Can anyone break down the coverage responsibilities of Darwin No. 2 Critical Illness Insurance in de

Darwin No. 2 is a single-payment critical illness insurance product, whether the product is good or not, depends on the content of the protection:

1. Basic guarantee

Issue age: 0-55 years old.

Payment period: 5 10 15 20 30 years.

Waiting period: 90 days.

Critical illness benefit: 120 types, 1 claim; 150% of the sum insured for critical illness before the age of 60; Moderate illness protection: 20 kinds, not grouped, 2 times, 60%; Mild illness protection: 50 kinds, not grouped, 3 times, 40%; Death: Exclusion or Sum Insured.

Waiving: Subsequent unpaid premiums will be waived for critical illness, moderate illness and mild illness of the insured, and the protection will remain valid.

2. Optional protection

Malignant tumors are paid for the second time, and 120% of the sum insured will be paid for new, **, metastasized, and persistent cancer.

Total Disability Care Benefit: 20% of the sum insured per year, up to a maximum of 5 years.

Total Disability Death Benefit: The sum insured.

3. Highlight analysis

150% for critical illness before the age of 60, 120% for secondary cancer and flexible death liability.

4. Defect analysis

Judging from the above analysis, the Darwin No. 2 product guarantee content is more comprehensive, but we also know that there is no perfect product, each product must have advantages and disadvantages, and the shortcomings of the analysis will not put the specific content here, you can click on the original article to view:

Darwin No. 2 can stand out from the crowd

Although Darwin is about to stop selling, it is not recommended to buy blindly, but to combine your own actual situation to see if it is suitable!

According to Xueba's assessment:Darwin II covers 120 critical illnesses, 20 moderate illnesses and 50 minor illnesses. Among them, the critical illness will be paid once; Moderate illness will be paid twice without interval, and 60% of the basic sum insured will be paid each time; Minor illness will not be divided into three claims, and 40% of the sum insured will be paid each time.

From the perspective of the form of protection, the protection of mild, moderate and severe disease + cancer 2 claims is already the most comprehensive form, and the compensation ratio is also higher than the market average.

Of course, this product is not something that can be bought casually, whether it can be bought, whether it is suitable or not, it also depends on the personal physical examination record does not meet the health notice of the product, and whether the health notice is done is related to whether the insurance can be successfully claimed in the future.

Of course, Xueba said that Baobao also took these into account, and analyzed the health notices of Darwin No. 2 one by one in the evaluation article, and at the same time, the hidden potholes of the product were also interpreted in detail. Friends who are interested in the product must read the review article:

Darwin No. 2 is the most complete review

With the continuous improvement of everyone's insurance awareness, the willingness to allocate insurance for oneself has also become stronger, among which critical illness insurance is one of the more favored types of insurance. However, the insurance market is huge, and there are many insurance products, so what critical illness insurance should be purchased? Critical illness** is expensive, insurance to fill the gap, test your anti-risk index, and experts will interpret it for you for free!

Death liability under Darwin No. 3 Critical Illness Insurance is not mandatoryYou can choose to attach death liability or death liability, of course, the premiums of the two will be different, if you can afford it, it is best to choose additional death liability, so that the protection is more comprehensive. Darwin No. 3 is a new critical illness insurance launched by Cindat Life"Comprehensive coverage, record payout ratios, and abundant optional liabilities".and other characteristics, called"King Bomb Critical Illness Insurance".So what's so amazing about it? Is >> Xintai's King Bomb Critical Illness Insurance Darwin No. 3 good?

Is it worth buying? In-depth review!

1.Coverage (as shown in the figure below).

2.Highlights and disadvantages

Highlights:

1) Comprehensive and flexible coverage

It covers the second compensation for critical illness, moderate disease, mild disease, high incidence of moderate and mild disease, and you can also choose whether to add cancer second benefit, cardiovascular and cerebrovascular second compensation, death or total disability benefit, and policyholder waiver according to your needs. Moreover, you can choose to protect until the age of 70 or for life, and there are many options for the payment period, so you can choose the appropriate payment period according to your financial strength, which is quite flexible.

2) The proportion of additional claims for critical illness is high

If you are diagnosed with a critical illness for the first time before the age of 60, an additional 80% will be paid, plus the original sum insured, a total of 180% of the basic sum assured will be paid, which is quite a high compensation ratio, which is a major innovation in critical illness insurance, and the critical illness insurance on the market is basically the highest compensation of 60% of the basic sum insured, and the compensation leverage of this Darwin No. 3 is very high.

3) The second compensation protection for high-incidence moderate and mild illness is very practical

The second diagnosis of moderate stroke also pays an additional 60% of the basic sum insured, the second diagnosis of very early cancer can pay an additional 45%, and the atypical myocardial infarction minimally invasive coronary intervention minimally invasive coronary artery bypass graft pays an additional 45% of the basic sum insured for the second diagnosis, which are all high-incidence diseases, this second compensation is very practical, and the compensation ratio is also good.

4) The proportion of additional cancer secondary compensation and cardiovascular and cerebrovascular secondary compensation is high

The proportion of secondary compensation for cancer and cardiovascular and cerebrovascular secondary compensation is higher than the corresponding compensation ratio on the market, and the proportion of secondary compensation for cancer and cardiovascular and cerebrovascular can have 150%, which is also quite high.

Deficiencies:

Off-site insurance is not accepted:Nowadays, many insurance companies can accept insurance in other places, but Cindat Life is more strict in this regard, and can only be insured in the areas where Cindat Life has opened branches, which is a big loss for people who do not have Cindat Life service points in some places.

Of course, even the most perfect product will hide some flaws that are difficult to find: >> Darwin No. 3: Xintai's Wang Bomb Critical Illness Insurance, but this defect was picked up!

Not required. Darwin No. 3 Critical Illness Insurance can choose the death benefit, if the insured is attached with a death benefit, the premium paid will be paid if the insured dies before the age of 18, and the sum insured will be paid if the insured dies after the age of 18. However, if the insured does not have a death benefit, the insured will die and the insurance company will pay the cash value.

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! 》

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 be re-imposed?

Today, I will give you an analysis and analysis. In addition, I have compiled the current popular critical illness insurance products here, you can compare and refer to:"136 Popular Critical Illness Insurance PK in China".

Darwin No. 3 is a critical illness insurance of Cindat Life, and everyone has heard of Cindat Life, which has been very interesting in the past two years.

Without further ado, look directly at the product:

Xintai Ruyi Anhe (Collector's Edition) Critical Illness Insurance is the full name of Darwin No. 3It 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 suffer from a critical illness before the age of 60, the insurance company will pay an additional 80% of the sum insured, and you can choose to pay an additional 150% of the sum insured for malignant tumors and specific cardiovascular and cerebrovascular diseases, and death liability and term liability are optional.

Let's take a look at what highlights this product has

1.Ultra-high sum insured:The second claim for cancer and the second claim for cardiovascular and cerebrovascular can pay 150% of the sum insured, and the maximum for critical illness before the age of 60 can be up to 80%.

Although according to its forward trend, it has been predicted that one day it will be doubled, but it is a little too 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, which is also in the mandatory insurance, and this is better.

However, it is still a bit of a white jade slight flaw, although the high incidence of mild and moderate diseases have additional compensation, but the pre-existing conditions can be protected, at present, only the Centennial Life Kanghui Insurance, pre-illness protection is the only way for the development of critical illness, early claim can be made as soon as possible, so as not to deteriorate into a critical illness! Therefore, the appearance of pre-condition protection is good for everyone! The policyholder can get the earliest** to prevent it from deteriorating into a critical illness, and the insurance company can also avoid paying a critical illness benefit.

If you want to know more about the pre-existing conditions and friends of Kanghuibao, I have written an in-depth review article of Kanghuibao, you can take a look:"Antecedents Protection Turned Out? What is a pre-existing condition and is it worth buying? 》

3.Cancer Benefit Optimization:A good critical illness insurance for cancer is standard, although the interval of this one is a little longer, but the 150% compensation ratio is unique.

A product cannot 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:

"Darwin 3 still has these untold secrets".

Insurance products are very complex, don't blindly follow the trend when buying, you should be realistic and think about what you want to get protection.

Darwin No. 3, a critical illness insurance, has already set off a huge wave in the critical illness insurance market before it was launched

The maximum compensation for critical illness is 180%, the compensation for mild illness is 45% + the second compensation for three conditions, the compensation for moderate illness is 60% + the second compensation for moderate stroke, and the second compensation for cancer & cardiovascular is 150%.

These guarantees are the top one in the current market! So how does it behave?

Double the sum insured for critical illness before the age of life

Prior to this, it was not uncommon for the liability to pay additional compensation for critical illness before the age of 60, but the compensation ratio was at most 60%, and Darwin No. 3 was afraid that the compensation would not be enough, so he went straight up and paid an additional 80% of the sum insured at one time.

In other words, I bought 500,000 yuan of insurance, and if I suffer from a critical illness before the age of 60, I will be compensated 900,000 yuan in one go! Do you think it's cool?

According to the historical claims data of various insurance companies, the age group with a high incidence of critical illness is basically around 35 years old.

Before the age of 60, it can be said that it is the first period of our lives, and being able to provide such a sufficient amount of critical illness insurance has to make me scream three times.

2. The protection for mild and moderate diseases is doubled

At first glance, Darwin No. 3's mild to moderate illness coverage and payout ratio are on par with similar products, and there is nothing new about it. If you look closely, there is actually a lot of article.

50 types of mild diseases, no grouping, no interval, up to 3 times, each time 45% of the sum insured.

Carcinoma in situ with different organs will be paid 1 additional time, 45% of the sum insured; There are also 3 kinds of high-incidence mild diseases, atypical acute myocardial infarction, minimally invasive coronary artery bypass grafting, and the second claim for minimally invasive coronary intervention, with 45% of the sum insured, with an interval of 1 year.

And there is no requirement that the second time must be the same disease as the previous one.

Before Darwin 3 went public, I was looking forward to it. After careful comparison, I am much calmer.

It seems that Xintai is determined to make a fortune before the implementation of the new regulations on critical illness.

So should I buy Darwin 3? Could there be a better product?

In fact, the truth is still the same, better, means more expensive.

It is recommended to prepare it as early as possible before the implementation of the new regulations, so as to obtain more comprehensive protection.

Death liability for Darwin No. 3 Critical Illness Insurance is not mandatory and can be add-on. Although the Darwin 3 guarantee is more comprehensive, it is also good in terms of cost performance. But Darwin 3 also has its drawbacks, so we need to be flexible according to our income and actual needs.

To discover the advantages and disadvantages of Darwin 3, it is necessary to look at its protection contents, which are as follows:

Looking closely at the terms, we can see that Darwin 3 has the following advantages:

1) The amount of critical illness insurance payout is large.

Critical illness insurance in the market generally pays 100% of the critical illness insurance rate, but Darwin 3 pays an additional 80% of the sum insured before the age of 60.

Therefore, this payout is not inferior to other critical illness insurance products on the market.

When it comes to critical illness insurance claims, Super Mario No. 3, which has the same payout as Darwin No. 3, is also worth paying attention to: "How about Cindat Insurance Super Mario, there is not much time to choose a fixed term".

2) Second compensation for mild to moderate illness and specific diseases.

In terms of mild diseases: extremely early malignant tumors or malignant lesions (no interval) and 3 types of cardiovascular high-incidence mild diseases (with an interval of 1 year) are all secondary benefits.

And the second compensation amount for these mild diseases is also 45%, which is very good.

Moderate stroke: Moderate stroke is also a second payout (with an interval of 1 year), and the benefit amount reaches 60%.

3) Insured Waiver.

Waiver refers to the waiver of premiums, which means that if the insured suffers from an illness agreed in the insurance contract and meets the claim criteria, the remaining premiums will not be paid.

Darwin No. 3 contains a minor and moderate illness waiver, as long as the insured suffers from the illness agreed in the insurance contract during the insurance period, the subsequent premiums do not need to be paid.

4) Flexible optional liability.

Darwin 3's optional liabilities are 150% for the second for cancer and 150% for the 3 cardiovascular diseases.

An insurance product has advantages and disadvantages, and Darwin 3 is no exception.

Now that we've talked about the merits, let's take a look at Darwin 3Cons:What are they:

1) Strict health notification.

Darwin 3's health advice is relatively strict, for example, asking about the history of tobacco and alcohol to the number of people per day.

If the health notice cannot be passed, you may not be able to apply for insurance, and more seriously, if the health notice is not properly informed, the insurance company will also refuse to pay for the insurance when you go out in the future.

2) Occupation restrictions are strict.

When applying for critical illness insurance, there is an occupational classification, there are 1-7 types of occupations, and the higher the occupational level, the greater the risk factor.

The occupation restrictions of Darwin 3 are 1-4 and can be insured, and the restrictions on occupations are relatively strict.

High-risk occupations in categories 5-7, such as firefighters, pilots and criminal police, will be directly denied insurance by Darwin 3.

3) Mild to moderate illness secondary claim insurance is not covered by new insurance**.

For example, the second compensation for moderate stroke and the second compensation for very early malignant tumors or malignant lesions are all guaranteed for new hair and not for old hair.

The chance of moderate stroke and very early malignant tumors or malignant lesions** is still quite large, and Darwin No. 3 is not insured**, so the practicability of the second claim is greatly reduced.

Although Darwin 3 has the disadvantages mentioned above, these shortcomings are still within the acceptable range in the face of advantages.