How about China Life Corning Critical Illness Insurance? How to insure

Corning 2019It is a lifelong critical illness insurance that is relatively popular in Chinese Life. If you apply for insurance, you can find an offline ** person of Chinese Life or find an insurance broker, or call customer service **95519 for insurance. Corning 2019 without"Critical illness has a high additional payout, and you can add both".and other characteristics once became the life of Chinese"Darling".But is it really that good?

1.Coverage

Corning 2019 is a lifetime critical illness insurance with an insured age of 0-60 years old, 100 critical illnesses, 1 100% of the basic sum assured, 50 minor illnesses, 1 20% of the basic sum assured, minor illness waiver for the insured, 100% of the basic sum assured for death, and 7 types of specific critical illnesses for men and women and children, with an additional 50% of the basic sum assured.

2.Advantages and disadvantages:

Pros:

1) High visibility, many service outlets:Chinese Life is a big brand company, enjoys a certain reputation in China, has a large customer base, and can basically find Chinese Life service outlets in all provinces and cities across the country, including some township areas.

2) Adequate protection:Minor illness and critical illness will be paid 1 time each, and there are 7 specific critical illnesses for men, women and children with an additional 50% of the sum insured, which is basically enough.

Cons:

1) Not cost-effective:A 30-year-old man, buy 500,000 sum insured, pay for 30 years, for life, the annual premium needs 13,100 yuan, the premium is relatively expensive, and this product is only a single compensation critical illness insurance, ** is not low, not cost-effective.

2) Low payout ratio for mild illness:Many critical illness insurance on the market basically start with 30% of the compensation ratio, and this Corning 2019 only pays 20%, which is relatively low.

In fact, the shortcomings of Corning 2019 are not only these two points, it also has some hidden shortcomings, I will not go into detail here one by one, all in this article: >> Guoshou Corning 2019, there are so many shortcomings, which is shocking! Hope!

Xueba talks about insurance, focusing on insurance evaluation! Today we analyze Chinese Life Corning 2019 Whole Life Critical Illness Insurance. Let's first take a look at a comparison of Corning's 2019 Whole Life Critical Illness Insurance and the popular critical illness insurance in China:

Corning 2019 Whole Life Critical Illness Insurance and 135 Popular Critical Illness Insurance Programs in China

Corning's 2019 lifetime critical illness insurance has been very popular.

Let's take a look at Corning's coverage first

Here are the pros of this product:

1.High Coverage for Specific Illnesses:Children, men and women can all have 7 specific critical illness benefits with an additional 50% benefit. In the unfortunate event of a specific illness, you will receive 150% of the sum insured.

2.Corning Optional Insurance:You can choose to cover both of them up to the age of 60, 70 or even 80, and the critical illness benefit will remain in force even if you are not diagnosed with critical illness or severe disability, and 110% of the total premium will be refunded.

This premium can be used directly as a pension, and critical illness protection is still available.

But the shortcomings of this one cannot be ignored:

1.The payout for minor illnesses is not high. Nowadays, there are many popular critical illness insurance companies on the market that have multiple claims and a compensation ratio of more than 30%, but this critical illness insurance only pays 20% and the number of claims is one, and the average loss ratio is even lower.

2.There is a severe lack of disease. When I saw the product guarantee, I saw that there were 100 kinds of critical illnesses and 50 kinds of mild diseases and 21 kinds of special diseases, which seemed to be very rich, but when I checked the list of specific diseases of this product, I noticed that many common critical diseases were not included in it, such as autologous hematopoietic stem cell transplantation and severe Reye's syndrome; There are so many types of protection that seem to be in vain.

3.The premium is too high. We can see from the premium calculation that 30-year-old men need 16,400 yuan to buy this product; If you add an additional add-on to the age of 70, then the annual premium will reach 21,300.

Such a ** is really high.

If you feel that the product of Chinese Life is worthy of your trust, and the economic situation is good, and accept its shortcomings, you can consider buying;

But if you're more inclined to a cost-effective critical illness insurance product, you can take a look at the article I wrote:"The most popular critical illness insurance worth buying is here! 》Hope!

Corning Life is a Chinese Life Life Series Critical Illness Insurance, Corning Life Series includes Corning Lifetime Critical Illness Insurance, Corning Lifetime Supreme Edition, Corning Lifetime 2019 and other products.

Since you didn't give the full name of the product, I'm not sure which one you want to ask, if you have any insurance questions, welcome to consult Daddy!

Under the new regulations, we have evaluated more than 1,000 critical illness insurance products and selected the best 10 critical illness insurance products on the market. New Definition of Critical Illness Rankings Announced! The first place turned out to be it! 》

Xueba talks about insurance, focusing on insurance evaluation! Today I will show you how about Chinese Life Corning 2019 Lifetime Critical Illness Insurance? Let's take a look at the comparison table of Corning's 2019 Whole Life Critical Illness Insurance with the other 135 popular critical illness insurance policies in China:

"Comparison chart between domestic critical illness insurance and Corning 2019 lifetime critical illness insurance".

Corning's 2019 lifetime critical illness insurance has been very popular.

Let's take a look at Corning's coverage first

As you can see from the picture, this product still has bright spots:

1.High Coverage for Specific Illnesses:Children, men and women each have 7 specific critical illness benefits, and an additional 50% will be paid.

Assuming that you suffer from a specific illness, you can pay the basic critical illness sum assured + an additional 50% of the sum assured, which is 150% of the sum insured.

2.Corning Optional Insurance:After the add-on, you can choose to cover until the age of 60, 70 and 80, and after the expiration date, if there is no critical illness or high disability, 110% of the total premium will be refunded, and the critical illness benefit is still in effect.

After the expiration date, you can receive the premium paid, and the critical illness protection is still effective.

But if you look closely, there are really a lot of shortcomings of this product;

1.The payout for minor illnesses is not high. There are many critical illness insurance policies that pay more than 30% and multiple claims, but this critical illness insurance pays only 20%, which is lower than the average loss ratio in the market.

2.There is a severe lack of disease. When I saw 100 kinds of serious diseases and 50 kinds of mild diseases with 21 kinds of special diseases, the types seemed to be very rich, and when I went to see the list of specific diseases, I felt that many common serious diseases were not recorded, such as the familiar autologous hematopoietic stem cell transplantation, chronic respiratory failure, severe Kawasaki disease, severe hand, foot and mouth disease, severe Reye's syndrome, etc. are not in the list of diseases of this product; Even if there are so many types of benefits, but there are many common illnesses, I believe everyone can understand the effect.

3.The premium is too high. If you look at the watch carefully, you can know that 16,400 yuan is an adult male without additional insurance; If you add both to the age of 70, the annual premium is as high as 21,300.

Such a ** is really high.

If you have a soft spot for Chinese life products, have a sufficient budget, and the shortcomings are acceptable to you, you can start preparing your homework;

Maybe this product does not meet your expectations, you can learn about the popular critical illness insurance products in China:"Top 10 Cost-effective Popular Critical Illness Insurance Inventory! 》

Chinese Life's Corning Critical Illness Insurance includes Corningsure (paragraph A), Corningsure (paragraph B), Corningbao (paragraph C) and so on. This is a series of critical illness insurance, Chinese Life was established in 1996, with a registered capital of 4.6 billion yuan, is the big brother of the domestic insurance industry. The basic main products are:

How is Chinese life, what products, which is good, what are the pits, in-depth analysis

Corningbao's Type A and Type B critical illness insurance coverage is not high, and neither of them covers moderate illness. Paragraphs A and C do not cover minor illnesses, only critical illnesses. We said before that when we buy critical illness insurance, we must buy light and moderate illness, which are the early stage of critical illness, although they do not meet the standards of critical illness, but compared with the minor illnesses and small pains in our lives, it is still a little more serious, so a good critical illness insurance covers mild and moderate diseases, and it is better to pay for multiple times.

Of course, the more mild symptoms the better, and the specific protection can be quickly read in my note:

Is the more mild illnesses in critical illness insurance, the better?

In addition to covering mild and moderate illnesses, critical illness insurance with multiple claims should also pay attention to whether the sub-combination is unreasonable, and whether the high-incidence critical illness (cancer) is divided into separate groups.

After satisfying the above two conditions, you can choose cost-effective critical illness insurance according to your personal situationTop 10 Cheap and Good Price Critical Illness Insurance** Points!

Summary. 1. Critical illness insurance benefits:

Within 180 days from the date of entry into force (or final reinstatement) of the contract, if the insured suffers from the critical illness (whether one or more) specified in the contract for the first time and is clearly diagnosed by a specialist doctor, the contract shall be terminated, and the insurance company shall pay the critical illness insurance benefit according to the insurance premium (excluding interest) paid in the contract;

If the insured suffers from the critical illness (whether one or more) referred to in the contract (whether one or more) due to the first occurrence and diagnosis of the critical illness referred to in the contract after 180 days from the date of the effective date (or the final reinstatement) of the contract due to the first occurrence and diagnosis of the disease, the insurance company shall pay the critical illness insurance benefit according to the greater of the following three at the time of the insured's diagnosis of the critical illness.

If the above situation is caused by accidental injury, there is no 180-day limit.

1) The basic insurance amount of the contract; (2) The insurance premium paid under the contract (without interest); 3) Contract cash value.

Which insurance company's product is China Life Corning Whole Life Critical Illness Insurance.

Hello, I am a special financial consultant of the platform, I have seen your question, and I am sorting out the answer, it will take about 3 minutes, please wait a while.

Hello, dear, China Life Corning Whole Life Critical Illness Insurance is a product of Chinese Life, is a critical illness insurance, thank you.

It provides 100 types of critical illness, 21 specific critical illnesses, 50 specific illnesses, and a maturity payment upon maturity, as well as death and high physical disability benefits.

1. Critical illness insurance benefit: If the insured suffers from the critical illness (regardless of one or more) specified in the contract for the first time due to the first occurrence and diagnosis of the critical illness (regardless of one or more) due to the effective date of the contract (or the final reinstatement) of the contract within 180 days from the date of the effective date of the contract (or the final reinstatement), the insurance company shall pay the critical illness insurance benefit according to the insurance premium (excluding interest) paid in the contract; If the insured suffers from the critical illness (whether one or more) referred to in the contract (whether one or more) due to the first occurrence and diagnosis of the critical illness referred to in the contract after 180 days from the date of the effective date (or the final reinstatement) of the contract due to the first occurrence and diagnosis of the disease, the insurance company shall pay the critical illness insurance benefit according to the greater of the following three at the time of the insured's diagnosis of the critical illness. If the above situation is caused by accidental injury, there is no 180-day limit.

1) The basic insurance amount of the contract; (2) The insurance premium paid under the contract (without interest); 3) Contract cash value.

2. If the insured survives to the effective date of the expiration of the insurance period and has not been diagnosed with a major illness or a high degree of physical disability as agreed in the main contract, the insurance company shall pay the maturity insurance premium at 110% of the sum of the insurance premiums (excluding interest) paid in the main contract and the additional contract.

The above is my reply, I hope it will be helpful to you, thank you for consulting <>

Summary. Hello dear and happy to answer your <>

China Life Corning Lifetime Critical Illness Insurance+ is a disease insurance product launched by Chinese Life, aiming to provide customers with comprehensive health protection. Here are the key features and details of the product: Lifetime Guarantee:

This insurance product provides lifetime protection, so customers do not have to worry about buying insurance again after the coverage expires. Multiple claims: This product supports multiple claims, that is, when the insured suffers from different critical illnesses, multiple claims can be made without paying additional premiums.

Flexible Sum Insured: The amount of coverage provided by this product is very flexible and can be selected according to the actual needs of customers. At the same time, it also supports monthly insurance payments, which is convenient for customers to manage cash flow.

China Life Corning Whole Life Critical Illness Insurance + Details.

Hello dear and happy to answer your <>

China Life Corning Lifetime Critical Illness Insurance+ is a disease insurance product launched by Chinese Life, aiming to provide customers with comprehensive health protection. The following are the main impulse features and details of this product: Lifetime Guarantee:

This insurance product provides lifelong protection, so that customers do not have to worry about buying insurance again after the expiration of the coverage. Multiple claims: This product supports multiple claims, that is, when the insured suffers from different critical illnesses, multiple claims can be made without paying additional premiums.

Flexible Sum Insured: The amount of coverage provided by this product is very flexible and can be selected according to the actual needs of customers. At the same time, it also supports monthly insurance payments, which is convenient for customers to manage cash flow.

You want to ask how much you will pay for the five or five years of China Life Corning Lifetime Critical Illness Insurance for every year 2760 if you find out that you are seriously ill.

Kiss <>

China Life Corning Whole Life Critical Illness Insurance refers to the amount of compensation paid by the insurance company when the policyholder is diagnosed with a critical illness as agreed in the insurance contract. Different insurance companies and different insurance products have different coverage coverage, sum insured and payment standards. Therefore, Feng argues that you need to check the terms of your own insurance contract regarding the payment of benefits.

I have paid the insurance for five years, and now I find out how much is the profit of paying for a serious illness at one time, and I pay 2,760 yuan a year.

Kiss <>

As long as the hospital is diagnosed with a major He's disease and a certificate is issued, you can get compensation for Zen Traces. If it is 100,000 yuan, once it is confirmed that it is a critical illness, 200,000 yuan will be paid, and another 100,000 yuan will be paid after death, and 300,000 yuan will be directly compensated due to accidental death.