Is there a pit in Darwin 3? How does the Little Umbrella Super Mario 3 Max compare?

The question of whether the new Darwin No. 3 product of Xintai Life Insurance is worth buying, many people really ask me in private chats! As the popular series of "Darwin"Can the third generation, Darwin 3, be re-imposed?

Next, I'll give you a good chat. In addition to this, I have compiled the current hot critical illness insurance products, and you can consider them according to your own needs:"136 Popular Domestic Critical Illness Insurance PK".

Darwin No. 3 is a critical illness insurance of Cindat Life, and I believe that everyone has learned that the past two years have been advancing by leaps and bounds, and the competition for critical illness insurance, annuity insurance, and whole life insurance is very fierce, and it can be said that it is a rising star in the insurance industry.

Without further ado, let's look at the specific content of the guarantee first:

Darwin No. 3 is also called: Xintai Ruyi Anhe (Collector's Edition) Critical Illness InsuranceIt 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

In addition, if you get a critical illness for the first time before the age of 60, you can pay 180% of the sum insured, and you can also choose to add additional benefits for malignant tumors and specific cardiovascular and cerebrovascular diseases, and you can also choose to add additional benefits for death benefits.

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

1.Ultra-high sum insured:The compensation ratio of the second claim for cancer and the second claim for cardiovascular and cerebrovascular claims is very high, and if you have a critical illness before the age of 60, the critical illness benefit has 180% of the basic sum assured, which is simply terrible!

Although according to its development trend, I have a hunch that there will always be a day when the loss will be doubled, but I never thought that this day would come so soon!

2.Minor Illness Coverage Upgrade:Mild cases have more responsibility for very early malignant tumors, which is a mandatory item; Mild illness insurance also adds mild cardiovascular liability, which is a mandatory item, which is quite useful.

However, there are some fly in the ointment, although there are additional claims for high incidence and moderate disease, but only Centennial Life's Kanghui Insurance can be protected, and critical illnesses are developed step by step from pre-existing conditions, and early claims can be made as soon as possible, so as not to deteriorate into critical illness! That's why some people say that the pre-symptomatic setting is hello, hello, hello, everyone! The insured can be injured early, and the insurance company can avoid paying for critical illness.

For those who are interested in learning more about pre-existing conditions and Kanghuibao, you can check out my other article:What is the precursor? Is Kanghuibao reliable? 》

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 the highest compensation ratio at present.

However, a product cannot be without shortcomings, and there is no such thing as a perfect insurance product! The same goes for this product! Although this product has many advantages, it has one biggest drawback:

What are the shortcomings of Darwin No. 3, which is favored by everyone? 》

The product is so complex, and there are new problems in the choice of consumers, so we should not blindly follow the trend when buying, but should be in line with our actual situation and think about what the protection we need. Hope!

Darwin No. 3 went to understand, although it is said that it is a second compensation for mild to moderate disease, but in fact, it cannot be compensated for the same position, and I was almost pitted by word games without reading the terms clearly! As consumers, we must keep our eyes open when choosing insurance products, otherwise we will be pit ourselves! From the point of view of probability, the compensation ratio of Little Umbrella Super Mario Critical Illness Insurance No. 3 Max is higher, and for the number of additional claims in Darwin, Little Umbrella Super Mario Critical Illness Insurance No. 3 Max will be more practical, and the actual premium will be lower.

Overall, it's still quite high, not to say how cheap it is, it's not the lowest one on the market, but it is indeed the critical illness insurance with the highest amount of insurance on the market, the highest proportion of additional compensation, and the additional compensation ratio of critical illness is 80%, with the same premium, you can buy the equivalent of more than double the amount of insurance, which is super cost-effective, and the protection responsibility is also good, combined with the protection responsibility, it is indeed a conscience product.

Darwin No. 3 is a critical illness insurance policy launched by Cindat Life in June 2020.

It is one of the hottest ones in the market at present, and many insurance liabilities are also at the forefront of the market.

So how does it behave? Zhu Baojun will analyze it for everyone!

1. Secondary compensation for moderate stroke

If a person is diagnosed with a moderate stroke, and after an interval of 1 year, a new moderate stroke occurs, and another 60% of the sum insured can be paid.

The incidence of cerebral stroke in our country is quite high, and the incidence rate is also high, with a cumulative rate of more than 30% in 5 years.

But when I looked at the compensation conditions, it was embarrassing.

First of all, many products generally require "muscle strength level 3" and "six basic activities of daily living to complete 2", and you can choose one of the two.

The Xintai family, including Darwin No. 3, only asks about "muscle strength level 3", and the choice is less, and the probability of claim is smaller.

In addition, this liability only protects the new issue, not the **, and the probability of ** is higher than that of the new one.

Therefore, from the perspective of claims, sincerity is slightly insufficient.

But it's better than nothing, and on the whole, the probability of claims is greater.

2. Second compensation for mild carcinoma in situ

Like Super Mario 2 MAX, secondary carcinoma in situ requires not being in the same organ to pay 45%.

Although there are some thresholds, there are no interval requirements, and it is better to be content than those who are completely insecure.

3. Second compensation for mild cardiovascular diseases

If you are diagnosed with 3 cardiovascular diseases, including atypical myocardial infarction, minimally invasive coronary artery bypass grafting and minimally invasive coronary intervention, and after an interval of 1 year, if one or more of them are diagnosed again, 45% of the sum insured will be paid.

Two claims, before and after the same or different kinds, the claim conditions are relaxed.

In general, Zhu Baojun believes that these three self-contained secondary compensation responsibilities are still quite good.

It almost covers the protection of the early form of high-incidence critical illness, which not only improves the probability of claims, but also encourages patients to detect it early and avoid the development of irreversible critical illness.

To buy critical illness insurance, the first choice for both men and women is Darwin No. 3. Although Darwin 3 also has shortcomings, there is really nothing to say about the guarantee!

Suggested buying: Men or people with a family history of cardiovascular heredity: [heavy, medium and light + cardiovascular and cerebrovascular 2 claims] (without death).

Women's group: [emphasis on basic responsibility] (without death).

People in areas with a high incidence of cancer: [severe, medium and light + 2 claims for cancer] (without death).

Little Umbrella Super Mario Critical Illness Insurance No. 3 MAX and Darwin No. 3 are both from the same company [Cindat Life], and they are both upgraded products on the basis of Super Mario Critical Illness Insurance No. 2, and the sparks between them are still very exciting. Without further ado, let's start with the comparison chart of Super Mario 3 and Darwin 3 protection liability pk:

Super Mario Critical Illness Insurance No. 3 and Darwin No. 3 are born from the same mother, with exactly the same insurance age, maximum sum insured, and waiting period, and the protection responsibilities for critical illness, secondary cancer prevention and secondary cardiovascular are exactly the same, and there is no difference in the type of protection and the definition of claims.

Super Mario Critical Illness Insurance No. 3 Max and Darwin No. 3 both pay 180% of the sum insured for critical illnesses diagnosed before the age of 60, and additional compensation liability for malignant tumors can be attached, and the second compensation for specific cardiovascular and cerebrovascular critical illnesses can also be up to 150%.

Both critical illness insurance products have achieved the highest compensation ratio for critical illness, malignant tumors and cardiovascular and cerebrovascular diseases.

Looking at the whole article, there are two differences between Super Mario 3 MAX and Darwin 3 in terms of protection responsibilities:

1. Super Mario No. 3 pays 55% of the sum insured for mild illness and 75% of the sum insured for moderate illness for the first time before the age of 60, which is currently the highest in the whole network.

2. Darwin No. 3 has specific cardiovascular and cerebrovascular mild diseases and moderate stroke sequelae, and an additional compensation will be paid.

In general, in terms of protection responsibilities, Super Mario 3 and Darwin 3 can be regarded as having their own advantages.

However, the [highest sum insured] that Darwin No. 3 advertised before in terms of protection responsibilities can no longer be promoted as a super advantage point for Dugu to seek defeat. Super Mario Critical Illness Insurance 3 and Darwin 3 both have a 180% Critical Illness Sum Assured, with a higher initial claim coverage for moderate and mild illnesses.

Let's take a look at the premium comparison chart of Super Mary Critical Illness Insurance No. 3 and Darwin No. 3:

Under the mandatory condition, buy 500,000 insurance amount to protect until the age of 70:

Darwin 3 costs $4,060 a year for a 30-year-old man and $3,720 a year for a 30-year-old woman;

Buying a small umbrella Super Mario 3 Max costs only 3920 yuan a year for a 30-year-old man and 3610 yuan a year for a 30-year-old woman.

Under the mandatory condition, buy 500,000 insurance amount, and guarantee it for life:

Darwin 3 costs $6,115 a year for a 30-year-old man and $5,710 a year for a 30-year-old woman;

Buying a small umbrella Super Mario 3 Max costs only 5,855 yuan a year for a 30-year-old man and 5,495 yuan a year for a 30-year-old woman.

Men of Super Mario Critical Illness Insurance No. 3 are about 4% cheaper than Darwin No. 3; Females are cheap or so.

Summary: In terms of protection liability, Super Mario 3 MAX has a higher initial claim and Darwin 3 can pay 1 more time for moderate and mild illness.

Super Mario 3 MAX is cheaper than Darwin 3.

Super Mario Critical Illness Insurance 3 has a higher sum assured and a cheaper premium.

Personally, I think that if you buy 500,000 insurance for life, you can pay 990,000 yuan before the age of 60, and if you don't have a lot of budget, then buy Super Mario No. 2 Max, the price ratio is higher. Super Mario 3 MAX has better liability and price ratio than Darwin 3.

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! 》