The difference between 34 years of age and 10 years

The difference is that the longer you pay, the less you pay each year, and the longer the health insurance is better from the perspective of protection, and New China Life's products also have a premium waiver function.

Relatively speaking, the overall premium of 20 payment is lower than that of 30 years of payment, and the overall premium of 10 years of payment is lower than that of 20 years, but 20 years of payment can relieve the pressure of experience and also have a high protection.

Hello, welcome to learn about the health and worry-free products of New China Life Insurance Company, the full payment is low, the general economic ability is OK for ten years of payment than the total premium of 20 years of payment in the same situation, less is more, the economic ability is generally recommended to pay in 20 years, the situation is OK can be paid in 10 years, welcome your information.

Overall, the total amount paid for 10 years is less than that for 20 years. Make a reasonable choice based on your own financial situation.

Health insurance is a protection type that has a long payment time and low premiums.

10 years is less than 20 years, and it is recommended to pay 10 years.

You are talking about the latest product of our Xinhua Insurance, I hope I can help you!

The same guarantee will be higher for 20 years.

Hello, very glad that you will choose our life for your health and worry-free.

I hope to learn more about Jin You's life.

Hello, the payment period is short and the premium is high.

Hello! It's a pleasure to serve you!

There is no risk, after 10 years of payment, the premium does not need to be paid, and it can be protected for life, when the risk occurs, when the claim is claimed, the claim will end after the claim is completed (additional claims can be made for mild illnesses, and the policy will not end, and others will continue to be valid).

It will be cheaper to pay the total amount in a short period of time.

Healthy and worry-free C, a 43-year-old male has an insurance amount of 100,000 yuan for 20 years, and pays 4,860 yuan per year.

No matter which company's insurance is insured, the premium for 10 years is more expensive than the annual premium for 20 years, but the total premium is lower!

The same premium, that is, the money paid every year, choose the sum insured for 10 years, which is lower than that for 20 years

I suggest that you choose 20 years, you first determine how much money you pay each year, so that the amount of insurance is higher than 10 years, the insurance should focus on protection, health and worry-free should be critical illness insurance, you can buy this kind of insurance!

You can find out first.

New China Life Insurance is also a large company, and the insurance launched should be quite good, is this really the case? The following is a brief introduction to New China Life's health and worry-free insurance.

Speaking of health and worry-free, the details of this critical illness insurance are as follows:

From these contents, we can see that Health Care has a relatively big advantage, that is, the insurance period is flexible, we can freely choose to protect for 20 years, 30 years, or up to the age of 70 or 80.

In addition, there is basically no great content to be seen, but instead a lot of shortcomings are found:

1.Incomplete coverage, no moderate illness benefit, exclusion and no additional Insured Waiver.

2.The payout is not much, only one chance to pay for mild illness, and the payout ratio is 20%, which is very low. In addition, it should be noted that this product is very special, that is, if you pay for critical illness insurance first, other insurances such as main insurance and additional insurance will not be covered.

3.The premium is higher, here is a 30-year-old man as an example, if you are insured to the age of 70, buy 500,000 insured, and the payment period is 20 years, then you have to pay 13,000 yuan every year.

4.The guarantee leverage is not high, and the maximum payment can only be 20 years.

Based on the above content, the cost performance of health and worry-free is indeed a bit low, and in the protection of this area, the design of health and worry-free is relatively backward. For ordinary families, it is generally recommended to purchase consumption-based critical illness insurance. Presumably, everyone wants to buy better insurance for less money, and this article can answer this question"Top 10 Cheap and Good Price Critical Illness Insurance!

Friends in need can collect it first!

New China Life Health Worry-Free C is a lifelong critical illness insurance that covers life (including death).Only in the case of insurance and death can you get money (for the claim, not the principal), as for how much you can get, it depends on how much insurance you have bought, and then calculate it according to the situation.

So what about this product? Check out this in-depth review:It is said on the Internet that Xinhua [health and worry-free] is not good, is it true?

Next, let's analyze this product in detail, first on the evaluation chart:

Enrollment Rules

The insurable age for women is more lenient than for men, which is more friendly to female friends. The maximum payment period is 30 years, but the waiting period is 180 days, which is relatively too long, and 90 days is better.

Coverage

There is only severe and mild illness protection, no moderate illness benefit, and the compensation ratio for mild illness is only 20% of the basic sum assured, which is low compared with similar products in the market; However, there are additional benefits for specific malignant tumors and specific critical illnesses, and an additional 20% of the basic sum assured can be paid for critical illness or death in the first 10 years; There is also a Minor Illness Waiver.

Premiums

Men buy 500,000 insurance for life, pay for 30 years, and need to pay about 13,000 per year, which is expensive. If the budget is about 13,000, you can buy a critical illness insurance product with more complete protection.

In general, the protection of this product is not comprehensive, and the cost performance is not high, so it is more suitable for friends with sufficient budgets and preference for the New China Life brand.

In addition, the senior sister compared the 136 popular critical illness insurance in the country, many of which are better than the health and worry-free C3 in terms of ** and protection, and it is recommended that you can shop around before buying:A comparison table of 136 popular critical illness insurances in China.

If the insured has not been insured during his lifetime, he will be paid according to the insured amount after death, that is, he can get back 200,000 yuan no matter what.

New China Insurance's health and worry-free advantages.

1. Low premium, high protection, everyone can afford it. 10,000 yuan has millions of guarantees, which is really the insurance of the people.

2. Comprehensive protection, including accidents, disabilities, mild illnesses, and critical illnesses. 15 types of mild diseases plus 60 types of major diseases, leading the industry.

3. The insurance period is flexible, and people of different ages can choose different insurance periods, which are truly tailor-made.

4. The amount of exemption from physical examination is high, and the insurance amount of 400,000 yuan under the age of 51 is exempt from physical examination (first-class institution), and it is quickly underwritten.

This insurance is a lifelong guarantee, after 180 days after the effective date of the insurance contract, the critical illness or accidental death and total disability within the scope of the contract is paid according to the contract sum insured, if you buy 200,000, you will be paid 200,000. There is also a minor illness benefit of 20% of the sum insured, which is 40,000, and the follow-up premium is waived for critical illness insurance during the payment period. After 20 years of payment, the insurance will continue to take effect until the death of the insured, if the insured has not been insured during his lifetime, he will be paid according to the insured amount after death, that is, he can get back 200,000 yuan no matter what, so there is no need to worry about the principal after the payment is full.

No. This is a consumer-based critical illness insurance with a 20-year premium and lifelong protection. The insurance benefit is returned on the basis of death.

The main liability is critical illness and death. 3 times for mild illness and 1 time for critical illness.

Unless there is a critical illness, accidental death, total disability, or no of the above, the final death can be recovered by your legal beneficiary.

After 20 years, you won't get the capital, you can take a part of it.

After 20 years, how much money can I get back in a year?

I also gave this insurance to my son, pay for 20 years, after 34 years, you can take the book, it can also be called surrender, the longer the insurance time, the more money you get back. This is a good insurance that can not only protect your health but also return on your capital.

At present, insurance companies provide a variety of payment terms such as single payment, 5 years, 10 years, 20 years, 30 years, and how old to pay for customers to choose. The main factors to consider when choosing a payment term include:

1.Economic conditions. Insurance accounts for 10% to 20% of the family's asset allocation, so the payment should not affect the family's living standard, and the extension of the payment period can alleviate the economic pressure.

2.Physical condition, age, psychological factors of risk concern. Nowadays, customers who are very protective are very aware of the fact that customers who have purchased critical illness insurance believe that the incidence of critical illness is very high, so they choose to apply for a longer period of time, in case of critical illness, they may be paid a claim with a small premium, and an exemption clause is attached.

3.Revenue curve. The level of income growth of the family must be taken into account, and the decline in earning capacity after a certain age is an inevitable trend. Paying premiums at retirement may affect the standard of living at that time.

4.Inflation. What is currently a "huge" amount of insurance for us may be just "pocket money" in a few years.

5.Occupational characteristics and the main ** of insurance premiums. What income does the cost come from, if it is a fixed salary income of a salaryman to pay insurance premiums, you can choose to pay monthly, annually, 10 20 years; Some businessmen or investors like to pay in a single payment, pay for 5 years, and buy insurance first when their income capacity is very strong, in case the family needs it from time to time when the income is unstable.

To sum up, there is no way to pay the insurance premium, there is a reason, as long as you have the ability to pay, how to pay is "cost-effective".

Hello, the same payment amount, 20 years is more expensive than 30 years of premium, and this insurance is exempted, if there is a risk during the protection period, the remaining premiums are all waived, the longer the payment time is the best for the customer, so it is recommended that you pay for 30 years.

A long time to pay can reduce financial pressure, in fact, 20 years and 30 years of premiums are the same, you are 34 this year I suggest you choose to pay ten years, too long is not conducive to your future financial control.

The longer the payment period of this type of pure protection insurance, the better it is for the customer.

In addition to the relatively low annual payment pressure, if a critical illness or mild critical illness claim occurs during the payment period, the subsequent payment is not required, and paying for 30 years is definitely advantageous over 20 years.

There are also additional medical and accident insurances, which can only be paid together with the main insurance, and cannot be paid separately. 20 years of payment will be followed by 20 years, and 30 years of payment will be followed by 30 years.

These are the most basic knowledge points, don't you understand these insurance people? Didn't explain it to you?

It is recommended to pay the fee for a longer time, so that the pressure of payment is less. The protection is not complete.

Is your problem solved. I'm your problem too. I don't understand either, please let me know if you understand.

My company's health and worry-free A can be paid for 15 years at the age of 48, 41 types of mild diseases, 81 types of severe diseases, and those with mild symptoms can be exempted from premiums and can be compensated for a total of five times.

Zhonghong Insurance can pay for 20 years, as long as the end of the payment period is not more than 70 years old, we can also pay for 30 years for younger people.

Hello! If you want to pay for 20 years, you can consider Taikang Life's health 100%, 70 kinds of critical illnesses, 30 kinds of mild diseases, and over 18 years old with their own exemption function!

Hello! At the age of 48, the most respectful middle-aged can only choose to pay for 10 years. You can choose other products of Xinhua Insurance Company, such as Furu Donghai Plus 09 Critical Illness Plus Hospitalization Medical Plus Smooth Travel No Preferential Accident Protection, so that the value of the protection hospitalization expenses will be fully covered, and Ping'an can also leave a fortune for his children!

You can consider Chinese Life's National Life Xiangrui Whole Life Insurance, which covers 80 kinds of critical illnesses and 20 kinds of minor diseases.

No, it's only 5 years, 10 years, or you don't choose other products, it's as good as the East China Sea

Hello, I am the after-sales service staff of Xinhua Insurance, this product is like you are 48 years old, you can only choose 5 years, 10 years to pay the fee

Huaxia Insurance Evergain can pay for 20 years!

Hello, women have 20 years to pay, men don't have 20 years to pay, they can only choose to pay for 10 years.

You can compare it with Pacific Jinyou Life to see which one is more suitable for you, and you can chat privately.

Health and worry-free can be handed over for 20 years, do you want a plan?

At the age of 48, you can only choose to pay for 10 years.

Women pay 20 years, men have 10 years.

Ping An's universal insurance is more suitable for you.

At your age, you can consider other products that are more suitable for you.

Hello! Women can pay for 20 years, and men can only pay for 10 years.

Huaxia's Instant Win can be taken a look.