I would like to buy critical illness insurance, can you give me an introduction, and which company h

There is no good, only the right one, such as women to buy serious illnesses and women's diseases are considered to be thoughtful, and some customers only recognize large companies, but not all large companies have related products to sell, so is it not not to buy or to wait for the development of products to buy it? Illness is not deferred by this claim!

Hello, I am Chinese Life Now our China Life Corning Critical Illness (2012 Edition) market response is good You can go down Corning to see word of mouth.

Corning Energy Protection:

40 major diseases.

10 types of mild illnesses.

High disability. Death.

First of all, it depends on how much money you spend, you want to solve those big illnesses, and then choose a big company, such as Ping An, Life Insurance.

There are many types of critical illness insurance, including cancer prevention, women's insurance, and more comprehensive. There are also monoinsurance leukemia and the like. There are fixed-term, lifelong, non-refundable, and returnable when due.

There are also dividends that increase in value. It also varies depending on your age, gender, family situation, income, etc. In addition, life insurance and accident insurance cannot be ignored.

Only comprehensive coverage is meaningful. Otherwise, there may be a situation where you cannot pay compensation. So there is no best, better way to say insurance.

As long as the insurance is in line with your current situation, it is good insurance.

Hello, critical illness insurance has different costs depending on age. I don't know your age. /？

We recommend that you take a look at Ping An's Universal Life Insurance. Minimum deposit of 6,000 yuan, serious illness insurance 120,000 yuan, worth protection of 150,000 yuan, accident medical treatment of 20,000 yuan, guaranteed interest rate, participating in the company's dividends, flexible receipt, flexible protection. Flexible payment terms.

You can add a salesman in the same city to design it for you.

Hello, according to your needs, you can consider CPIC's Jinyou Life, which is a very good serious illness insurance, with all kinds of diseases, early payment for minor illnesses, convertible pension, and QQ consultation for details!

Hello, I recommend Sunshine Universal Insurance, you only need to save 500 yuan per month, 6,000 yuan a year, you will have protection of 10,000 yuan for accidental injury, 50,000 yuan for accidental disability, 100,000 yuan for critical illness, and 20,000 yuan for mild and serious illness, which is used to resist the risks in your life; At the same time, the cash value of your account will continue to increase with the operation of Sunshine, and you can receive money from your account in the future to supplement your pension. There are only three situations in life, accidents or short, the body generally lives half a long time, and a long life of health and longevity, so buy Magnum, the short-term is mainly to buy protection, and when an accident occurs, you can leave a compensation for your family, exchange small money for big money, and have money to treat diseases; Of course, you will be healthy for the rest of your life; At the beginning of the medium term, the policy will have income, and after the return of the principal, it is equivalent to not spending money to buy protection; In the later stage, the value of your policy is already considerable, and what it brings you is a quality pension and wealth life.

I recommend to you the Golden Life of the Pacific. It covers 52 critical illnesses and mild illnesses, which is currently the insurance with the most critical illness items on the market, and also has accidental death protection, and its insurance amount increases with compound interest over time, the earlier you insure, the longer you have it, the higher the protection you have! It has a function of converting annuity, if you have been in good health, you can also convert part of the cash value in the account into a pension after the age of 80.

One policy, 4 benefits. This is a particularly economical and practical insurance. (The insured amount of this critical illness insurance is paid in advance, that is, as long as the critical illness is diagnosed, the insurance company will pay the full insurance amount, regardless of the actual expenses incurred.)

This is a good insurance, if you want to have a more comprehensive understanding and then consider what insurance to buy, you can call me ** contact me, I can make a detailed insurance plan for you. You can click on my profile picture to see my profile. We'll be happy to answer for you.

Hello! Buying insurance is about protection, and the right product for you is the best. I recommend Ping An Guardian Health Insurance Plan to you, which is a lifelong health protection plan that integrates mild critical illness protection, critical illness protection, and driving accident protection, and the sum insured can grow, I don't know what your budget is, it is recommended to do the insurance plan between 15-20% of the annual income.

For more information, you can refer to the case, I hope it can help you, I wish you peace and happiness Reference: Ping An Talisman was launched in October 2012 Serious illness protection and pension plan for working women.

In fact, every company has such a product, because the main function of insurance is to provide customers with protection in these aspects, so there is no good or bad, only the best is suitable for you. If it suits you, you need to provide more comprehensive information, such as age, gender, income, occupation, whether there are debts, fixed expenses, etc., to provide you with more detailed information, you can click on my avatar or add QQ to communicate, I hope to provide you with more help.

Hello: According to your needs, you can consider buying Ping An Outsmart Life Universal Insurance, which has comprehensive protection. Here's an example:

Insurance is first and foremost protection, and accidents and health are the first considerations. According to your needs, Ping An Smart Life Universal Insurance can meet your needs with comprehensive protection, and the comprehensive protection and features of Ping An Smart Life Universal Insurance are: double protection, variable interest rate guarantee, flexible financial management, continuous payment, rewards, deferred payment, flexible policy account, transparent and open.

For example, Ping An Life Superior Universal + Critical Illness Insurance Plan can provide various forms of life insurance and health insurance protection. Mr. Li, a 30-year-old male, applied for Ping An Outsmart Life Universal + Critical Illness Insurance Plan.

The insurance premium is 6,000 yuan, and the premium has been paid continuously for 20 years, with a cumulative payment of 120,000 yuan; At the time of application, the basic insurance amount of the main insurance is 200,000 yuan, and the basic insurance amount of additional critical illness is 150,000 yuan; At the age of 60, the basic insurance amount of the main insurance is reduced to 100,000 yuan, and the basic insurance amount of additional critical illness is reduced to 50,000 yuan. Assuming that the settlement interest rate is at a mid-year level, Mr. Lee's death and critical illness insurance benefit will be about $270,000 on the policy anniversary of age 60, and about $600,000 on the policy anniversary of age 80.

You have a need to communicate with me, I wish you peace and happiness!

Hello. Chinese Life's Corning Lifetime Critical Illness Insurance 2012 Edition. Covers 40 major illnesses and 10 minor illnesses. There is also accident protection. For details, please refer to the following examples.

Daddy's point of view has always been: there is no best insurance, only the most suitable. The same is true for insurance companies, insurance should still be based on products.

As the name suggests, critical illness insurance is to take care of critical illness, in fact, when choosing, you don't need to pay too much attention to "how many diseases" are insured, in terms of disease protection, it depends on whether it contains high-incidence diseases, such as high-incidence critical illness, high-incidence mild illness, etc.

If you want to know more about critical illness insurance, you can click hereThe most complete interpretation: What is critical illness insurance? What exactly is the use?

In general, buying critical illness insurance mainly depends on the "three guarantees", one is the high amount of insurance, the other is comprehensive protection, considering the economic strength, but also depends on the premium.

Considering the economic conditions, the dad chooses to pay a single claim for critical illness, after all, a single claim is more affordable than multiple claims for critical illness insurance.

Next, let's take a look at the comparison chart of single claim critical illness insurance:

The critical illness insurance products in the table are relatively comprehensive, in addition to critical illness and moderate and mild illness protection, there are also special benefits, but there are differences in the proportion of critical illness claims, friends can choose according to their needs.

There is no standard answer to which insurance product is best, and the most important thing is to be able to meet personal protection needs. Super Mario 3 MAX and Darwin 3 are both from Cindat Life, and they both offer good value for money that you can consider.

Xueba talks about insurance, focusing on insurance product evaluation! Which domestic insurance company is stronger? The latest 2020 rankings are outFreshly baked! China's Top 10 Insurance Companies Ranking!

The comprehensive strength of each company is clearly described in the list, and after reading it, it can help you find your favorite company

At present, there are a total of 240 formal insurance institutions registered with the China Banking and Insurance Regulatory Commission in China. In this way, there are quite a few insurance companies, but which one is the best? Usually asking which insurance company is good, basically I want to ask which one can pay the most.

On this question, the data is the closest to the correct answer, and if you are not sure, you can see this ranking2020 Most Comprehensive Insurance Company Solvency Ranking

In fact, it is not only this, but also whether an insurance company is good enough to become an industry boss, and whether the premium income is high is also very important. We can refer to the premium ranking published by the China Banking and Insurance Regulatory Commission, because this is equivalent to an official market share ranking, which will be more objective, you can see the following table:

Seeing this, some friends may have such thoughts, feeling that the same insurance companies can be among the best, and some companies have not appeared in the front of the ranking list, isn't that bad? I don't think I'll run away with money!

Therefore, even if it is not always at the top of the list, as long as an insurance company can be established in China, most of them will not go bankrupt, anyway, from the reform and opening up to the present, there has been no case of insurance company failure.

If you are really so unlucky, don't panic, the state will control it, and the insurance bought in that company will still be valid! If you are interested, you can read this articleThe insurance company is bankrupt, what should I do with the insurance I bought?

If you want to buy a critical illness insurance, which insurance company is good for critical illness insurance?

In fact, no matter what product we buy, the first thing we should focus on is how the product is? As for which insurance company to choose, it is secondary.

In the purchaseCritical illness insuranceWhen you want toNoteThe following questions:

>> Critical Illness Coverage

Many people will say that the more types of critical illness protection the better, but this is not the case. No matter which type of critical illness insurance it covers, the types of diseases it covers must be greatly regulated by the China Insurance Regulatory Commission25 kinds, and this25 kindsStandard critical illness already accounts for the incidence of critical illnessAbout 95%., the additional disease species has little effect on the incidence.

>> number of payouts

Many people think that the more claims for critical illness, the better, but in fact, you are underestimating the influence of critical illness, a critical illness actually causes great damage to people's bodies, and there is basically no such thing as critical illness, but it can survive for more than 5 years, and the probability of ** is only。- Having a serious illness is equivalent to exploding a nuclear bomb in our body, and half a life is gone, let alone multiple illnesses.

>> sum insured

It is not good to have too high or too low the sum insured, and we are currently **Serious illnessThe average cost required is:300,000, but illness can also cause other losses, so the sum insured for critical illness should at least be achieved500,000

I recommend buying the Huaxia one better.

When it comes to purchasing critical illness medical insurance, the best critical illness medical insurance plan is the one that best suits your protection needs. Critical illness medical insurance varies from insurance company to insurance company. Generally speaking, the insured amount for at least a critical illness for an adult in the family is 300,000, if the family economic conditions are relatively good, it is recommended that the family financial pillar make a larger sum insured, and the general premium can be controlled at about 10% of the family balance.

For example, we are familiar with Hengqin Life Insurance, Cindat Insurance, Kunlun Health, and Centennial Life. These insurance companies are very good at critical illness insurance, the cost performance is very high, and the products are also very numerous, selective, and very suitable for us to buy.

If you want a relatively high sum insured, Darwin No. 3 Cindat Insurance, his sum insured is relatively high, and there is an additional 80% payout before the age of 60.

In addition, the same high sum insured is Worry-Free Life 2020, which can pay an additional 60% is also very good.

If you want to buy a product with multiple claims, it is more recommended to recommend Kunlun Health's Guardian No. 3 and Fosun United's 666, which are all very good products and are very cost-effective.

In addition, Centennial Life's Kanghuibao is very cost-effective, suitable for those with a short budget, and then his compensation can also be paid up to an additional 60%. It's also very good.

Extended Information:1Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating the insurance money for the property loss caused by the occurrence of an accident that may occur as agreed in the contract, or when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract.

2.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.

3.Insurance role.

1. There must be risks in insurance. The purpose of establishing an insurance system is to deal with the occurrence of specific dangerous accidents, and there is no insurance if there is no risk. In order to apply the principle of large numbers, the risks that may benefit are not insurable, so commercial insurance institutions generally do not cover such risks.

2. Insurance must provide financial compensation for losses caused by dangerous accidents. The so-called economic compensation means that this compensation is not to restore the destroyed original thing, nor to compensate in kind, but to make monetary compensation. Therefore, the loss caused by the accident must be economically valuable.

In life insurance, the value of the person itself cannot be calculated, but the labor of the person can create value, and the death and disability of the person will lead to the loss of the labor force, so that the income of the individual or his family will decrease and the expenses will increase, so the life insurance is to make up for the increased economic burden with economic compensation or payment, and it is not to ensure that people recover the lost labor force or life.

3. Insurance must have a mutual aid relationship. The insurance system is a method of spreading losses among many units to reduce the losses of disaster-stricken units. Through insurance, the policyholder pays the insurance premium together, establishes the insurance compensation**, and obtains the protection together.