Which critical illness insurance is better in 2018?

Hello, the current popular critical illness insurance must be indispensable to Kanghuibao, Doraa Insurance and Anbang Evergreen.

Doraa is fully covered, and the diseases that occur frequently in children are also basically included, and severe hand, foot and mouth disease, severe Kawasaki disease, etc., are distributed in different groups, making the grouping more reasonable.

Kanghui Insurance covers 100 types of critical illnesses and 30 types of mild diseases, which is advantageous;

Evergain includes 80 kinds of critical illnesses, 38 kinds of minor illnesses 5 times, death, total disability, and terminal illness super full protection, which is also a good choice, and it is recommended that consumers compare before making a choice.

Sycamore Tree Insurance Network helps you answer your questions

Critical illness insurance, with a wide variety, according to the number of claims, there are multiple claims and single claims; Depending on the duration of the insurance, there are fixed-term protection, lifetime coverage, and so on. What kind of critical illness insurance is good? You need to make a comprehensive comparative evaluation and choose the most suitable one according to your own protection needs and financial affordability.

It must be guaranteed, but it should not be overburdened and affect other normal expenses. Among similar products at the same price, you can choose the right critical illness insurance according to the following.

1.Safeguard Liability. After the covered illnesses include the specified 25 critical illnesses, the more common types of illnesses there are, the more comprehensive the protection.

At the same time, it is better to choose a product with a premium waiver for more protection. It can also be seen if there are also death and other protection liabilities, generally speaking, the more protection liabilities, the higher the premium.

2.The length of the waiting period. The waiting period refers to the period during which the insurance contract is in force, and the beneficiary cannot receive insurance compensation even if an insured event occurs, and this period is called the waiting period. Generally speaking, the shorter the waiting period, the better.

3.Conditions of Indemnity and Exclusion of Liability. There is generally no unified specification for major illnesses and minor illnesses other than the 25 types of critical illnesses, and there will be certain differences in the definition of diseases and payment conditions.

4.Pay attention to the number of disclaimers. If the exclusion clause is included, the insurance will not compensate you and you can choose a product with fewer exclusion clauses.

5.**。The investment of premiums should be within affordability, and the sum insured should be sufficient.

Finally, if you don't have the time and energy, or don't know enough about insurance, you can choose a professional insurance broker to purchase critical illness insurance, and the insurance broker can choose the right product for the customer according to the customer's protection requirements and ability to pay, and formulate an exclusive protection plan.

Since there are countless bright and inclusive critical illness insurance products on the market, each product has its own characteristics, there is no standard answer to the best critical illness insurance ranking, however, if you want to say which critical illness insurance performs better, then Versailles plus critical illness insurance, Darwin No. 7 critical illness insurance and other products are on the list.

Many friends may not know much about Versailles plus critical illness insurance, so the following senior sister will give you a brief introduction.

First of all, hand over the product protection map of Versailles Plus Critical Illness Insurance:

As shown in the figure, the insurance age of Versailles Plus Critical Illness Insurance is from 30 days old to 55 years old, the protection period is lifelong, the payment period can be divided into 5 10 15 20 30 years, and the waiting period is 90 days.

If you have friends who don't know much about the waiting period, you can take a look at this article:During the waiting period, the insurance company will not pay? If you don't understand, you'll suffer a big loss!

For example, before the age of 60, the additional compensation ratio for critical illness is as high as 80%, that is, if the insured suffers from a critical illness for the first time before the age of 60 and meets the conditions for claims, the insurance company will pay an additional 80% of the basic sum insured.

That is to say, if the insured originally purchased the insurance amount of 500,000, the insured can get 900,000 insurance money when he is out of insurance, and the extra 400,000 can allow the insured to choose better conditions and improve the rate.

In addition, the mild to moderate illness of Versailles Plus Critical Illness Insurance can share 5 claims, regardless of whether the insured suffers from 1 moderate illness + 4 mild illnesses, or 2 moderate illnesses + 3 mild illnesses, as long as it is within 5 claims, you will have the opportunity to get the insurance money.

As we all know, it is unpredictable how many mild to moderate illnesses a person will suffer from in his life, and Versailles Plus Critical Illness Insurance will be more flexible in the form of sharing the number of claims in the form of digging key mills, which will also improve the probability of claims to a certain extent.

Due to the limited space, more advantages of Versailles plus critical illness insurance are sorted out in this article, and friends who want to continue to understand can move to check:Versailles Plus Critical Illness Insurance is back, an in-depth review must be seen before buying!

In general, the advantages of Versailles Plus critical illness insurance are still relatively prominent, and it is worth starting. Hope.

The top five cost-effective critical illness insurance companies include Health Care Critical Illness Insurance, Darwin Beyonder Critical Illness Insurance, Darwin No. 1 Critical Illness Insurance, Beiduofen No. 1 Critical Illness Insurance, and Healthy Life 2019.

1. Health care critical illness insurance

Features: The first critical illness medical allowance, the insurance company pays an additional 10% of the critical illness sum insured as an allowance every year, and can apply for it for 5 consecutive years, up to 50% of the sum insured!

The interval between the two cancers is only 3 years, and the interval between the two cancers is only 180 days, and the interval is only 180 days for the first critical illness claim, and the cancer cells**, metastasis, persistent, and new cancers can be compensated.

2. Darwin Transcendent Critical Illness Insurance

Features: Critical Illness Sum Insured: 0-40 years old, with an additional 35% of the basic sum insured in the first 15 years; 2 claims for malignant tumors (can be added); After 3 years of the first malignant tumor, 120% of the sum insured will be paid regardless of new, metastasized, or **; If the first non-malignant tumor is diagnosed with a malignant tumor after 1 year, the sum insured will be paid; Hypertension level 1 can also be covered by the standard.

3. Darwin No. 1 Critical Illness Insurance

Preferential premiums, cash value will grow; For every 1 claim for minor illness, the sum insured for critical illness will be increased by 10%, up to a maximum of 30%; The cash value continues to grow, and the cash value of 130785 yuan can be refunded when the policy is surrendered at the age of 70; The premium is cheap, the cash value continues to grow, and it is very high (you can get more money back when you surrender the policy, the biggest highlight), support the policyholder waiver, and it is cost-effective!

4. Prepare Dodofen No. 1 critical illness insurance

Features: Spare Dodofen No. 1 Critical Illness Insurance, 360-degree protection without dead ends, loose underwriting, high cost performance, high-quality value-added services, flexible product selection, and the most comprehensive return-type critical illness insurance at present! Fits:

The budget is sufficient, the most complete and maximum guarantee, and there is no bias of large and small companies.

5. Recreation Life 2019

Features: Cancer 2 claims can be selected; The most lenient smart underwriting. Healthy Life 2019 Critical Illness Insurance, with loose underwriting, can be underwritten for hepatitis B virus carrier or hepatitis B Xiaosanyang, and normal liver function and liver ultrasound examination in the past six months.

It is the cheapest return-type critical illness insurance among the critical illness insurance with a single claim for critical illness!

At present, there is a list of the best critical illness insurance on the market:1. Cindat Life Super Mario No. 4 Super Mario No. 4 This product should be a familiar old friend for some friends. It is a new Super Mario series product launched by Cindat Life Insurance in accordance with the new regulations on critical illness.

Naturally, it inherits the advantages of its predecessor, the Super Mario 3 MAX, with additional payouts on the basic guarantee. Moreover, the proportion of secondary compensation for malignant tumors and cardiovascular and cerebrovascular diseases is also higher. The common payout ratio is 100% or 120% of the basic sum insured, but it can pay 150% of the sum insured!

The Severe Malignant Tumor Care Supplement can provide us with long-term protection against cancer. You must know that cancer is not a simple disease, it often takes several years.

Comhuibao Ultimate is a product with a very high degree of protection flexibility. In addition to critical illness and mild illness protection, other benefits such as moderate illness, mild illness, death liability, etc. can be freely selected.

Don't slip, the 2019 most dry critical illness insurance strategy + cost-effective critical illness insurance evaluation. Let you buy the best critical illness insurance at one time and save 100,000 yuan!

The so-called critical illness insurance covers critical diseases, such as cancer, such as cardiovascular and cerebrovascular diseases.

Regardless of the probability of suffering from a serious illness in this life, it is said that among the relatives and friends around everyone, there are always two or three people who suffer from this misfortune. Once you are seriously ill, not only do you need to pay for it, but you may not be able to work for several years, which causes a lot of losses.

With the advancement of modern medical treatment, getting seriously ill does not mean that you are sentenced to death. However, the high ** fee for critical illness starts from 300,000-500,000.

For cancer, if advanced targeting**, proton heavy ion**, and the cost of proton heavy ion ** are used, it is also possible that the cost will exceed one million. And after being sick for three or five years, ** nursing needs money, and you have to repay the mortgage during the illness, what should I do?

This has to talk about critical illness insurance, once you have certain diseases and meet the claim standards, you can get a one-time claim payment. Unlike the reimbursement system of medical insurance, critical illness insurance is a benefit type.

To be honest, critical illness insurance has changed quite rapidly in the past two years, and each has a lot of responsibilities. As a result, the senior sister ranked the mainstream critical illness insurance responsibilities in order of importance from top to bottom:(**Too big to upload, put the original text here, there is a detailed explanation inside:.)

Which is the best critical illness insurance, how to buy it cost-effectively, and teach you to avoid these pitfalls of insurance).

The sum insured of critical illness insurance must at least be able to cover the loss caused by a critical illness, including ** fee, ** fee, lost work fee and so on. Generally speaking, it is recommended to allocate the sum insured to 3-5 years of household expenses. So there is a saying called:

The sum insured of critical illness insurance starts at 300,000, 500,000 is okay, and 1 million is well-off, which is not unreasonable.

For example, a critical illness insurance that only pays for one critical illness should be between 3400-4200. (Mild and moderate illness, multiple claims, death liability are not included) The senior sister inquired with an actuary friend that the pricing rate of the product is linked to the risk probability.

As long as the criteria for appeal are followed, it is not difficult to screen out a cheap and practical critical illness insurance.

The specific product selection needs to be considered in combination with the individual's budget, risk gap, physical condition and other factors. Senior sister still says that there is no perfect product, only suitable products.

2019 has passed, and the new regulations on critical illness insurance have been promulgated, let's take a look at the new definition of critical illness insurance that is more cost-effective in 2021. The details are written here: "What are the new definitions of critical illness insurance with high cost performance?" 》

Insurance is indeed a bit complicated for first-time friends, but in fact, its routine is very simple!

Product type: buy consumption, don't buy return. With the same guarantee, the return type is almost half as expensive, and the money returned after a few decades is not as much as you think, and the extra money is not as good as depositing in the bank.

Mild illness benefit: It mainly depends on whether there are 8 major high-incidence mild diseases. To measure whether a product's mild illness protection is perfect, it is not to see how many mild illnesses it has, but to see whether it contains 8 high-incidence mild diseases.

Critical Illness Benefit: No need to pursue inflated types of illnesses. Because the China Insurance Regulatory Commission has formulated 25 types of critical illnesses, all critical illness insurance policies are the same from the definition of illness to the claim standard. These 25 critical illnesses account for more than 95% of all critical illness claims.

Waiver Benefit: It is best to bring your own insured waiver protection, and if you are insured by husband and wife or parent, it is best to attach the policyholder waiver. Once the insurance is out of order, there is no need to pay the premium again, and the protection is still valid.

If you are facing critical illness insurance with multiple claims, you must focus on these points:

Mild illness benefit: no grouping, no interval between claims is the best.

Critical illness protection: Cancer is grouped separately, high-incidence critical illness is grouped evenly, and the shorter the claim interval, the better.

There are many life insurance companies in China, and the critical illness insurance products of each insurance company are different, and 100 people and 100 insurance companies may not be able to meet everyone's needs. Therefore, whether the cost performance is high or not is for some people.

For consumers, paying less money, having a large scope of protection, and being able to pay for illness is the highest cost performance. How to buy critical illness insurance:

Consider priorities.

Products before companies:

First consider whether the specific critical illness insurance product is suitable for your specific situation, and choose the right critical illness insurance product for you according to your age, income and other insurance needs. In the case that there is little difference between specific critical illness insurance products, you can consider factors such as the insurance company's corresponding product, the service quality of the insurance company, the degree of relaxation of the claims, and the terms of the insurance product.

Protect first and manage later:

Critical illness insurance is a protection for your family and yourself in the future, and you should first purchase critical illness insurance products based on the protection of your family's health.

Sum Insured First and Others After:

Buy enough sum insured first, sufficient sum insured can effectively transfer the risk, and then consider other factors when buying enough sum insured.

As the most complex type of insurance among the four major types of insurance, critical illness insurance can be divided into four categories, namely: single-claim critical illness insurance and multi-claim critical illness insurance, savings critical illness insurance and consumer critical illness insurance.

1. Single Claim Critical Illness Insurance.

Single-payout critical illness insurance is more traditional, as the name suggests, it only pays for critical illness and death once, and the contract is terminated after the claim is made.

2. Multiple claims for critical illness insurance.

Multi-claim critical illness insurance is an increase in the number of claims on top of a single claim critical illness insurance. In other words, it is not like a single payment and the contract is terminated.

Instead, the contract is still valid after the payout, but there is a time limit between the two payouts, and the payout can be made again if a critical illness is not used.

Insurers generally design critical illness groups so that when the same group of critical illnesses is paid once, the group of critical illnesses will lapse and you will not make a claim if you suffer from one of these critical illnesses the next time.

3. Savings critical illness insurance and consumer critical illness insurance.

The two can be viewed together, and the biggest difference between these two is to see if there is a death benefit. That is, if you do not suffer from a critical illness during the policy period, then the consumption is consumption.

The savings type is that if the critical illness is not insured but the claim will be made in the event of death, there is no such consumer critical illness insurance. One thing to note: only one claim can be made for death and critical illness.

Extended information] Insurance refers to the commercial insurance behavior in which the policyholder pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of compensating the insurance money for the property loss caused by the occurrence of the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is an "exquisite stabilizer" of social production and social life. From a risk management perspective, insurance is a method of risk management.