What about the Darwin No. 3 Critical Illness Insurance coverage liability, is it sufficient?

Darwin No. 3 Critical Illness Insurance has a lot of protection responsibilities, especially the critical illness benefit up to 180% of the sum insured, so as to include the second benefit for moderate stroke. If you want to know the ranking of critical illness insurance, look at this:"Critical Illness Insurance Competition in June, Who is the Real King of Cost Performance?"

Darwin No. 3 Guarantee).

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.

Let's take a look at the following high-incidence mild to moderate diseases, whether Darwin 3 includes.

High incidence of mild to moderate disease coverage).

It can be seen that for the high incidence of mild to moderate disease, Darwin 3 has been covered. The level of protection is still good. "Darwin No. 3 Critical Illness Insurance vs. Super Mario No. 3 MAX, Who to Choose?" 》

In addition, the mandatory liability also includes the second compensation for high incidence of mild to moderate diseases.

4. Second moderate stroke: It needs to be a new stroke, and the interval is one year, and the compensation is 60%.

5. The second very early malignant tumor or malignant lesion: 45% of the compensation shall be paid for the difference in the organ in the first time.

6. The second atypical myocardial infarction Minimally invasive coronary intervention Minimally invasive coronary artery bypass: an interval of one year is required, and the compensation is 45%, not limited to the same species**, that is.

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

Name of specific cardiovascular and cerebrovascular disease species).

That's all for Darwin 3.

Cindat Life's new Darwin No. 3 is really asked by many people, and the backstage private messages are going to be full! As the third generation of the "Darwin" series, can Darwin 3 continue the glory of its predecessors?

Darwin No. 3 is a critical illness insurance underwritten by Xintai Life, Xintai Life believes that everyone should be familiar with it, the past two years are booming, critical illness insurance, annuity insurance, whole life all-round attack, ** war to fly, the ranking in the country is still very good.

Without further ado, let's go to the Product Liability Form first:

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

Not only that, if you get a critical illness for the first time before the age of 60, you can pay 180% of the sum insured, and at the same time, you can also choose to increase the insurance liability for malignant tumors and specific cardiovascular and cerebrovascular additional benefits, and the death benefit can also be added to it.

Now let's analyze the advantages of this product

1.Ultra-high sum insured:The second claim for cancer and the second claim for cardiovascular and cerebrovascular diseases can pay 150% of the sum insured, and if you suffer from a critical illness before the age of 60, the compensation ratio can reach 180%.

Although according to its development trend, I have a hunch that one day I will have to double the loss, but this day will come really fast!

2.Minor Illness Coverage Upgrade:Liability for very early malignant tumors is added to the coverage for minor illnesses, which is a mandatory benefit; Mild disease also has a mild cardiovascular responsibility, this is also a must, this is better.

The fly in the ointment is that although the high incidence of mild and moderate diseases can be paid extra, but the only one that can protect the pre-existing conditions is currently only Centennial Life's Kanghuibao, and critical illnesses are developed step by step from pre-existing conditions, and early claims can be made as soon as possible to avoid deterioration into critical illness! So, with antecedents, it's good for everyone! The policyholder is early, early, and away from cancer, and the insurance company can also not worry about paying high insurance premiums.

3.Cancer Benefit Optimization:The three-year interval for the second claim for cancer is standard, but the 150% compensation ratio is the highest compensation ratio at present.

It is impossible to have just one product without any shortcomings, and no insurance product in the world is perfect! The same goes for this product! Although the protection of this product is very comprehensive and the insurance premium is also very high, its shortcomings are quite obvious:

Did you really buy Darwin 3 right? 》

The product is so complex, and there are new problems in the choice of consumers, so it is recommended that you choose to fit your own situation and determine what kind of protection you want. Hope!

This is a single claim product with 150% critical illness claim before the age of 60, 120% optional secondary claim for cancer, and flexible optional death liability.

To summarize the highlights of this product:

Before the age of 60, an additional 50% of the sum insured will be paid, and the high amount will cover the young and middle-aged years;

The first payout for mild to moderate disease is very high, at 40% and 60% respectively;

The second claim for cancer is up to 120%, which is the best level in the market.

Recently, a lot of critical illness insurance has been issued, and in the view of the senior sister, it is always easy for latecomers to catch up, and it is more pleasing to increase the amount of compensation under the premise that the basic protection is not lacking or missing.

Last year's Darwin No. 1 pioneered the concept of the evolution of the sum insured + cash value, and this year's Darwin Beyond, the mild, moderate and severe disease + cancer 2 claims are fixed as standard. When the room for innovation is getting smaller and smaller, latecomers can only increase and reduce prices in order to seize the initiative.

Darwin 2 did just that, and more thoroughly. 40% of the sum insured will be paid for 3 claims for mild illness and 60% of the sum insured for 2 claims for moderate illness, which is equivalent to changing the order of some conventional critical illness insurance (incremental claims) in the market, so that the first claim is directly in place. After all, the sooner you get the higher the payout, the more obvious the leverage of insurance will be.

All aspects of these 4 products are actually very similar, from the point of view of **, most of the products have reached the bottleneck period, and there is no way to reduce it; From the perspective of the form of protection, 2 claims for mild, moderate and severe disease + cancer are already standard, and the biggest difference is only the amount of compensation.

So which product is the best choice? Are these products really as good as they advertise? In addition to these products, can you choose a product that is more suitable for you?

Which is the best critical illness insurance, how to buy it cost-effectively, and teach you to avoid these pitfalls of insurance

Darwin No. 2 is a multi-claim critical illness insurance product customized by Huize Insurance Network and underwritten by Three Gorges Life.

First of all, let's take a look at the 5 major advantages of Darwin No. 2 Critical Illness Insurance, which are as follows:

1. Good Sum Insured - 50% Additional Sum Insured is Good Enough: Strong Critical Illness Responsibility, Diagnosed with 120 Critical Illnesses as agreed in the contract before the age of 60, an additional 50% of the Sum Insured will be compensated.

2. Good protection - light, medium and heavy protection is good enough: light medium and heavy protection is good enough; Moderate illness will be compensated up to 2 times, 60% each time, and mild illness will be compensated up to 3 times, and 40% will be paid each time

3. Good match - the responsibility for the second compensation for cancer is good enough: the second compensation for malignant tumors is 120%, the optional liability, and the interval classification is humanized, which adds to the protection of cancer prevention.

4. Good heart-warming-the total disability double protection for death is good enough: the total disability double protection for death, 100% of the sum insured for the total disability; Free exclusive health services, caring enough to warm the heart.

5. Good and loose - the underwriting is loose enough: the insurance requirements are relaxed, the payment pressure is small, and the heart-warming critical illness insurance for young people.

Strong Cancer 2 Claim Benefit

With the background clear, let's take a look at the conditions for the 2 claims for cancer in Darwin 2, which are as follows:

If the first critical illness is cancer, as long as you survive the 3-year period, even if the cancer**, metastasis, persistent, or new cancer, you can pay another 120% of the sum insured;

If the first critical illness is not cancer, such as heart attack or stroke, then you only need to wait 180 days to get 120% of the sum insured if you suffer from cancer again. This claim condition is very lenient in the current critical illness insurance in mainland China. In particular, 120% of the sum insured for the second cancer claim is 20% higher than that of other products.

With the increase in the incidence of cancer and the rate of cancer, it is very likely that you will actively cooperate with the cancer to survive for 3 years. Long-term** means high costs, so it is very necessary to have the sum insured for 2 cancer claims.

It is reported that Darwin No. 2 Critical Illness Insurance is a single-claim critical illness insurance product customized by Huize Insurance Network and underwritten by Three Gorges Life, which is an evolutionary of 5 all-round critical illness insurance, and the product strives to achieve meticulous protection for the insured, and is designed to be guided by user needs and aimed at protecting the health of the insured. This product has the following "5 good" advantages:

The terms of the Good Sum Insured Darwin No. 2 Critical Illness Insurance stipulate that if the insured is diagnosed with any of the 120 critical illnesses specified in the contract before the age of 60, an additional 50% of the basic sum assured will be paid. It can be said that Darwin No. 2 Critical Illness Insurance covers the user's critical illness protection to the life of the insured, helping the insured to better solve the financial pressure of the family and giving the insured full health protection.

Good protection Darwin Critical Illness Insurance has more comprehensive coverage for mild, moderate and critical illness, and the proportion of moderate and mild illness benefits is high. Among them, the 20 moderate illnesses of Darwin No. 2 Critical Illness Benefit can be paid twice in total, and 60% of the basic sum insured will be paid each time; 50 types of minor illnesses can be paid 3 times in total, and 40% of the basic sum insured will be paid each time. Such a ratio of compensation for mild and moderate illness is very competitive among many insurance products in the market.

It is good to match the main insurance of Darwin No. 2 Critical Illness Insurance is a single claim, but the insured can choose the liability of additional insurance benefits and other liabilities for malignant tumors according to their own needs. If the Insured chooses the Malignant Tumor Additional Benefit Liability, an additional 120% of the Basic Sum Assured will be paid for the second critical illness suffered by the Insured as a malignant tumor, enhancing the protection against the Insured's high-incidence critical illness malignant tumors.

Good Warm Heart Darwin No. 2 Critical Illness Insurance can choose dual liability for death and total disability. In the unfortunate event that the insured becomes totally disabled, 100% of the basic sum insured will be paid as long as the conditions agreed in the insurance contract are met.

It is reported that the insurance requirements of Darwin No. 2 Critical Illness Insurance are relatively relaxed, for example, there are few restrictions on the occupation of the insured, and healthy people in categories 1-6 occupations can try to apply for insurance. In addition, the payment period of this insurance is also relatively flexible, 5 years, 10 years, 15 years, 20 years, and 30 years The payment period can be selected according to the situation, which is very convenient.

Darwin No. 3 is a single-claim critical illness insurance, which pays an additional 80% of the basic sum insured for the first critical illness diagnosed before the age of 60, as well as a second claim for cardiovascular and cerebrovascular mild to moderate diseases, which is favored by users.

Darwin 3 is underwritten by Cindat Life Insurance. Founded on May 18, 2007 and headquartered in Hangzhou, Zhejiang, with a registered capital of 5 billion yuan, it can provide insurance protection services for life, health, accident, annuity and other types of insurance. At present, 18 branches have been opened, and as of the end of 2019, the company's total assets exceeded 55.2 billion yuan, and the annual platform premium exceeded 30 billion yuan.

Cindat Insurance can provide users with a series of professional, efficient, intimate and convenient quality services such as self-service insurance, policy management, security services, and claims reporting anytime and anywhere, adhering to the values of "integrity, responsibility, innovation and sharing", and is committed to providing more convenient insurance protection services for the majority of users.

In the third quarter of 2020, Cindat Insurance's core solvency adequacy ratio and comprehensive solvency adequacy ratio were both higher than the regulatory level, and the comprehensive risk rating results in the first quarter of 2020 and the second quarter of 2020 were B, indicating that the comprehensive risk rating was stable and trustworthy.

Darwin No. 3 Critical Illness Insurance product details.

1. Full coverage of light, medium and heavy, and all types of diseases.

The product covers 110 types of critical illnesses, with 1 claim, and an additional 80% of the basic sum assured if the insured suffers from a critical illness before the age of 60 (excluding the age of 60); After the age of 60, 100% of the basic sum insured will be paid out in the accident, and only 1 claim will be made for critical illness. Covers 25 kinds of moderate diseases, regardless of grouping, the cumulative defeat of the stool can be paid 2 times, each time 60% of the basic sum assured, moderate stroke can be paid twice, with an interval of 1 year; Covers 50 types of minor illnesses, and can be paid 3 times in total, regardless of grouping, and 45% of the basic sum insured will be paid each time. Carcinoma in situ, atypical myocardial infarction, minimally invasive coronary artery bypass surgery, minimally invasive coronary intervention surgery, these specific minor conditions can be reimbursed for 2 times.

2. Abundant optional responsibilities.

Optional Malignant Tumor Extended Benefit Protection, the insured is diagnosed with a non-malignant tumor for the first time, and the first malignant tumor is diagnosed after 180 days, 150% of the basic sum assured will be paid; If the first critical illness is diagnosed as a malignant tumor, and the malignant tumor is new, metastasized, and persistent after 3 years, 150% of the basic sum insured will be paid. You can choose to expand the insurance benefit for specific cardiovascular and cerebrovascular diseases, and if you are diagnosed with a non-specific cardiovascular and cerebrovascular disease for the first time, and you are diagnosed with a specific cardiovascular and cerebrovascular disease for the first time after 180 days, 150% of the insured amount of the capital of the Trip will be paid; If the first critical illness is diagnosed as one of the specific cardiovascular and cerebrovascular diseases, 150% of the basic sum insured will be paid after 1 year** for the same specific blood and cerebrovascular diseases. Death liability can be an option, which can be added if the budget is sufficient for more comprehensive protection, and if the budget is insufficient, more funds can be spent on other benefits.

3. Value-added services are intimate.

After applying for insurance, you can enjoy the green pass service for diseases, such as surgery appointments, expert follow-ups, second consultations, transportation subsidies, outpatient appointments, etc., which effectively alleviate the pressure of users to seek medical treatment and allow users to get better and faster treatment.

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