New China Insurance 2014 cancer insurance is good

Hello! I don't know which cancer insurance you're talking about? Because I don't know which one you're talking about, I can't make a specific judgment for you!

1.Adopt the principle of mixing and matching cancer insurance and general critical illness insurance. Purchasing critical illness insurance with ordinary critical illness insurance is not only more economical, but also may provide more comprehensive and targeted protection.

2.When choosing cancer insurance, you should pay special attention to its protection, the more comprehensive the protection, the better, of course, the corresponding premium will be more expensive.

3.The principle of moderate insured. Generally speaking, it is relatively appropriate to control the sum insured at about 200,000 yuan.

This kind of disease insurance is not good or bad, it just depends on whether you are at risk, whether you need to buy this kind of insurance, for example, some workers need to be exposed to carcinogens for a long time at work, I think it is very necessary to buy this insurance, even if the premium is high, but some people have a regular life, not easy to get cancer, I don't think there is any need to buy this insurance.

Therefore, the purchase of insurance depends on the risk you bear or not, buy it if the risk is large, and don't buy it if the risk is small.

It's still good, it's only a few hundred yuan to buy one, and there will be a lot of compensation, which is very cost-effective compared to other insurance that costs thousands of yuan.

Xinhua is ** You go to Chinese Life Ping An Pacific Taiping to buy and don't go to Xinhua.

How much money can be refunded when surrendered, there are several situations:

1) Full surrender.

There are usually only a few cases in which the policy can be surrendered in full:

1.Surrender during the cooling-off period.

Usually there is a hesitation period after the purchase of insurance, and the surrender of the insurance within the hesitation period can be refunded in full, and the cost of production will be charged about 10 yuan.

2.It is signed.

Because some salesmen do not operate properly, the signature of the insurance contract is signed on behalf of the agent, and a full refund can be applied for in this case.

3.There is evidence.

If there is evidence of illegal operation or deception of consumers, the full amount can also be refunded when applying for surrender.

2) Return the cash value.

If the policy is surrendered outside the hesitation period, only the cash value can be refunded, and the cash value of savings life insurance can be obtained, such as term life insurance with a term of more than one year, long-term consumption critical illness insurance, savings critical illness insurance, endowment insurance, whole life insurance, endowment insurance, universal insurance and participating insurance, etc.; Accident insurance, one-year medical insurance, etc., generally have no cash value.

If you want to know the cash value of the policy, you can look at the contract or call the insurance company to ask, and its calculation method is generally like this:

(3) Return of cash value + dividends.

The cash value has been mentioned above, and here we will talk about dividends. Generally, it will be divided into two parts, one part is the fixed insurance money agreed to be given to the customer, and the other part is the insurance money that depends on the company's operation, which is called the bonus and is uncertain. Specific popular science is presented:

Demystifying the Mystery of Dividend Insurance

It can be known that if you do not surrender the policy within the hesitation period, you can only return less than the money paid for the premium, which means that there will be a loss, if you have made the decision to surrender the policy, I have compiled the details of the surrender here: "What details should I pay attention to when surrendering insurance?" >> Look!

Xinhua Insurance should not be able to surrender this, and if it is to be surrendered, it should not be able to be fully surrendered.

Xinhua Insurance's cancer insurance surrender, it depends on how many years you have, it would be good to be able to return 70%!

After the establishment of general commercial insurance, there is a hesitation period of about ten days, during which a full refund can be made, and only a part of the cash value can be refunded after the hesitation period, and a guarantee is lost, so be cautious.

Surrender is the cash value of the surrender policy, which is listed in the contract.

This depends on how much you have paid, how many years you have paid, and which type of insurance, if there is a contract, see if it is written in the contractCash value, that is the surrender money, you can directly call the insurance company's ** will be faster.

Insurance policies are further divided into long-term insurance and short-term insurance.

In long-term insurance, the policy generates a cash value, which is the surrender amount of the policy. Every policy has a cash value table, and surrender is the cash value.

Short-term insurance does not incur a cash value, and surrender is generally based on the month and cost of the policy. For example, if the policy is surrendered after 5 months, the premium is 1 2 plus a little fee.

Cancer insurance is a long-term insurance, and the surrender depends on the cash value table, and the specific amount is not a few dollars.

Summary. Analysis of product advantages and disadvantages: advantages:

1. Flexible choice For friends with a very small budget, there are basic models to choose from for this product, and the 50-year-old only needs 156 yuan a year, but the basic model is not guaranteed to purchase drugs, which everyone should pay attention to. 2. **AffordabilityTaking the anti-cancer insurance (special medicine version) at the age of 50 as an example, as long as it is more than 300 a year, it is still very cheap. And even if there is a special drug version of the insurance, the annual premium is only 372 yuan, an average of one yuan a day.

Super cheap. Insufficient: Deductible:

Similar products are basically 0 deductible, and anti-cancer has a deductible, for friends with local resident critical illness insurance, the deductible is the starting line of local resident critical illness insurance, if not, the deductible is fixed at 10,000 yuan. Lack of partial coverage: no green channel, hospitalization advance, proton heavy ion.

Analysis of the advantages and disadvantages of the product Nian Heng Sun: Advantages: 1. Flexible choice For friends with a very small budget, this product also has a basic model to choose from, and the 50-year-old only needs 156 yuan a year, but the basic model is not guaranteed to purchase drugs, which everyone should pay attention to.

2. **AffordabilityTaking the anti-cancer insurance (special medicine version) at the age of 50 as an example, as long as it is more than 300 a year, it is still very cheap. And even if there is a special drug version of the insurance, the annual premium is only 372 yuan, an average of one yuan a day. Super cheap.

Insufficient: There is a deductible: similar products of the chain are basically 0 deductible, and anti-cancer has a deductible, for friends with local resident serious illness insurance, the deductible is the starting line of local resident serious illness insurance, if not, the deductible is fixed at 10,000 yuan.

Lack of partial coverage: no green channel, hospitalization advance, proton heavy ion.

This is a medical insurance product that specializes in providing cancer protection, with a total of three protection plans to choose from, which is more flexible. The ** of this product is also relatively cheap, and the 50-year-old elderly can only buy the basic amount of 156 yuan a year, which will not cause payment pressure. This product is also a short-term medical insurance, which does not support guaranteed renewal, and the renewal needs to be reviewed by the insurance company, but the contract stipulates that the renewal will not be refused due to changes in the insured's health status or historical claims.

Summary. Hello, dear. We're happy to answer your <>

How to pay for Xinhua Kangjian Jishun cancer prevention insurance, pro-Xinhua Kangjian Jishun cancer prevention insurance method; 1: Compensation can be paid after diagnosis, reducing the pressure on short-term expenses of the familyAs long as the cancer is diagnosed as belonging to this contract, you can get 100% of the sum insured compensation for timely cancer. At present, there are more than 100 types of cancers found in medical institutions, and this insurance can fully cover them.

2: There is a high risk of gold after illness, and many patients have a relatively high chance of survival after surgery, and they also need to take medicine to maintain the stability of their condition in the later stage. The design of this insurance is more humane, after the diagnosis of 100% of the sum insured, the patient is still alive, according to the contract, the company pays 20% of the sum insured every year, up to 100% of the sum insured, that is to say, the cumulative maximum of five years, can solve many family expenses in the later stage, extend the patient's life.

3. The maximum triple benefit for specific cancers, special coverage for high-incidence cancers, these specific cancers are prostate cancer and lung cancer in men, breast cancer and cervical cancer in women, leukemia and bone cancer in minors, a total of six types.

How to pay for Xinhua Health Jishun cancer prevention insurance.

Hello, dear. We're happy to answer your <>

How to pay for Xinhua Kangjian Jishun cancer prevention insurance, pro-Xinhua Kangjian Jishun cancer prevention insurance method; 1: Compensation can be paid after diagnosis, reducing the pressure on short-term expenses of the familyAs long as the cancer is diagnosed as belonging to this contract, you can get 100% of the sum insured compensation for timely cancer. At present, there are more than 100 types of cancers found in medical institutions, and this insurance can fully cover them.

2: There is a high risk of gold after illness, and many patients have a relatively high chance of survival after surgery, and they also need to take medicine to maintain the stability of their condition in the later stage. The design of this insurance is more humane, after the diagnosis of 100% of the sum insured, the patient is still alive, according to the contract, the company pays 20% of the sum insured every year, up to 100% of the sum insured, that is to say, the cumulative maximum of five years, can solve many family expenses in the later stage, extend the patient's life.

3. The maximum triple benefit for specific cancers, special coverage for high-incidence cancers, these specific cancers are prostate cancer and lung cancer in men, breast cancer and cervical cancer in women, leukemia and bone cancer in minors, a total of six types.

"Kang Jian Jishun" is a pure protection cancer insurance, launched in the form of main insurance, compared with similar types of insurance, the premium is low, the corresponding amount of protection is high, so that consumers can resist the potential cancer risk of a small investment to obtain life-saving high protection, which precisely reflects the protection essence of insurance.

The terms and conditions of this insurance product define cancer as follows:

Cancer refers to the uncontrolled, progressive growth and spread of malignant cells, infiltrating and destroying surrounding normal tissues, and can spread through blood vessels, lymphatic vessels, and body cavities to other parts of the body. The clinical diagnosis is classified as malignant tumors in the International Statistical Classification of Diseases and Related Health Problems (ICD-10) of the World Health Organization.

The following illnesses are not covered:

1) carcinoma in situ;

2) chronic lymphocytic leukemia equivalent to the stage A level of BINET staging regimen;

3) Hodgkin's disease equivalent to the Ann Arbor stage I level;

4) ** cancer (excluding malignant melanoma and ** cancer that has metastasized);

5) Prostate cancer with TNM stage T1N0M0 or less (excluding this item if it is a female insured);

6) Malignant tumors during HIV infection or AIDS (Note).

Note: HIV refers to human immunodeficiency virus, abbreviated as HIV. AIDS refers to the acquired immunodeficiency syndrome caused by the human immunodeficiency virus, abbreviated as AIDS.

HIV infection occurs when HIV virus or antibodies are detected positive in human blood or other samples, and no clinical symptoms or signs appear; If there are obvious clinical signs or symptoms at the same time, AIDS is present.

According to the terms of the product, hospital-diagnosed malignant tumors are covered, but some cancers (grade 0 cancer) or carcinoma in situ are not included. Therefore, insurance must be understood clearly before deciding whether to buy it, you can take a look at the following Xinhua insurance product analysis data, I hope it will be helpful to you:

Xinhua is a large life insurance company, with a large number of branches and institutional outlets across the country. The company mainly deals in annuity insurance, critical illness insurance and life insurance.

Asking how the company is is is simply to know how the company's insurance is. The company's insurance products are relatively good, but they are a bit expensive. However, there are a few products that are not worth buying. For example, the critical illness insurance promoted by his family - Health Carefree C1

Healthy Care C1 is a critical illness insurance with only one critical illness claim, and its specific coverage content is as follows:

As can be seen from the figure, the Healthy C1 has the following advantages:

Additional benefits: If you are diagnosed with a critical illness or passed away in the previous 10 years, you can have an additional 20% benefit.

2. If you suffer from 6 specific critical diseases, such as brain cancer, leukemia, pancreatic cancer, etc., you can also get 120% of the basic sum assured.

This product also has these shortcomings:

1. The first problem is that the first problem is too high and the cost performance is not good. With a premium of about 10,000 yuan, you can buy a more comprehensive multi-claim critical illness insurance.

2、。The payout rate of mild illness in this product is only 20%, which is not even the average ratio on the market, so it is not worth it.

According to the terms of the product, all hospital-diagnosed "malignant tumors" are covered, but some cancers (grade 0 cancer) or carcinoma in situ are not included. These are mild illnesses and are not considered major illnesses.

Are liver cancer, kidney cancer, and stomach cancer covered?

New China Insurance's "Superior Life" cancer insurance has five major features:

1. Diversification of services. There are five levels of insurance and six cancer prevention physical examination plans, providing customers with diversified solutions.

Second, the protection is more adequate. During the validity period of the insurance, the policyholder can receive a maximum of nearly 5 times the sum insured.

Third, the range of diseases is wide. This insurance product covers 5 types of mild cancers, including carcinoma in situ, which are excluded from general insurance companies.

Fourth, there is a breakthrough in reimbursement. The scope of reimbursement for medical expenses has broken through the limits of social security.

5. Guarantee the right to renew. The policyholder who has been insured for two consecutive years and has not suffered from cancer within two years can obtain the guaranteed renewal right, and will not refuse to renew the policy because the insured has cancer.

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