Briefly summarize what are the product features of Centennial Combe

At present, the latest version of Kanghuibao is Kanghuibao, this insurance is a big hit recently, and the specific product features can be sneaked up here:After seeing this shortcoming, I don't want to buy [Kanghuibao] anymore

What are the features of Comvibo? Look at the picture:

From the picture above, we can see that Kanghui has these guarantees:

100 kinds of critical illness single claim + 25 kinds of moderate illness 2 times compensation + 48 kinds of minor illness 3 times payment + 12 kinds of precursor single claim + malignant tumor second claim + insured waiver + optional death liability + optional cardiovascular and cerebrovascular second claim

The product features are analyzed from the following points:

Pros:

1.Comprehensive coverage. It covers pre-conditional, mild, moderate and critical illness protection, and even the second compensation for malignant tumors and optional cardiovascular and cerebrovascular secondary compensation, and it is still very good to cover all stages of critical illness.

2.The compensation ratio is high, with a maximum of 50% for mild cases and 60% for moderate casesCompared with most critical illness insurance on the market with a compensation ratio of 30% for mild illness and 50% for moderate illness, the compensation ratio of Kanghuibao is excellent.

Disadvantages: The waiting period is too long, taking 180 days. Most of the critical illness insurance on the market has a waiting period of 90 days, which is a full half, and the insurance company will not pay for the insurance during the waiting period, so the long waiting period is definitely not friendly to consumers.

On the whole, although Kanghuibao has a little flaw, it is still worth buying an insurance that is comprehensive and not high. However, if you want to see the comparison of other critical illness insurance, you can also see the popular critical illness insurance on the marketA comparison table of 136 popular critical illness insurances in China

The product features of Centennial Comvibo are mainly reflected in the following aspects:

Yuan, **low, cost-effective.

There are 30 kinds of serious diseases, 30 kinds of mild diseases, and all kinds of diseases.

3.Minor illness does not affect the sum insured for critical illness and subsequent premiums are waived.

4.A variety of payment methods and protection periods make the choice more flexible.

5.The maximum premium payment is 30 years, and you can enjoy a large sum insured with a small premium.

Hello, this should be decided according to your actual situation. Kanghui Critical Illness Insurance, underwritten by Centennial Life, is a single-payout critical illness insurance that will be launched soon. In recent years, as the flagship product of Centennial Life, the Kanghuibao series has been very popular because of its cost performance.

So can we talk about this Kanghui Critical Illness Insurance today to continue this advantage? Is it worth taking out insurance? How about Critical Illness Insurance?

Is it worth recommending? 》

1. How does Kanghuibao Critical Illness Insurance cover?

(1) First of all, let's talk about the insurance rules of Kanghuibao's critical illness insurance

Babies as small as 28 days old and as old as 50 years old can be insured, and the insurance period can be fixed to 70 years old or lifelong, but the maximum insured amount and payment period are somewhat related to the insurance age.

According to the above relationship chart, we can see that the younger the insurance age, the wider the range of optional payment terms, and the regular protection is higher than the lifetime, and the former has higher requirements for the payment period.

(2) Then talk about the content of Kanghuibao's critical illness insurance

1.Underlying Liability

Critical illness benefit. 100 major illnesses can be paid once, and the reimbursement ratio is 100% of the basic sum assured.

Mild to moderate illness benefit.

25 kinds of moderate diseases, can be paid twice, each time at 60% of the sum insured, no interval;

For 48 mild diseases, the compensation can be increased 3 times, and the compensation will be paid at 40%, 45%, and 50% of the sum insured in turn, with no interval;

Generally, after looking at the compensation ratio of mild to moderate diseases, we will also pay extra attention to whether this product has comprehensive coverage for high-incidence mild to moderate diseases.

From the above figure, we can see that Kanghuibao Critical Illness Insurance covers the above 10 types of high-incidence mild to moderate diseases, and its performance is relatively good.

2. Is Kanghuibao Critical Illness Insurance worth insuring?

First of all, calculate the premium of Comvibo**

If the death liability is attached: on the basis of the basic liability, the premium for 30-year-old women is about 2,600 more, and the premium for men is about 3,100 more.

If you add a second compensation for cardiovascular disease: on the basis of the basic liability, the premium is about 800 yuan more, which is still more cost-effective.

3. Daddy's summary

This time, Centennial Life launched Kanghuibao Critical Illness Insurance, and there are still many highlights. Even compared with similar popular critical illness insurance, the loss ratio and coverage are good.

There is no perfect product, and the shortcomings of Kanghuibao are mainly reflected in the following points:

1. The degree of protection for mild illnesses is average.

Comvibe can only pay once for minor illnesses, and 25% of the sum insured will be paid. Others, such as Hongkang's Healthy Life A+B, have a mild illness compensation of 30% and can be paid 2 times; The sum insured for minor illness is 30%, which can be paid 3 times.

Peaches believes that the liability for minor illnesses is still very important, which not only greatly reduces the claim standard, but also allows for a waiver of minor illness premiums.

2. About the hospital where the diagnosis is confirmed.

Generally, critical illness insurance products are recognized as diagnostic results from secondary and above public hospitals nationwide, and this product needs to be diagnosed in a hospital recognized by Centennial Life (there is a list of designated hospitals, generally a second-class hospital or above). If there is no designated hospital in the local area, it must be approved by the insurance company and must be a second-class or above. Although this is not a pitfall, it is believed that there are restrictions, so there will be a bad experience for consumers.

3. Regarding the occupational category of the insured.

The insurance rules of Centennial Life Benefit Insurance products can cover 1-6 types of occupations, while other products can cover up to 1-6 occupations.

Category 3 and 4, so some evaluation articles list it as a product advantage, but most of the high-risk occupations are excluded in the health notice when actually applying for insurance, which is a bit unkind, and the practical significance of this rule is limited.

Hello, you're right, but Kanghuibao is a critical illness insurance product launched by their family in 2017. This product is specifically designed for both serious and mild illnesses.

It covers 100 critical illnesses up to 500,000 and 30 mild illnesses up to 10,000. And support offline underwriting.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Centennial Life's Comvi Protector covers 100 types of critical illnesses and an optional 30 types of minor illness benefits, which do not occupy the amount of the main insurance and also have a premium waiver function, which can effectively reduce the financial pressure on the insured's family after suffering from mild illnesses. Mild illness benefit is an optional add-on insurance, and if you don't consider mild illness, Kanghui has a great advantage in terms of insurance rates.

Kanghuibao is a very popular critical illness insurance launched by Centennial Life, and it can even be as famous as Darwin No. 3 and Super Mario, the king fried products in the critical illness insurance market, so what are the characteristics of this insurance product? After reading my product analysis next, you will know.

There are many different versions of Kanghuibao, such as Kanghuibao 2020 and Kanghuibao Ultimate. This year is 2020, so I will focus on the analysis of the 2020 version - Kanghuibao 2020.

If you're in a hurry, read this article directly:1 minute to take you to see Kanghuibao 2020

From the figure, it can be analyzed that the characteristics of this product are:

Pros:

Smart underwritingSmart underwriting saves the insured's time and energy, provides more convenient services for the insured, and most importantly, helps improve the underwriting pass rate.

The basic protection is set up intimately: This product provides moderate and mild illness protection, and the compensation ratio and number of claims are higher than most products on the market. Many products on the market will lack moderate illness protection, or the proportion of compensation for moderate and mild illness will be low, and the number of claims will be small.

In comparison, the basic protection settings of this product can be regarded as very sincere.

Summary table of 136 critical illness insurances

The interval between secondary claims for malignant tumors is short: The compensation interval for the second benefit for malignant tumors is set at 3 years, which is relatively short, and can have a practical effect when the insured needs it.

Provision of Insured Waiver: The insured can waive the premium for the later period when he or she reaches the state of mild or moderate illness, which can reduce the premium burden.

Cons:

Additional benefits are required for the second benefit of malignant tumors: Most critical illness insurance companies on the market will directly provide secondary compensation for malignant tumors, and the part of this product on the secondary compensation for malignant tumors needs to be added, so the overall premium will also increase.

Premiums are on the high side: Apply at the age of 30, choose 500,000 insurance amount, protect to life, pay in 30 years, and the annual premium is about 8,000 yuan, which is higher than the premium of most products on the market.

In generalThis product is characterized by a wide range of protection and sufficient protection, but the premium is slightly expensive and the cost performance is a little low. There are also many very cost-effective products to choose from:

Are critical illness insurance expensive? Have you seen these cost-effective products?

Centennial BenefitCare is a pure critical illness insurance (cash value will be refunded on death), 100 critical illnesses, with an insured amount of 10.5 million; This is a long-term critical illness insurance that can be supplemented with minor illness liability (with a minor illness waiver), and the minor illness pays 25% of the critical illness sum assured, up to one time; The waiting period for the product is 180 days (no waiting period for accidents), and the insurance period can be selected until the age of 70 or for life; Payment period: 10 years, 15 years, 20 years, 30 years.

Let's talk about the advantages of this product first:

Unlimited occupations: This product is to cover 1-6 types of occupations, except for the occupations that cannot be insured in the insurance notice, the rest are OK, which is a more obvious advantage. Most of the rest of the products are to cover 1-4 types of occupations, and this product is suitable for a wider range of people.

Cheap premium: It can be seen that this product has some advantages, after all, the product that is listed later, for the needs of competition, will be slightly cheaper. Compared with Hongkang Health Life A, this product also has a 30-year payment, which can greatly reduce the annual payment pressure, and is more suitable for friends with limited budgets.

Wide sales area: The insured area covers the following provinces and cities: Dalian, Hubei, Hebei, Liaoning, Beijing, Henan, Heilongjiang, Anhui, Shandong, Jiangsu, Sichuan, Fujian, Shaanxi, Inner Mongolia, Jilin, Jiangxi, Zhejiang, Shanxi, Guangdong, Chongqing.

Let's talk about the disadvantages of this product:

Low Coverage for Minor Illness: The compensation ratio for minor illness is 25%, which is slightly lower than that of Hongkang Health Lifetime A.

Minor illness is paid 1 time: Minor illness is paid 1 time, and Hongkang Health is paid 2 times in a lifetime.

The types of mild diseases are also relatively comprehensive, covering relatively high-incidence diseases, such as atypical myocardial infarction, coronary intervention, sequelae of stroke, etc. We also compared the definitions of different diseases, because there is no unified standard in the mild disease industry, so there is no obvious disadvantage of this product compared with others, if you pay too much attention, you can focus on the terms.

In addition, the cash value of this product is returned on death, but the cash value of consumer-based critical illness insurance is not very high, and the cash value at maturity becomes 0, but a little can be returned after death during the insurance period.

Hello, there are mainly the following major features:

1.Projects that still retain advantages: Kanghuibao still has many branches (theoretically insurable places); Up to 100 types of critical illnesses.

2.Choose between lifetime and non-lifetime insurance periods.

3.The occupational categories of Kanghuibao are 1-4 categories, with 30 mild diseases;

4.Low rates.

Different insurance products vary, you can call your desired insurance company** for advice.

What critical illnesses are covered by critical illness insurance? Read the truth about critical illness insurance in one article!

First of all, let's take a look at the coverage of Comvibo 2020 and Comvibo:

As you can see from the figure, both Comvibo 2020 and Comvibo are covered100 critical illnessesAmong them, among the 100 critical illnesses, there are 25 critical illnesses that must be included in the regulations of the Insurance Regulatory Commission;

InModerate illness benefitIn 2020, Kanghuibao 2020 covers 20 types of moderate diseases, and Kanghuibao covers 25 types of moderate diseases; and both are 2 times without grouping claims to pay 60% of the basic sum assured;

Minor illness benefitOn the above, Kanghui Insurance 2020 covers 35 types of mild diseases, and the amount of compensation is 35%, 40%, and 45% of the basic sum insured in order for 3 times without grouping; Kanghui Insurance covers 48 types of mild diseases, and the amount of compensation is 40%, 45%, and 50% of the basic sum insured in order for 3 times without grouping;

In addition,Kanghuibao also has pre-condition protection, which covers2 types of precursorsIt is a new attempt in the protection of critical illness insurance products, if you suffer from one of the 12 pre-existing diseases, 15% of the sum insured will be paid, and there is also the function of waiving the premium for pre-existing diseases; WhileKanghuibao 2020 has one moreSpecified critical illnessesIt covers 13 kinds of men's special diseases, 9 women's special diseases and 10 children's special diseases, of which an additional 50% of the basic sum insured will be paid when suffering from male and female special diseases, and 100% of the basic sum insured will be paid when suffering from children's special diseases;

ForOptional critical illness benefitKanghuibao has cardiovascular and cerebrovascular secondary compensation and death protection; Both also cover the protection of secondary compensation for malignant tumors;

It is said that the Centennial Life Family's Kanghuibao series is very cost-effective, and several similar series of products (Kanghuibao and Kanghuibao 2020) have been launched this year, what is the matter? See my analysis:[Kanghuibao 2020], which everyone praises, still has these shortcomings.