Can I buy Part D of Sino Dutch Life Care Critical Illness Pension Plan with an insured amount of 210

It is recommended to communicate with the insurance person in detail, and ask the insurance to issue an insurance plan (with a bar code, not word), if you understand it clearly, you will be busy implementing it if you think it is good, so that you can have a peace of mind as soon as possible. Reference: What is insurance What insurance does a 27-year-old buy with a safe travel card.

Centennial Fushou Win-Win Pension Insurance, guaranteed for 20 years, with additional health and critical illness, covering 35 major illnesses and up to 3 claims. The additional fund account is compounded with interest, which is convenient to receive. Please refer to my article and case references:

More and more whole life pension insurance Centennial Life has launched a new 100-year additional health critical illness insurance.

I mainly want to buy critical illness insurance, and the insured amount of 50,000 yuan is an example Sino-Dutch Life Insurance "Lifetime Care" - No Dividend Payment Period 20 Years Have You Seen Ping An Xinsheng's Dividend, as high as 100,000 when you are 70 years old, and a cash value of more than 40,000, if.

Taking a 30-year-old man, 500,000 sum insured, and 30 years of payment as an example, the ** of the critical illness insurance is more than 12,000 ambush yuan, which is already very expensive.

And this product is not cost-effective, many of the coverage content is missing, and it is not recommended to buy.

So what are the problems with this product? Let's break it down in detail:

Can I buy Sino-Dutch peace of mind? The key is to look at these points

1. What is the protection of Sino-Dutch Life Critical Illness Insurance?

We can see from the picture that the protection content of the Critical Illness Insurance is not rich enough.

The strength of disease protection is really not very good!

The first thing to pay attention to is the most basic critical illness protection, in the peace of mind protection, it divides the critical illness into 5 groups, each group has 1 compensation, and a compensation is 100% of the sum insured, which is unsatisfactory in terms of the proportion of compensation.

Nowadays, there are many multi-claim critical illness insurance, which will set a gradient to increase the proportion of compensation, for example, Ford Plus can pay up to 200% of the sum insured, and no matter how bad it is, it will set a premise for additional compensation, that is, before the age of 60 or before the 15th policy anniversary.

But in the peace of mind guard, it is a dry 100% sum insured, and the comparison is quite obvious: if they all buy 500,000 short of the sum insured, another insurance can pay 60% more than the sum insured, that is, the amount of compensation is 300,000 more, then of course it is the choice to pay more insurance.

Should I buy critical illness insurance with multiple claims? Turns out we're all in the trap!

Only 30% of the sum insured will be paid for only one malignant tumor - severe additional group benefit

At present, there are many critical illness insurance policies that set up multiple additional claims for malignant tumors - severe additional compensation, and some set up secondary compensation for malignant tumors and the second compensation will be more than 100% of the sum insured.

According to the big data report on China's national health and nutrition released some time ago, a quarter of the world's cancer patients are from China, and there are many new cases.

It is the multiple additional claims and multiple claims set up for the case of cancer**, and it is useless to protect the malignant tumor of critical illness insurance with peace of mind.

2. Is Sino-Dutch Life Care Critical Illness Insurance recommended?

The protection of Chinese Life Care Critical Illness Insurance is not very good, and the compensation ratio is not high, and ** is not low. With the same insurance conditions, you can buy critical illness insurance with more protection and higher payout ratio for the same amount of money.

On the whole, Sino-Dutch Life Critical Illness Insurance does not have any particularly excellent protection, ** is not very affordable, and is not suitable for Amway to everyone, I hope you can compare more good critical illness insurance:

The new definition of critical illness insurance is released, and these ten are more cost-effective!

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

Zhonghe Wanling Life Insurance is the most cost-effective according to the needs and budget of the Royal Trouble, and the amount of money spent each year depends on the personal situation.

Taking into account the ** fee for critical illness and the current price level, it is recommended to allocate at least 300,000 insurance amounts, and 500,000 yuan if the budget is sufficient.

If it is a 30-year-old man who insures himself, with an insurance amount of 300,000 yuan, he chooses the longest payment period of 30 years to pay, and it will cost 7,386 yuan per year.

If you want to continue to understand this product, you can poke: Sino-Dutch Life Insurance is worth buying? You need to know these points!