Is Little Umbrella Super Mario Max 3 Critical Illness Insurance better or Darwin 3?

In the past few days, many people have come to ask me about the new Darwin No. 3 of Cindat Life! As the third generation of "Darwin", can Darwin 3 reappear?

Today, I will give you an analysis and analysis. In addition to this, I have also sorted out more popular critical illness insurance for everyone, so you can consider it in combination with your own situation:"Super Full Comparison! Comparison Table of 136 Popular Critical Illness Insurances in China

Darwin No. 3 is a critical illness insurance underwritten by Cindat Life, which I believe everyone has more or less understood, and 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 behind in the industry ranking.

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

The full name of Darwin No. 3 is 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, an additional 80% will be paid for the first critical illness before the age of 60, and you can choose to add additional benefits for malignant tumors and specific cardiovascular and cerebrovascular diseases, as well as additional benefits for death benefits and other regular benefits.

Let's take a look at the pros of this product

1.Ultra-high sum insured:The compensation ratio of the second compensation for cancer and the second compensation for cardiovascular and cerebrovascular diseases is very high, and you can get 80% of the additional compensation if you have a critical illness before the age of 60, which is simply terrible!

Although looking at his development trend, he has a hunch that there will be a day when he will double the loss, but this speed is inevitably too fast!

2.Minor Illness Coverage Upgrade:Mild disease has more responsibility for a very early malignant tumor, which is mandatory; In addition, the mild illness benefit includes mild cardiovascular liability, which is a very useful item.

It's just that the fly in the ointment is that although there are additional claims for mild and moderate diseases with high incidence, only Centennial Life's Kanghuibao can protect the pre-existing conditions, and the pre-existing conditions protection is the only way for the development of critical illnesses. So, pre-condition coverage is a win-win! The policyholder is early, early, and away from cancer, and the insurance company can also breathe a sigh of relief.

For those who are interested in learning more about pre-existing conditions and Kanghuibao, you can take a look at my previous review article on Kanghuibao:What is the precursor? Is Kanghuibao reliable? 》

3.Cancer Benefit Optimization:The three-year interval for the second claim for cancer is standard, but the 150% compensation ratio is the highest compensation ratio at present.

A product cannot only have advantages, there is no perfect insurance product in the world! The same goes for this product! Although this product has comprehensive coverage and a high payout ratio, it has one biggest drawback:

"In-depth Analysis of Xintai's King Bomb Critical Illness Insurance - Darwin No. 3".

Insurance products are very complex, and you must be suitable for your own situation when buying products, and think about what protection you want to get. Hope!

Both of these products are underwritten by Cindat Life, and the protection responsibilities are also very similar, how should I choose when applying for insurance? This is really a problem that plagues a lot of users. Let's compare these two products, hoping to provide a reference for users who need critical illness protection.

Both products are underwritten by Cindat Life, and the issue age, coverage period, payment period, waiting period, as well as health notice and underwriting rules are the same.

In terms of protection liability, the two products cover the same number of diseases, the proportion of additional compensation for critical illness is the same (80%), and the optional liability and compensation ratio are the same. The only difference between the two products is that the additional payouts for moderate and mild diseases are different.

If you want the most comprehensive coverage for cardiovascular and cerebrovascular diseases, and the most compensation, choose Darwin No. 3. If you want the highest average coverage for each illness, choose Super Mario Max3. If you are concerned about the benefit of this disease, or if you have a similar history of illness in your family, it is recommended to choose Darwin 3 first.

If you want to buy a cost-effective critical illness insurance, you can take a look at this article "Critical Illness Insurance ** Table, Which Critical Illness Insurance is the Cheapest".

In general, these two products are the top products in the current single claim critical illness insurance, and the basic protection is very good, the difference is that the focus of protection for mild and moderate diseases is different, so there is no need to be too entangled in the selection, and the purchase of good products is "earned".

If you value more coverage for moderate and mild illnesses, choose Mary No. 3 Max, and there will be additional claims before the age of 60, which will pay more; If you value very early malignant tumors, atypical myocardial infarction, coronary artery bypass grafting, and secondary compensation for sequelae of moderate stroke, choose Darwin No. 3; If you pay attention to the second cancer and the second cardiovascular and cerebrovascular diseases, you can choose additional products according to your needs, and both products can flexibly choose additional and cost-effective.

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!

1. Critical illness protection.

The critical illness protection of the two products is the same, 110 diseases, an additional 80% of the sum insured before the age of 60. In other words, if you apply for an insured amount of 500,000 yuan and suffer from a critical illness for the first time before the age of 60, you can get 900,000 yuan of protection. This critical illness benefit amount is currently the highest in the market.

2. Moderate illness protection.

There are 25 types of diseases in both products, with 60% of the basic sum assured. However, Darwin No. 3 Critical Illness Insurance Moderate Stroke can pay an additional 1 time, with a ratio of 60% of the sum insured;

Super Mario 3 MAX pays more attention to the increase of the sum insured, 75% of the sum insured before the age of 60, 65% of the sum insured after the age of 60, and an additional 15% of the sum insured before the age of 60.

3. Mild illness protection.

Both products have 50 types of mild illnesses and 45% of the basic sum assured.

However, Darwin No. 3 Critical Illness Insurance focuses on secondary compensation, such as: very early malignant tumors or malignant lesions, the second compensation is 45%, with no interval; 45% for the second compensation for 3 types of cardiovascular high incidence and mild diseases, with an interval of 1 year;

Super Mario 3 MAX pays more attention to the increase of the coverage amount, 55% of the sum insured before the age of 60, 45% of the sum insured after the age of 60, and an additional 15% of the coverage amount before the age of 60.

If you want to buy insurance, you can consult Mint Insurance, which is built by a team of industry veterans to build a complete professional content system such as insurance concepts, insurance misunderstandings, product evaluation, program configuration, and practical strategies, so as to improve insurance awareness step by step.

Cindat Life's new Darwin No. 3 product has been asked me privately these days! As the popular series of "Darwin"Can Darwin 3 continue the glory of its predecessors?

Now I will give you an analysis. In addition to this, I have also sorted out more popular critical illness insurance for everyone, you can compare and see:"136 domestic popular critical illness insurance PK".

Darwin No. 3 is a critical illness insurance underwritten by Cindat Life, which I believe everyone should be familiar with, it has been a bit crazy in the past two years, the competition in the insurance market is very fierce, and its ranking in China is still very good.

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

The full name of Darwin No. 3 is 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 suffer from a critical illness before the age of 60, you can have a 180% benefit ratio, and at the same time, you can choose to add additional benefits for malignant tumors and specific cardiovascular and cerebrovascular diseases, and death liability and term liability are optional.

Let's analyze the advantages of this product

1.Ultra-high sum insured:High secondary cancer, secondary cardiovascular and cerebrovascular compensation, critical illness before the age of 60, critical illness benefit has 180% of the basic sum insured, which is simply terrible!

Although looking at his development trend, I already have a hunch that there will be a day when the loss will be doubled, but this is inevitably a little too fast!

2.Minor Illness Coverage Upgrade:Mild illness benefit adds liability for very early malignant tumors, which is mandatory; Mild disease also has an additional mild cardiovascular responsibility, which is also in the mandatory insurance content, which is quite useful.

However, there are some fly in the ointment, although there are additional claims for high incidence and moderate disease, but the pre-existing conditions can be protected, at present, only Centennial Life's Kanghui Insurance, pre-illness protection is the only way for the development of critical illness, and early claim can have more money to find a better ** to avoid deterioration into a critical illness! Therefore, the emergence of pre-symptomatic protection is good for consumers and good for the company! The policyholder can get the earliest ** to prevent deterioration into a critical illness, and the insurance company can also relax and do not have to claim so much money.

3.Cancer Benefit Optimization:The three-year interval for the second claim for cancer is standard, but the claim ratio is a record high, with 150% as much.

A product cannot only have advantages, and a perfect product cannot exist! The same goes for Darwin 3! Although this product has many advantages, it has one biggest drawback:

"Darwin 3 still has these untold secrets".

Insurance products are very complex, and it is recommended that you choose according to your own situation and think about which aspect you focus on before making a decision. Hope!

Hello this friend, Darwin No. 3 and Super Mario No. 3 MAX under Cindat Life Insurance, both of which have excellent cost performance.

For example, Darwin No. 3 provides secondary compensation for specific diseases such as stroke and early cancer. Super Mario 3 Max is given an additional sum insured regardless of whether it is a critical illness or a mild to moderate illness. The advantage of insurance until the age of 70 is that the annual premium** is almost 2,000 yuan cheaper than that for life.

Therefore, for people with limited budgets and needs, they can use lower premiums** with higher protection. Here's a dry article I hope will help you: "The correct posture for critical illness insurance, dad will teach you a few tricks!" 》

As mentioned at the beginning, the biggest difference between insurance until the age of 70 and insurance for life is the premium**.

As can be seen from the figure above, the premium difference between the insurance to the age of 70 and the insurance for life is nearly 2,000 yuan per year**. It can be seen from this that if you consider the cost performance, the premium leverage of insurance until the age of 70 is higher, and the low premium raises the high sum insured.

For those with a limited budget, choosing regular coverage is the most cost-effective. So if you have a large budget and want to pursue further protection, lifelong insurance is the most suitable.

In terms of guarantees, Super Mario 3 MAX and Darwin 3 are the most prominent. Super Mario 3 MAX has the highest sum insured, while Darwin 3 has more coverage for high-incidence diseases.

1) If you are looking for a high sum insured, you can choose Super Mario 3 Max, and there will be additional sum insured for critical and moderate illnesses and mild illnesses;

3) If you want to be covered by special diseases, Darwin 3 gives additional protection for specific diseases such as stroke, cancer, acute myocardial infarction, etc.;

On the whole, the Super Mario 3 is relatively cost-effective.

Super Mario 3 MAX can pay an additional 80% of the sum insured for a critical illness before the insured reaches the age of 60, just like Darwin 3. But the difference is that Super Mario 3 MAX Critical Illness Insurance has a higher coverage for moderate and mild illness.

All of them are from Cindat Life Insurance Company.

The critical illness is very deep! Don't step on these pits, "What are the pitfalls of critical illness insurance? What are the routines? This article teaches you how to avoid pitfalls! 》

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 sum insuredGuaranteed up to age 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 sum insuredGuaranteed 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.