How much is critical illness insurance per year, and how much is the annual premium of critical illn

There is uncertainty about how much critical illness insurance costs for a year, and the premium depends on the age and sum insured of the insured.

The duration of coverage is related to the protection liability chosen.

Although the premiums are different in different situations, Daddy has been using the more popular critical illness insurance recently.

For example, let's briefly analyze critical illness insurance.

How much money is needed per year.

1.Good value for money.

The cheapest premium is Super Mario (national version), 30-year-old women only need to pay 2,345 yuan per year, and they can enjoy 500,000 insurance for 30 consecutive years, and they can be insured until the age of 70.

The more expensive premium is Kanghuibao, 30-year-old men need to pay 6,175 yuan per year, you can get 500,000 sum insured, lifelong protection, because this product has additional compensation for critical illness before the age of 60, so it is normal to be a little higher.

2.Emphasis on comprehensive protection.

Taking a 30-year-old man, 400,000 yuan insured, 20-year payment, lifelong insurance, and death, the premium is 9,736 yuan, and the premium for a 30-year-old woman is 8,780 yuan.

The cheaper premium is the Super Mario 3

The same condition is 8,920 yuan for a 30-year-old man, and 8,084 yuan for a 30-year-old woman.

The premium of critical illness insurance is relative to the accident insurance of tens or hundreds of dollars.

It's still a bit expensive, but from the perspective of critical illness protection provided by critical illness insurance, it's worth the premium.

Critical illness insurance, also known as critical illness insurance, is a sum of money to "recuperate" in the unfortunate event of a critical illness.

For most major diseases, the average cost is about 20 to 300,000 yuan, but it will take 3 to 5 years after that, and the recuperation, nursing and supplements used will probably cost about 10 to 200,000 yuan. During this period when there is no income from work due to a critical illness, the family's living expenses, children's education expenses, etc., all need to be compensated by the benefits of critical illness insurance. In order to prevent the living standard of the whole family from dropping significantly due to a family member's critical illness, the sum insured of critical illness insurance must be sufficient.

Critical illness insurance sum insured = **expense + **expense + loss of income.

If you don't know so much about insurance, it is recommended that you contact a professional insurance broker to plan an insurance plan for you, and we will choose the insurance products available on the market for you from the perspective of an independent and impartial third party.

Intelligently calculate the protection plan that suits you

There is practically no set answer to the question of how much to pay for critical illness insurance in a year. For different people and different insurance products, the annual premium is different, this article will start from the factors that affect the premium of critical illness insurance, and explain to you how much to pay for critical illness insurance in a year.

1. The amount insured.

As the name suggests, critical illness insurance is an insurance that protects critical illness, and the insurance company pays a lump sum insurance payment after the insured is diagnosed with a predetermined critical illness, and most of this insurance money is used for critical illness, so the sum insured of critical illness insurance is an important factor affecting the premium. It is inevitable that the higher the sum insured, the higher the corresponding premium.

2. The age of the insured.

The age of the insured is closely related to the ** of critical illness insurance. Within the allowable age of coverage for critical illness insurance, the older the insured person, the higher the premium. Why is that?

It is easy to understand that the older the person, the more likely it is to have problems, the greater the probability of making a claim, and the higher the risk taken by the insurance company, which will naturally increase the premium of such people. The premium of critical illness insurance is positively correlated with the age of the insured, but it is impossible to accurately find the quantitative relationship between the two.

3. Payment period.

Critical illness insurance is also related to the payment period, the same product two people insured, they choose different payment periods, one chooses to pay in a single payment, the other chooses to pay in ten years, if the total premium is 100,000, then the former annual premium is 100,000, and the latter annual premium is 10,000.

4. Duration of protection.

The term of protection is also a factor that affects the premium of critical illness insurance, which is divided into one-year, fixed-term, and lifetime insurance, and as the number of years of protection increases, the total premium continues to increase, and the annual premium paid also changes.

5. Guarantee content.

The basic critical illness insurance will cover some high-incidence critical illnesses, and on top of this, the premium will be increased by adding protection content, such as mild illness, moderate illness and the number of critical illnesses.

In addition, whether the critical illness insurance product is accompanied by other benefits, premium waiver function and whether it is refunded will affect the level of premium.

To sum up, it can be seen that the amount of critical illness insurance is closely related to the insurance age, payment period, protection period, insurance content, insurance amount, etc. It is recommended that you choose products based on your actual needs and your own budget when matching protection, so as to find a guarantee that suits you, and I hope this will be helpful to you.

There are still many critical illness insurances, divided into grades, and some are basically more than 10,000 yuan.

After suffering from a major illness, people generally have to solve two problems, one is the interruption of income, and the other is spending money on treatment. Critical illness insurance, which is paid upon diagnosis, mainly solves the problem of income interruption, and can also provide compensation for the cost of medical treatment**, so the sum insured is generally 3-5 times the annual income. Medical insurance mainly solves the second problem, so it is necessary to purchase large-scale medical reimbursement products.

In fact, the medical insurance in social security mainly solves the second problem, so don't say that I have social security, and I don't need to buy critical illness insurance. These are two different things.

Therefore, there is no way to solve the problem of income interruption, this is the ** of family money, only critical illness insurance is the best solution, there is no one. Must buy, no choice.

And how much insurance is appropriate?This must be combined with one key factor: your current annual income.

It is usually recommended to purchase 3-5 times the sum insured of your annual income.

Then some people say, my annual income is 50,000 yuan, so the insurance amount is 150,000 yuanYou're too little, aren't you!

I still have to say that the essence of critical illness insurance is income compensation, you must always think about the essence, and use critical illness insurance to solve all problems, otherwise you will pay a lot of premiums!In the past, there was no large-amount medical insurance, but now the products are becoming more and more abundant, and new products are constantly updated, we must also keep pace with the times, change the traditional protection thinking, and use special insurance to solve special problems, so that your insurance configuration can be more perfect, and the premium is more economical.

Not finished yet, in addition to 3-5 times the annual income, there are 2 suggestions: one is not less than 300,000, and the other is not more than 1 million. The sum insured should neither be too low nor too high, otherwise it will be a failure to grasp the degree.

How much does it cost to buy critical illness insurance for a year.

1. To buy serious illness medical insurance, you must first understand the cost of suffering from the disease now. At present, the cost of serious illness is as little as 50,000 or 60,000 yuan, and as much as 100,000 yuan, and all the purchases of critical illness insurance are best between 150,000 yuan and 200,000 yuan, so as to ensure the medical protection after the disease. Of course, consumers can also appropriately adjust the insurance amount for critical illnesses according to the physical examination of families and individuals, so that they don't have to care about how much they pay for critical illness medical insurance a year.

If the family is in good health after a few years, you can appropriately reduce a certain amount of premiums.

2. At present, there are generally two types of critical illness insurance, one is the main insurance and the other is the additional insurance. According to a staff member of an insurance company, the cost of these two types of insurance purchase and the meaning of protection are similar.

3. Buy medical insurance, or buy long-term. Although many one-year insurance** are relatively cheap, the content of the protection is very monotonous, and it is impossible to have a major illness in the first year of insurance. Therefore, long-term critical illness insurance is the follow-up.

The premiums are all levied at the first year's rate, and the premiums are about the same every year. The younger this type of insurance is, the lower the premium. In the event of a critical illness, the insurance company will make a claim, even if you are old.

As long as the relevant insurance is purchased, if the policyholder is still healthy during the insurance period, the insurance company will return the principal collected before. Therefore, it no longer matters how much money you pay for critical illness medical insurance a year.

How much is the minimum payment for critical illness insurance for 1 year?

Critical illness insurance can be insured with a minimum of 1,000 yuan per year, and the amount of critical illness insurance can be 100,000 yuan.

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) and additional payment (death and other liabilities will not be affected);

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

4. Waiving: Waiver of late premium for minor 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).

The premiums of critical illness insurance are not the same, and the premiums are different for different ages, different products, and different sum insured.

Take good medical insurance critical illness protection as an example.

If you purchase the version of 100 critical illnesses and 50 minor illnesses, the policyholder is 26 years old. Then the 300,000 yuan insurance amount needs 273 yuan per year, and if the policyholder is 49 years old, the same 300,000 yuan insurance amount needs 2,670 yuan per year.

In other words, the older you are, the higher the cost of critical illness insurance.

Second, take medical insurance critical illness insurance as an example. Assuming that the policyholder buys 100,000 yuan of insurance for the age of 26, the cost of the positive wire is 55 yuan, and the cost of 300,000 yuan is 165 yuan. The fee of 500,000 yuan is 275 yuan.

That is, the same policyholder purchases critical illness insurance, the higher the sum insured, the higher the cost.

Comparing the above two kinds of terms, it can be found that the same 26-year-old, 300,000 yuan of the insurance amount, the difference of 108 yuan in the year, indicating that there are also differences in different products.

And if it's a whole life critical illness insurance, it's more expensive than ordinary critical illness insurance. For example, good medical insurance, lifelong critical illness insurance, similarly, 26-year-old policyholders, choose 300,000 sum insured, pay for 20 years, and need to pay every year. 5130 yuan.

Therefore, if you want to know how much money you need to apply for critical illness insurance, you must determine the sum insured and the product. It is then measured according to the age of the individual.

If you are a single guy with an annual income of 100,000 yuan, the personal premium expenditure is between 5% and 15%. Then the personal premium is 5,000 yuan to 15,000 yuan. If it suits you first, if you have the most practical medical insurance package, you can match it to the limit according to your ability.

How much Critical Illness Sum Insured is required? I often hear that some people say that buying critical illness insurance is buying the sum insured, which is true, after all, the critical illness insurance amount of 100,000 yuan. It is a drop in the bucket in the face of serious illness, but it is unscientific to blindly pursue the sum insured without excessive pressure on the annual premium, which directly affects the quality of life.

How much it costs to buy critical illness insurance for a year needs to be determined according to the actual insurance details of the policyholder, and there is no accurate value. Generally speaking, the higher the sum insured, the more expensive the premium. In addition to the sum insured, the premium of critical illness insurance is also affected by many factors, including the age of the insured, gender, protection liability, coverage period, etc.

Critical illness insurance premiums are usually paid annually, and the longer the payment period, the cheaper the annual premium. Although the total premium will increase the longer the payment period, the amortized premium will still be much lower due to the extension of the payment period. For most ordinary consumers, it is recommended to extend the payment period, so that the economic pressure they bear will be much smaller, and the leverage ratio is also increased, which truly achieves the small and large.

If you are afraid of being cheated and expensive when you buy insurance, it is recommended that you take a look at this first: avoid pits! 90% of the problems that people will encounter when buying insurance are related to them

The premium of critical illness insurance is not fixed for everyone, because it is affected by many factors: for example: 1. Age; 2. Gender; 3. The selected insurance amount.

1. When buying critical illness insurance, in addition to considering the premium, you also need to consider the following points:

1.Whether the coverage is comprehensive.

The mainstream critical illness insurance on the market generally includes critical illness, moderate and mild illness protection, in addition to the second claim for cancer, children's special illness, etc., it is even better.

2.Is there an additional payout.

The biggest difference between critical illness insurance and general medical insurance is that it is a payout type, that is, as long as the insured is diagnosed with a critical illness and meets the conditions, he can get a lump sum of money at one time, and the use of this fund is not limited.

Some products on the market pay the basic sum insured, and some products have an additional compensation agreement, which can pay an additional 80%, that is to say, 500,000 sum insured, and finally 900,000 yuan, as long as this fund is used reasonably, the life of the insured will not be greatly affected even if he is sick.

2. The premium of critical illness insurance is not fixed for everyone, because it is affected by many factors, such as:

Age-dependent: Its premiums increase with age, and the younger you are, the lower your premiums are.

Gender-dependent: Generally speaking, men are more stressed as the breadwinners of the family and may be at higher risk of critical illness than women, so men are more likely to have higher premiums for critical illness insurance than women.

Affected by the amount of insurance chosen: The sum insured of critical illness insurance is generally 100,000, 200,000, 300,000 and 500,000, and the policyholder can choose flexibly, the higher the sum insured, the higher the premium.

Affected by the duration of coverage: Critical illness insurance can be insured for 10 years, 20 years, or until the age of 60, 70 or even for life, the longer the coverage, the more expensive**.

Affected by the payment period: its payment methods include single payment and annual payment, annual payment generally has 5 years of payment, 10 years of payment, 20 years of payment and 30 years of payment, and the premium will be different depending on the payment method chosen.

3. When is the most cost-effective time to buy critical illness insurance?

Based on the above analysis of the factors affecting premiums, we understand that the premium of critical illness insurance is directly proportional to age, that is, the older you are, the higher the premium, and the more money you have to pay.

And the younger the age, the less physical health status, the easier it is to pass the health notification, and the greater the chance of the standard being covered.

Therefore, the sooner you buy critical illness insurance, the more cost-effective it is, taking a 0-year-old baby as an example, buy 500,000 insurance amounts, protect for 30 years, and you can buy it for a few hundred yuan a year, which is very cost-effective.