities for critical illness, secondary cancer prevention and secondary cardiovascular are exactly the same, and there is no difference in the type of protection and the definition of claims.

Super Mario Critical Illness Insurance No. 3 Max and Darwin No. 3 both pay 180% of the sum insured for critical illnesses diagnosed before the age of 60, and additional compensation liability for malignant tumors can be attached, and the second compensation for specific cardiovascular and cerebrovascular critical illnesses can also be up to 150%.

Both critical illness insurance products have achieved the highest compensation ratio for critical illness, malignant tumors and cardiovascular and cerebrovascular diseases.

Looking at the whole article, there are two differences between Super Mario 3 MAX and Darwin 3 in terms of protection responsibilities:

1. Super Mario No. 3 pays 55% of the sum insured for mild illness and 75% of the sum insured for moderate illness for the first time before the age of 60, which is currently the highest in the whole network.

2. Darwin No. 3 has specific cardiovascular and cerebrovascular mild diseases and moderate stroke sequelae, and an additional compensation will be paid.

In general, in terms of protection responsibilities, Super Mario 3 and Darwin 3 can be regarded as having their own advantages.

However, the [highest sum insured] that Darwin No. 3 advertised before in terms of protection responsibilities can no longer be promoted as a super advantage point for Dugu to seek defeat. Super Mario Critical Illness Insurance 3 and Darwin 3 both have a 180% Critical Illness Sum Assured, with a higher initial claim coverage for moderate and mild illnesses.

Let's take a look at the premium comparison chart of Super Mary Critical Illness Insurance No. 3 and Darwin No. 3:

Under the mandatory condition, buy 500,000 insurance amount to protect until the age of 70:

Darwin 3 costs $4,060 a year for a 30-year-old man and $3,720 a year for a 30-year-old woman;

Buying a small umbrella Super Mario 3 Max costs only 3920 yuan a year for a 30-year-old man and 3610 yuan a year for a 30-year-old woman.

Under the mandatory condition, buy 500,000 insurance amount, and guarantee it for life:

Darwin 3 costs $6,115 a year for a 30-year-old man and $5,710 a year for a 30-year-old woman;

Buying a small umbrella Super Mario 3 Max costs only 5,855 yuan a year for a 30-year-old man and 5,495 yuan a year for a 30-year-old woman.

Men of Super Mario Critical Illness Insurance No. 3 are about 4% cheaper than Darwin No. 3; Females are cheap or so.

Summary: In terms of protection liability, Super Mario 3 MAX has a higher initial claim and Darwin 3 can pay 1 more time for moderate and mild illness.

Super Mario 3 MAX is cheaper than Darwin 3.

Super Mario Critical Illness Insurance 3 has a higher sum assured and a cheaper premium.