What are the 60 major diseases in Jin You s life?

The top 25 diseases are the same for each company.

New Kim You: Advantages, waiver of premiums for mild illness;

Disadvantage, Minor Illness Sum Insured, Occupation of Critical Illness, Death Sum Insured;

Dividends, premiums are too high, and benefits are uncertain.

There are various types of critical illness insurance, and only those that meet your actual needs, are cost-effective, and have good claims services are the first choice.

Common forms of critical illness insurance, and points to note:

1. According to the duration of the insurance: regular and lifetime;

2. The impact on other types of insurance after payment: early payment (after payment, the amount of death and other benefits will be reduced accordingly) Additional payment (the amount of death and other insurance will not be affected);

3. Number of payments: single, two, three, four, etc.;

4. Waived: Waiver of late premium for mild illness and waiver of late premium for critical illness;

5. Observation period: whether life insurance is the same as critical illness insurance, and some life insurance (death) has no observation period;

6. The ratio of additional benefits for individual diseases, the duration of protection, and the scope of diseases (this article is more greasy, so you must pay special attention to it). Wait.

Xueba talks about insurance, focusing on insurance product evaluation! The latest 136 popular critical illness insurances

To you who know this when you see this.

"It's true that the Internet says that Jin You's life is not good? 》

You can find out.

Next, I will analyze the advantages and disadvantages of Jin You's life:

Advantages: 1) The setting of dividends makes the sum insured not so serious as the depreciation with inflation, but it has little effect;

2) The company's brand awareness is high, and there are many branches and offline people, so that the service outlets of the Pacific are easy to find, and it will be more convenient to apply for insurance claims.

Disadvantages: Honestly, there are quite a few disadvantages.

Jinyou Life is unsatisfactory in terms of dividends and premiums, and more importantly, in terms of disease protection, Jinyou Life is still not worth recommending! There's too much content, it's too messy to show here, and I've written all the reasons in this one I know, you can take a look"It's true that the Internet says that Jin You's life is not good? 》。

To sum up, I have never recommended participating critical illness insurance, even if it is a big brand product like Jinyou Life, buying insurance protection and financial management still have to be separated, in order to make the best use of each.

Hope, thank you!

Malignant tumors, acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting, end-stage renal disease (or uremia phase of chronic renal failure), multiple limb loss, acute or subacute severe hepatitis, benign brain tumor, decompensated chronic liver failure, sequelae of encephalitis or sequelae of meningitis, deep coma, deafness in both ears, blindness in both eyes, paralysis, heart valve surgery, severe Alzheimer's disease.

Severe brain injury, severe Parkinson's disease, severe burns, severe primary pulmonary hypertension, severe motor neuron disease, loss of speech ability, severe aplastic anemia, aortic surgery, neurocystic disease, primary cardiomyopathy, vegetative state, generalized myasthenia gravis, necrotizing fasciitis, end-stage lung disease, human immunodeficiency virus (HIV) infection through blood transfusion, muscular dystrophy, severe multiple sclerosis, severe Crohn disease, severe asthma, severe myocarditis, Severe ulcerative colitis, primary sclerosing cholangitis, acute necrotizing pancreatitis, third-degree atrioventricular block, Wilson's disease.

Extended information: Critical illness insurance refers to the commercial insurance behavior handled by the insurance company that pays the insurance premium according to the insurance contract when the insured reaches the critical illness status agreed in the insurance clause when the risk of specific critical illness, such as malignant tumor, myocardial infarction, cerebral hemorrhage, etc. occurs.

From February 1, 2021, insurance products under the old definition of critical illness will be completely removed from the shelves. According to the new regulations, some diseases will be paid according to the severity of the two levels, and the policy can be renewed, and the number of diseases covered has also increased. For the first time, the new regulations introduce the definition of mild illness, which divides the three core diseases of malignant tumor, acute myocardial infarction and sequelae of stroke into severe diseases and mild diseases according to their severity, and the upper limit of the proportion of the sum insured that can be paid for these three mild illnesses is determined to be 30% of the total sum insured.

Malignancy, Acute myocardial infarction, Sequelae of stroke, Coronary artery bypass grafting, End-stage renal disease, Multiple limb loss, Benign brain tumor, Decompensated chronic liver failure, Deep coma, Deafness in both ears, Blindness in both eyes, Paralysis, Heart valve surgery, Severe Alzheimer's disease, Severe brain injury, Severe Parkinson's disease, Severe primary pulmonary hypertension, Severe motor neuron disease, Loss of speech ability, Aortic surgery, Cystic disease of the renal medulla, Primary cardiomyopathy, Persistent vegetative state, Generalized myasthenia gravis, necrotizing fasciitis, end-stage lung disease, severe multiple sclerosis, severe clonal absolute, severe asthma, severe myocarditis, severe ulcerative colitis, primary sclerosing cholangitis, acute necrotizing pancreatitis, Wilson's disease, erosive molar pregnancy, poliomyelitis, severe rheumatoid arthritis, pancreatic transplantation, Ebola virus infection, ruptured cerebral Qi Jing aneurysm clip Gao Hongshen closed surgery, elephantiasis caused by filariasis, pheochromocytoma, systemic sclerosis, chronic ** pancreatitis, Still's disease.

The coverage of Golden Life includes:

1.Critical illness benefit, covering 100 types of critical illnesses, 100% of the basic sum assured for confirmed diagnosis.

2.Minor Illness Benefit: Covers 50 types of minor illnesses, with a maximum of 3 claims, and 20% of the basic sum insured each time. In the unfortunate event of death, the basic insurance amount and the accumulated dividend insurance amount shall be paid.

3. Serious diseases include: malignant tumors, acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass, end-stage renal disease (or chronic renal failure uremia), multiple limb loss, acute or subacute severe hepatitis, benign brain tumor, compensation period of chronic liver failure, sequelae of encephalitis or sequelae of meningitis, deep coma, deafness, blindness, paralysis, heart valve surgery, severe Alzheimer's disease.

Severe brain injury, severe Parkinson's disease, severe burns, severe primary axial hypertension, severe motor deficit neuron disease, loss of speech ability, severe aplastic anemia, aortic surgery, cystic disease, primary cardiomyopathy, vegetative state, generalized myasthenia gravis Necrotizing fasciitis, end-stage lung disease, Human immunodeficiency virus (HIV) infection caused by blood transfusion, muscular dystrophy, Severe multiple sclerosis, Severe cloning, Severe asthma, Severe myocarditis, Severe ulcerative colitis, primary sclerosing cholangitis, acute necrotizing pancreatitis third-degree atrial block, Wilson's disease.

Summary. Dear, there are many kinds of protection for this insurance: 1. Critical illness protection.

Jinyou Life 2018, covering a total of 100 critical illnesses, with 1 claim, nothing special. The 25 types of critical illnesses stipulated by the insurance industry association already account for more than 95% of critical illness claims, and there is little difference between 100 and 50 types. 2. Mild illness protection.

Jinyou Life 2018 contains 50 kinds of mild diseases, which can be paid 3 times without grouping, and 20% of the sum insured each time. The number of diseases and the number of claims are sufficient, but the 20% compensation ratio is obviously low. Most critical illness insurance pays 30% of the sum insured, and some critical illness insurance is higher, such as Xingyue, which can pay up to 40% of the sum insured for mild illness.

3. Total disability benefit in death. Jin Blessed Life 2018, can protect death and total disability. If the insurance is taken before the age of 18, the premium paid will be refunded; If the accident occurs at or after the age of 18, the sum insured will be paid.

It should be noted that critical illness, death, and total disability are shared with the sum insured, and after the critical illness is paid, the protection for death and total disability will be gone.

Golden Blessing Life Whole Life Insurance, Critical Illness Insurance.

Hello dear, glad to answer for you. Jinyou Life 2018 is a product of Pacific Insurance, which is mainly composed of two parts, the main insurance is a whole life insurance with dividends, and the additional insurance is a whole life critical illness insurance. Many people buy this product and are beaten by dividends.

Dear, there are many kinds of protection for this insurance: 1. Critical illness protection. Jinyou Life 2018, covering a total of 100 critical illnesses, with 1 claim, nothing special.

The 25 types of critical illnesses stipulated by the insurance industry association already account for more than 95% of critical illness claims, and there is little difference between 100 and 50 types. 2. Mild illness protection. Jinyou Life 2018 contains 50 kinds of mild diseases, which can be paid 3 times without grouping, and 20% of the sum insured each time.

The number of diseases and the number of claims are sufficient, but the 20% compensation ratio is obviously low. Most critical illness insurance pays 30% of the sum insured, and some critical illness insurance is higher, such as Xingyue, which can pay up to 40% of the sum insured for mild illness. 3. Total disability benefit in death.

Jin Blessed Life 2018, can protect death and total disability. If the insurance is taken before the age of 18, the premium paid will be refunded; If the accident occurs at or after the age of 18, the sum insured will be paid. It should be noted that critical illness, death, and total disability are shared with the sum insured, and after the critical illness is paid, the protection for death and total disability will be gone.

Critical illness insurance refers to the commercial insurance behavior handled by the insurance company to cover specific critical diseases, such as malignant tumors, myocardial infarction, cerebral hemorrhage, etc., and when the insured suffers from the above-mentioned diseases, the insurance company will provide appropriate compensation for the medical expenses spent. According to whether the premium is refunded, it can be divided into consumption-based critical illness insurance and return-oriented critical illness insurance.

I bought it for 15 years, and I paid it in 15 years, can I get the money all at once?

No, you cannot. At that time, the salesman told me that after 15 years, I could get the money at one time.

You can only get back the cash value of this.

You can get money, but you can only take cash value.

Don't be fooled with this.

This is detailed in your contract.

Summary. Hello, Jinyou Life Whole Life Critical Illness Insurance is a lifelong critical illness insurance product of Pacific Insurance Company. Since its launch in 2012, this product has been updated in three versions, namely the 2012 version, the 2014 version and the 2018 version.

Golden Blessing Life Whole Life Insurance, Critical Illness Insurance.

Hello, Jinyou Life Whole Life Critical Illness Insurance is a lifelong critical illness insurance product of Pacific Insurance Company. Since its launch in 2012, this product has been updated in three versions, namely the 2012 version, the 2014 version and the 2018 version.

Among them, the most comprehensive protection is the upgraded version in 2018, which provides 100 types of critical illness protection basic sum assured + accumulated dividend sum assured, and if the diagnosis is confirmed during the waiting period, the premium paid will be refunded. At the same time, it provides 50 kinds of special illness protection, with 20% of the basic sum insured of 60,000 yuan each time, and a maximum of 3 payments.

The biggest highlight of Jinyou Life's life is that the policy dividends are automatically converted into the sum insured, increasing the amount of protection.

Tips: If you need Pacific Insurance services, you can call 95500 National Customer Service** to provide insurance consultation and purchase, accident reporting and emergency rescue, as well as claims services, etc.

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

Xueba talks about insurance, focusing on insurance product evaluation! Many people ask about critical illness insurance, and here's a super comprehensive comparison table:"Comparison Table between Jinyou Life and National Popular Critical Illness Insurance".

Pacific Life has been upgraded to 100 critical illnesses, let's take a look at its specific coverage.

Jinyou Life has attracted a lot of attention because it is "protection + financial management", and the protection content map is presented:

This analysis tells us that it is not a random complaint, it still has a lot of shortcomings, such as these shortcomings have to be mentioned:

1. The proportion of compensation for mild illness is low

Although the product covers 50 mild illnesses and pays 3 times, only 20% of the claims are paid for mild illnesses. It is far from the ordinary level on the market.

2. Lack of protection for moderate illness

At present, there are many similar products that provide moderate illness protection, and compared with critical illness, moderate illness and mild illness are often the precursors of critical illness, and moderate illness protection can well alleviate the early cost of critical illness.

3. The dividend protection is slightly poor

There are two types of dividends in Jinyou Life: annual dividends and terminal dividends.

Annual Dividend: As the name suggests, it refers to the dividend that can be received every year. The insured will not receive the dividends directly, but will accumulate them in the policy, which will increase the critical illness sum assured.

Terminal bonus: paid upon termination of the contract, divided into care payment and special bonus. However, these bonuses can only cover one of them at most.

4. Premiums are expensive

From **, you can know that a 30-year-old man who buys 500,000 insurance will pay it for 20 years, and the protection will be lifelong, and he will pay a high premium a year, close to 20,000! It can be said that it is very expensive.

Summary: From the perspective of the overall protection, Jinyou Life is not only not comprehensive enough, but also relatively expensive, not cost-effective, there are many good choices, there is no need to buy Jinyou Life, it is recommended to read the list before choosing:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".