How about the Core Love No. 2 Critical Illness Insurance, and what is more prominent?

Core Love No. 2 Critical Illness Insurance covers 165 diseases, including mild, moderate and critical illnesses. secondly, it focuses on cardiovascular disease protection, with a high compensation ratio; Then brain disease + malignant tumor protection is flexibly selected and more comprehensive protection; Finally, the underwriting policy is excellent, and sub-healthy people have the opportunity to be underwritten with excluded subjects.

1. Comprehensive coverage covers 165 diseases.

The insurance product covers 100 critical illnesses + 25 moderate illnesses + 40 minor illnesses, covering 165 diseases, and 1 critical illness claim is 100% of the basic sum assured; Moderate illness will be paid 2 times in total, which is % of the basic sum insured; Minor illness can be paid 3 times in total, which is % of the basic sum assured. The insurance products cover light, medium and heavy insurance, and provide comprehensive protection.

2. Second compensation for the same kind of cardiovascular disease with high incidence.

The insurance product covers the coverage of high-incidence cardiovascular diseases, and the same disease can be paid twice, such as 5 kinds of specific cardiovascular minor diseases and 5 kinds of cardiovascular specific major diseases, the insurance benefits will be paid according to the contract for the first diagnosis, and the recurrence of the disease after 365 days from the date of diagnosis, and the diagnosis of the same disease, the insurance benefit will be paid according to 30% of the basic sum insured for the specific minor cardiovascular diseases; Cardiovascular Specific Critical Illness is paid at 100% of the basic sum assured.

3. Flexible choice of brain disease + malignant tumor protection.

The insurance product covers high-incidence critical brain diseases, and after 1 year of diagnosis of 8 specific critical brain diseases, 12% of the basic sum insured will be paid every year, and the contract will be terminated after 10 cumulative payments or the death of the insured; 1 year after the diagnosis of malignant tumor, due to malignant tumor in the hospital to receive relevant **, follow-up or re-examination, 20% of the basic sum insured will be paid every year, and the cumulative benefit will be paid 3 times or the insured will die, and the contract will be terminated.

4. Coherent guarantee deterioration of the first file.

There are opportunities to receive multiple benefits at different stages of some diseases, such as atypical acute myocardial infarction (mild disease) - acute myocardial infarction (critical illness), early primary cardiomyopathy (mild disease) - severe primary cardiomyopathy (critical illness), etc., and some diseases are covered continuously, ** continue to protect your healthy life.

5. The underwriting of sub-healthy people requires humanization.

Three high obesity groups, 1-6 occupations, mild abnormalities of liver function and thyroid breast abnormalities, the above symptom groups have the opportunity to be insured with excluded standards, so there are small problems in the body, and there is also a chance to successfully apply for Xinai No. 2 critical illness insurance, the insurance product underwriting policy is excellent, and it is very friendly to the group with small physical problems.

Flexible and**cheap.

The company is hard to say.

In essence, I care a little bit about the company, not that I don't believe in Internet products, but I am more cautious when it is too new and there is no local branch.

This is a product of Haibao Life Insurance, and currently only Hainan has a branch.

I don't think too much about the company level, and I don't have any opinion on this product.

The core love critical illness is underwritten by Haibao Life Insurance Co., Ltd., and this company is also responsible for claims。The scale of this insurance company is not very large, in addition to the headquarters in Haikou, Hainan, there are no other branches in the country, if you want to buy, you can only buy through the intermediary or the official ** of the insurance company. However, this insurance is still very good, from protection to flexibility, it is very user-friendly.

First, the guarantee is comprehensive.

Many people are prone to such a misunderstanding when buying critical illness insurance, that is, as long as they buy critical illness insurance, they can get protection, but in fact, this is not the case, we have to take a serious look at what diseases are covered by this insurance. For example, whether moderate and mild illnesses are covered, what is the proportion of insurance payouts, how many payouts does the insurance pay, etc., these are all questions that we need to focus on. This insurance contains a total of 100 kinds of critical diseases, 25 kinds of moderate diseases, and 40 kinds of minor diseases, which is equivalent to most of the common diseases have been included, and there will be a second payment for specific critical illnesses about the cardiovascular system.

Second, the compensation ratio is high.

For example, there are 25 moderate illnesses that can be paid twice in total, and each time the sum insured can reach 60%, and the compensation for minor illnesses can reach three times, and the proportions are 30%, 35% and 40%. There are many insurance policies that only pay a one-time payment, and the contract with the insurance company is terminated after the payment is completed, which means that the insured does not have any extra protection.

Third, the premium is cost-effective.

Of course, when buying insurance, we should pay attention to his premium, for example, the basic insurance amount of this insurance has reached 500,000, if it is changed to other companies' critical illness insurance, such a high protection, at least tens of thousands of yuan of premiums must be paid every year. However, the premium of this insurance is relatively low, for example, a 30-year-old man, the premium for the first year of insurance is less than 6,000 yuan, so the cost performance of this insurance is still very high, and it will not cause a burden to some ordinary families.

When buying insurance, Xinai No. 2 Critical Illness Insurance is owned by Haibao Life Insurance Co., Ltd., which is headquartered in Haikou.

Xinai No. 2 Critical Illness Insurance is a product of Haibao Life Insurance Co., Ltd. ****. It belongs to Internet insurance, which is generally sold online.

The insurance company was officially approved by the China Banking and Insurance Regulatory Commission on May 23, 2018 and was established as a national insurance legal entity. Core Love No.2 Critical Illness Insurance covers 100 critical illnesses + 25 moderate illnesses + 40 mild illnesses, and the waiting period for illnesses is 180 days, during which the insurance company will be exempted from liability for confirmed diseases.

It is Haibao Life Insurance Company, which is also a better insurance company, although it has not been established for a long time, but this is also a relatively good insurance company.

It is reported that the protection of Xinai No. 2 Critical Illness Insurance is relatively comprehensive, covering 165 kinds of disease insurance products, covering 100 kinds of critical illnesses + 25 kinds of moderate diseases + 40 kinds of mild diseases, covering 165 kinds of disease protection, and 1 critical illness claim, which is 100% of the basic sum insured; Moderate illness will be paid 2 times in total, which is % of the basic sum insured; Minor illness can be paid 3 times in total, which is % of the basic sum assured. The insurance products cover light, medium and heavy insurance, and provide comprehensive protection.

The product can also pay for the same kind of cardiovascular high-incidence diseases for the second time.

The insurance product covers the coverage of high-incidence cardiovascular diseases, and the same disease can be paid twice, such as 5 kinds of specific cardiovascular minor diseases and 5 kinds of cardiovascular specific major diseases, the insurance benefits will be paid according to the contract for the first diagnosis, and the recurrence of the disease after 365 days from the date of diagnosis, and the diagnosis of the same disease, the insurance benefit will be paid according to 30% of the basic sum insured for the specific minor cardiovascular diseases; Cardiovascular Specific Critical Illness is paid at 100% of the basic sum assured.

The insurance rules of Xinai No. 2 critical illness insurance are still relatively relaxed, and the specific insurance rules are as follows:

Issue age: 30 days old - 55 years old (including 30 days and 55 years old) Protection period: to 70 years old for life.

Contribution period: 5 10 15 20 30 years.

Waiting period: 180 days.

Introduction to the core love No. 2 critical illness underwriting company.

Haibao Life Insurance was jointly funded and established by eight major shareholders, including Haima Investment Group, Haisco Pharmaceutical Group and Yilianzhong Information Technology, and was approved to be established in January 2017 and opened in May 2018, with a registered capital of 1.5 billion yuan and headquarters in Haikou, Hainan.

In the first quarter of 2019, the comprehensive solvency adequacy ratio of Haibao Life Insurance was rated A. Generally speaking, the more solvency the insurance company has, the stronger the insurance company's ability to settle claims. It can be seen that the overall operation of Haibao Life Insurance is not bad.

From the perspective of the insurance company, it is still trustworthy.

CoreLove No. 2 Critical Illness Insurance Insurance Insurance Rules:

Issue age – 0 - 55 years old.

Coverage period – up to age 70 for life.

Payment period - 5 10 15 20 30 years.

Insured occupation – categories 1 - 6.

Waiting period: 180 days.

Basic coverage. 1.Critical illness benefit.

A total of 100 critical illnesses are covered, and 100% of the basic sum assured can be paid after diagnosis, and only one claim will be made. Although the critical illness protection of this product will be relatively small in terms of the number of claims, it is still very comprehensive in terms of practicality, and 25 high-incidence critical illnesses are covered by the coverage.

2.Moderate illness benefit.

There are 25 kinds of moderate diseases, no grouping and no interval, and you can pay 2 times after diagnosis, and 50% and 60% of the sum insured will be paid in turn.

3.Minor illness benefit.

A total of 40 mild illnesses are covered, up to 3 times can be paid, and up to 3 times after diagnosis, and the amount of each claim will be increased, the first claim will be 30% of the basic sum assured, the second claim will be 35% of the basic sum assured, and the last claim will be 40% of the basic sum assured.

The coverage of this product is still good, the high-incidence diseases are covered, and the compensation ratio and frequency are also very good, the same as mainstream products.

4.Multiple claims for special diseases.

Second compensation for specific minor cardiovascular diseases.

A total of 4 types of Cardiovascular Specific Minor Diseases are covered, and 30% of the sum insured will be paid again if the Insured is diagnosed with the same Cardiovascular Specific Minor Illness again after 1 year of diagnosis.

Second compensation for specific cardiovascular critical diseases.

If you are diagnosed with the same type of Cardiovascular Specific Critical Illness (5 types) for 1 year or more, 100% of the Basic Sum Assured will be paid again.

5.Premium waiver.

During the premium payment period, if the insured suffers from a mild to moderate illness, all outstanding premiums will be waived.

6.Death benefit (optional).

Before the age of 18, pay the premiums paid; After the age of 18, the basic sum insured is paid.

7.Malignant Tumor Medical Allowance (optional).

After 1 year of diagnosis of malignant tumor, if you still have to receive relevant **, follow-up or re-examination in the hospital because of malignant tumor, you can get 20% of the sum insured per year, up to 3 times.

8.Disability for Specific Critical Brain Illnesses (optional).

After suffering from a specific critical brain disease (prescribed 8 types), if you are still unable to do so after one year and are disabled, you will be paid 12% of the sum insured per year, up to 10 times.

Hello, the insurance of this critical illness insurance is not strict, it is a normal health notice.

The administrator of the insurance company is right, now you are in insurance, and when you apply for insurance, it is different, at that time it is insurance when you buy it, and when you buy paper with money and wait for the newspaper to use paper to exchange money.

If you ask the right insurance company, we don't know.

At present, the rules for applying for critical illness insurance are particularly strict, and it is strictly necessary to apply for insurance with illness.

Yes, there are 8 main types, and the detailed conditions of nuclear plexus brain disease are shown in the table below

**From Huize Insurance Network.

These 8 specific brain diseases are included in the 100 critical diseases. This means that if you choose the protection responsibility of [Specific Critical Illness Disability Insurance Benefit], if you unfortunately suffer from one of these 8 specific brain diseases, you can get a compensation of the basic sum insured, in addition, one year after the diagnosis, you can also get a subsidy of 12% of the basic sum insured every year, until the 10th year or until the death of the insured, you can get an additional 120% of the basic sum insured for the brain special disease insurance benefit.

Each insurance has different protection, and the amount of his contribution is also different, so ask your insurance officer specifically.

Xinai No. 2 Critical Illness Insurance has been launched on Huize.com, and the insurance product is a critical illness insurance focusing on cardiovascular and cerebrovascular protection, giving the insured dual-core protection of the heart and brain, so it is favored by users. Compared with general critical illness insurance, XinAi No. 2 has the following advantages:

1. More comprehensive protection.

Insurance products are divided into mandatory liability and optional liability, of which the mandatory liability covers 100 major illnesses + 25 moderate illnesses + 40 mild illnesses + 5 cardiovascular specific critical illnesses secondary compensation + 5 cardiovascular specific diseases secondary compensation + insured waiver; The optional liability covers malignant tumor medical allowance insurance + specific critical illness disability insurance benefit + death insurance benefit + policyholder waiver, and the insurance product has comprehensive protection and can provide you with comprehensive critical illness care.

2. High compensation ratio.

The insurance product can pay 2 times for 25 kinds of moderate illnesses, and each time it is 60% of the basic sum assured; 40 kinds of mild illnesses can be paid 3 times in total, respectively % and 40% of the basic sum assured, mild and moderate illness protection is comprehensive and the compensation ratio is high, which can effectively transfer the financial burden after the accident.

3. Second compensation for the same kind of cardiovascular disease.

The insurance product stipulates that if the insured suffers from the five specific cardiovascular critical illnesses agreed in the contract for the first time, and after one year from the date of diagnosis, if the insured suffers from the same specific cardiovascular critical illness again and is diagnosed with the same cardiovascular specific critical illness, the insurance benefit will be paid according to 100% of the basic sum insured; If you suffer from the first 5 specific cardiovascular minor diseases agreed in the contract, and you suffer from the same specific cardiovascular minor diseases again one year after diagnosis, the insurance benefit will be paid at 30% of the basic sum insured.

4. Abundant optional responsibilities.

The insurance product can choose the malignant tumor medical allowance insurance benefit, that is, the insured suffers from a malignant tumor for the first time, and one year after the date of diagnosis, due to the malignant tumor in the hospital to receive relevant **, follow-up or re-examination, the insurance benefit will be paid according to 20% of the basic sum insured, and the payment is limited to 1 time in each year, and the cumulative payment reaches 3 times or the insured dies, and the contract is terminated.

In addition, the insured can choose the disability insurance benefit for specific critical diseases of the brain for the first time, and after one year from the date of diagnosis, the insurance company will pay the insurance benefits according to 12% of the basic sum assured, and the payment is limited to 1 time per year, and the cumulative payment reaches 10 times or the insured dies, and the contract is terminated.

5. Low insurance.

The basic insurance amount is 500,000 yuan, the protection is lifelong, 30 years of payment, no additional liability, the first year of insurance payment for a 30-year-old male is 5725 yuan, and the insurance product is 5,725 yuan, and the same type of insurance products on the market have obvious competitive advantages, ordinary families will not have a financial burden when insured, and the insurance products are cost-effective, and it is worth buying.

6. Flexible choice of planning.

The insurance protection period is up to 70 years old, 80 years old to life, and the payment period is 5 10 15 20 30 years.