There are many optional liabilities for Baihui Critical Illness Insurance, how to choose when applyi

Centennial Life Insurance Company is really a trend, launched a lot of Internet celebrity critical illness insurance, and now with Baihui Bao brand new debut, this Internet celebrity critical illness insurance basically represents the highest level of protection of the current critical illness insurance, how good it is, you can see my previous detailed and dedicated understanding"."Centennial [Baihuibao], I have to say two words to you.

Patrons Insurance has three optional responsibilities, namely death benefit, second compensation for cardiovascular diseases, and exemption for policyholders

1. Liability for death

Death benefit is based on the death benefit paid before the age of 18 and the basic sum assured after the age of 18.

Critical illness insurance with death liability can be paid for both contracted illness and death, and if you don't plan to buy life insurance, you can consider adding death liability.

2. Second compensation for cardiovascular diseases

Patron Protector can add cardiovascular and cerebrovascular secondary compensation, paying 120% of the sum insured, with an interval of 1 year.

The cardiovascular secondary benefit includes many high-incidence diseases, such as acute myocardial infarction, severe myocarditis, etc.

Long-term bad living habits, heavy work pressure, and overloaded living conditions are more likely to induce this kind of cardiovascular disease.

If you pay more attention to cardiovascular security or "996" and "007", don't hesitate to choose it.

3. Exemption for policyholders

The policyholder's waiver means that if the policyholder suffers from critical illness or dies, if the policyholder's waiver is attached, the premiums of the policy's policy will no longer have to be paid, and the protection will continue to be in force. It can effectively solve the problem of the insured's insurance lapse. My suggestion is that the policyholder waiver is useful, but it is not necessary, it is okay to attach this benefit, and there is no major problem if it is not added, and it is not a big problem to choose according to individual needs, and you can refer to the specific content of the premium waiver"Is it good to waive premiums, do you have to choose it when buying insurance?"

Hope!

Regarding Patrick Critical Illness Insurance, there are mainly these 3 optional liabilities.

Death benefit. Policyholder waiver.

Second reimbursement for cardiovascular diseases.

If we want to add the above optional responsibilities, we can first look at what these responsibilities can cover?

Death benefit.

The premium paid on death before the age of 18 will be paid and 100% of the basic sum assured will be paid upon death after the age of 18.

If you don't have life insurance and want to improve your death protection, you can do so.

2.Policyholder waiver.

After the expiration of 90 days of the waiting period, if the insured dies of total disability, critical illness, moderate or mild illness, the unpaid premiums can be waived.

The policyholder's waiver can essentially be regarded as the purchase of a critical illness insurance policy for the policyholder, and the sum insured is the total premium of the policy purchased for the insured, and the premium is the additional cost of choosing this function.

From this point of view, it is similar to a "reduced critical illness", after all, the total premium that can be waived is a little less for each year of premium paid, which is equivalent to a reduction in the sum insured of this critical illness, but the cost required for waiver will not be reduced.

The earlier the insurance is issued, the more unpaid premiums will be waived by the policyholder.

Considering that the older the age, the higher the incidence, and it is more appropriate for the older person to buy the policyholder waiver.

But insurance companies are not stupid, they limit the age of policyholders, generally not more than 55 years old.

There is a situation where the father still recommends the additional policyholder exemption, that is, the husband and wife are the policyholders of each other's policies.

3.Second reimbursement for cardiovascular diseases.

Baihui Bao Critical Illness Insurance agrees on 12 specific cardiovascular and cerebrovascular diseases, and the second compensation will be 120% of the sum insured, with an interval of 1 year, and the specific diseases are as follows:

Cardiovascular and cerebrovascular coverage.

The above includes many high-incidence diseases, such as acute myocardial infarction, aortic surgery, severe myocarditis, heart valve surgery, etc.

If you want to increase your protection against cardiovascular diseases, you can add.

It seems that Baihuibao has really become an Internet celebrity, and many people ask, how good is this dark horse? Take a look at the analysis article done by an insurance senior:

"Centennial [Baihuibao], I have to say two words to you.

There are really a lot of optional responsibilities of Baihui Insurance: there are three types of cardiovascular and cerebrovascular special disease second compensation, death benefit, and policyholder exemption, and the insured amount is also relatively attractive, such as the cardiovascular and cerebrovascular second compensation reaching 120% of the basic sum insured.

The second compensation for cardiovascular and cerebrovascular diseases agreed by Baihui Insurance will pay 120% with an interval of 1 year. It covers 12 types of high-incidence cardiovascular and cerebrovascular diseases, including acute myocardial infarction, coronary artery bypass grafting, sequelae of encephalitis or meningitis, and heart valve surgery.

According to the statistics of Guanghua Boste Consumer Big Data Center, due to the acceleration of social rhythm, work and life into an overload state and other reasons, cardiovascular and cerebrovascular diseases have become one of the three major killers of Chinese life, and 2 out of every 5 disease deaths are due to cardiovascular diseases.

If you have an irregular pace of life and long working hours, especially those of "996", don't hesitate to choose!

Pak Hui Bao agrees that if you die before the age of 18, the premium paid will be paid, and after the age of 18, 100% of the basic sum assured will be paid. Death benefit is recommended to be selected no matter what the situation, which is equivalent to an additional life insurance protection. There have been quite a few tragedies:

After someone suffers from a critical illness, they die before they can be diagnosed, and because they do not choose the death benefit, the critical illness insurance does not make a claim.

Policyholder waiver. It means that when the policyholder suffers from a critical illness or unfortunately passes away, the premium of the insured's policy will no longer need to be paid, and the protection will continue to be effective, which can effectively solve the problem of the insured's protection lapsing.

The policyholder waiver is useful, but not required. If it is a parent who buys it for his child, it is recommended to check it to ensure that the parent can still leave a protection for the child in the unfortunate event of death. In general, it is okay to add this benefit, and there is no major problem if it is not added, so you can choose according to your personal needs.

The senior sister once wrote a detailed explanation, and after reading it, there is no doubt about the policyholder's exemption!

"Is it good to waive premiums, do you have to choose it when buying insurance?" Hope!

Patrons has three optional responsibilities:Cardiovascular and cerebrovascular secondary compensation, death benefit, and policyholder exemptionWhen applying for insurance, you should choose whether to attach optional responsibilities according to your actual needs. Pavidus relied on"I have people, and I have nothing".The spirit of "birth" is popular among consumers, although Baihui Bao has comprehensive protection and a high compensation ratioBut in fact, there are still these "dark pits" hidden:

Centennial Life [Baihui Insurance] still has these routines ......

First of all, let's take a look at the product form diagram of Baihuibao:

So how should you choose the three optional responsibilities of Baihui Insurance?

1.Cardiovascular and cerebrovascular secondary compensationIt means that if the same cardiovascular and cerebrovascular disease is diagnosed again after an interval of 1 year, 120% of the basic sum insured can be paid. If you have a stressful life, often stay up late, work overtime, irregular work and rest, etc., you can choose to add cardiovascular and cerebrovascular secondary compensation, and one more compensation will be guaranteed.

Moreover, men are more likely to have cardiovascular and cerebrovascular diseases than women, and if you are a man, you should also attach a second compensation for cardiovascular and cerebrovascular diseases.

2.Death benefit. If the insured person dies before the age of 18, the premium paid will be paid; If you die after the age of 18, 100% of the basic sum assured will be paid. If you are concerned about the death benefit, you can choose the death benefit, but if a critical illness claim occurs, the insurance contract is terminated and the death benefit will be terminated.

If you want death protection, you can consider choosing life insurance, life insurance has hundreds of thousands of sum insured for a few hundred yuan a year, and the cost performance is also good: >> top ten life insurance companies worth buying!

3.Policyholder waiver. In the case of death, total disability, mild, moderate illness and critical illness, the subsequent premium will be waived and the contract will continue to be valid. If the policyholder and the insured are not the same person, and you are worried that the policyholder will not be able to continue to pay the subsequent premiums due to illness or accident, you can choose the policyholder to waive. Hope!

Patrons has three optional liabilities, namely death benefit, second compensation for cardiovascular diseases, and policyholder waiverWhether these three benefits should be added depends on the needs of each person.

1. Death benefit

Patrons Death Benefit: If you die before the age of 18, the premium paid will be paid, and after the age of 18, 100% of the basic sum assured will be paid.

Death Benefit Benefits:

(1) It can solve the two risk problems of critical illness and deathIt can be said that you can kill two birds with one stone, and you don't have to worry about which life insurance is better to choose.

(2) The cash value in the later period tends to be the sum insuredThe cash value is the amount that can be refunded at the time of surrender, and the cash value of a lifelong critical illness insurance product with death liability becomes closer to the sum assured the older you are.

Cons: Expensive,The premium of a critical illness insurance product that includes death benefit is several thousand dollars more expensive than that without death benefit, which may not be suitable for people who are looking for high cost performance.

2. Cardiovascular and cerebrovascular secondary compensation

Patrick Cardiovascular and Cerebrovascular Second Claim Coverage: If the same cardiovascular and cerebrovascular disease is diagnosed again after an interval of 1 year, 120% of the basic sum insured will be paid.

Personally, I think it's better to add, let's look at a set of data: taking Taikang Life's 2018 claims annual report as an example, cancer accounts for the majority of critical illness claims, especiallyFemale cancer claims are as high as 83%, male cancer claims reach 58%, and cardiovascular and cerebrovascular diseases account for 30%.

MoreoverThe rate of cardiovascular and cerebrovascular ** is extremely high, and it is also very difficultIf you are worried that you will have a greater risk of cardiovascular and cerebrovascular diseases in the future or worry about problems such as metastasis, you can consider add-on.

3. Exemption for policyholders

Patrons Insurance Policyholder Waiver Coverage:In the event of death, total disability, mild, moderate illness and critical illness, the premium will be waived and the contract will continue to be valid.

This benefit means that if the policyholder suffers from critical illness or death, etc., if the policyholder waives otherwise, the premium of the policy's policy will not have to be paid, and the benefit will continue to be effective, which can effectively solve the problem of the insured's protection lapse.

"Is it good to waive premiums, do you have to choose it when buying insurance?" 》

Xueba said the official website of insurance

Hello, Patron Protector is a multi-claim multi-claim critical illness insurance with pre-existing condition protection, which is the preferred product for comprehensive protection, and it is also one of the few lifetime optional multi-claim critical illness insurance without death in the market.

If you care about cost performance, it is recommended to choose the basic form (including the second malignant tumor) and choose lifelong protection, which is more advantageous for women to insure;

If you have a family history of cardiovascular and cerebrovascular diseases, or front-line white-collar workers who often work overtime, or people who are more concerned about cardiovascular and cerebrovascular protection, it is recommended to attach secondary liability for cardiovascular and cerebrovascular diseases when applying for insurance;

If you have a sufficient budget and want full protection, you can choose to protect it for life, with additional secondary liability for cardiovascular and cerebrovascular diseases and death liability to achieve comprehensive protection without dead ends.

Hello, if it is the first policy in life, if the economic strength is average, it is recommended that you buy full insurance, the amount of insurance can be low, and the insurance must be comprehensive, such as: cat scratch dog bite, headache and fever can be reimbursed for the insurance, I don't know how to continue to ask me!

Hello, first of all, it is recommended that the liability for death or total disability must be chosen, otherwise there are two high morbidities that may not be claimed, acute myocardial infarction and sequelae of stroke; For malignant tumors and cardiovascular and cerebrovascular secondary compensation, conditions can also be paid. In addition, the maximum payment period is selected. If the insured person is a minor, then it is better to choose the policyholder exemption as well.

The overall protection of Baihuibao is relatively comprehensive and strong enough.

The features of the product are as follows:

1.Flexible payment termsThe payment period of Centennial Baihui Insurance can be selected from 5 years, 10 years, 15 years, 20 years and 30 years, so that consumers can choose flexibly.

If the economic conditions are not very good, you can choose to pay for 20 years and 30 years to reduce the financial pressure.

If the economic conditions are optimistic, you can choose to pay for 5 years and 10 years, depending on the actual situation.

2.The amount of critical illness benefits has been increasedRecently launched critical illness insurance products. The payouts for critical illness are relatively high.

Centennial Baihui Insurance is not far behind, paying 160% of the sum insured before the age of 60, the compensation threshold is low, and the compensation amount is currently high.

Hope! 3.Comprehensive coverage for high-incidence critical illnessesCentennial Baihui Insurance comes with a second claim for cancer, which pays 120% of the sum insured.

If you add the second compensation for the old blood vessels who are blind to the heart and brain, then the protection for high-incidence critical illnesses is very comprehensive.

In addition to the above advantages, Baihui Bao also has these disadvantages: Analysis of the shortcomings of Baihui Bao Critical Illness Insurance.