I would like to ask you to sell insurance, what are the most suitable critical illness insurances no

I'm going to get you a copy of the latest comprehensive review of popular critical illness insuranceA comparison table of 136 popular critical illness insurances in China

Nowadays, critical illness insurance products are becoming more and more abundant, and the protection content is becoming more and more comprehensive. Among many insurance companies, Centennial Life can be said to be at the forefront of critical illness insurance innovation, and several critical illness insurance policies have included "pre-existing condition protection". The following recommendation for you is a hot-selling product of Centennial Life "Kanghuibao".

Next, the senior sister will briefly talk about this [Kang Huibao.

Its advantages are mainly as follows:

1.Comprehensive coverage. The coverage includes not only "Critical Illness Benefit", "Moderate Illness Benefit", "Mild Illness Benefit" but also "Pre-existing Illness Benefit".

Antecedent disease, literally, can be understood as a disease that is even more "mild" than a mild disease. In addition, the pre-existing conditions benefit covers more common diseases, such as intestinal polyps, pulmonary nodules, atrial fibrillation, etc. Therefore, it is still very practical to have pre-existing condition protection.

2.Additional benefits for critical illness benefit. In this regard, the protection of this product is still very large, and an additional 60% of the basic sum insured will be paid if a critical illness is diagnosed before the age of 60.

3.It has a higher sickness payout ratio than many products on the market, with a maximum of two claims and 60% of the basic sum assured for each claim, while most products on the market have a 50% payout for moderate illness.

Although there are many advantages of this product, the senior sister has also emphasized that no insurance product is perfect at present, to determine whether it is suitable for you and worth buying, we also have to look at this product comprehensively from both sides. For the shortcomings of this product, the senior sister will not repeat it here, if you want to know, you can take a look at thisWhen I saw [Kang Huibao, the people all said that they were excited, is this really the case? Hope.

Critical illness insurance is the product that requires the most budget among the four basic types of insurance, and it often costs tens of thousands of dollars per year.

But life is so difficult, most people still don't have much budget for insurance, in this case, dad generally recommends choosing regular critical illness insurance, which only covers the first few decades. "Inventory of critical illness insurance in June, these are cost-effective! 》

Daddy directly concluded:

If you pursue the strength of protection: Hengqin Worry-Free Life 2020 and Xintai Super Marie Critical Illness Insurance No. 2 MAX

Hengqin Worry-Free Life 2020 is excellent in terms of both the sum insured and the optional liability, and the optional liability also includes specific critical illnesses for children, and the protection is very comprehensive.

Xintai Super Mario Critical Illness Insurance No. 2 MAX is very sufficient, 160% of the sum insured will be paid if a critical illness occurs before the age of 60, and an additional compensation for carcinoma-in-situ is also included, and the cancer protection is very comprehensive, which is the highlight compared to other critical illness insurance. "Hengqin Life Worry-free Life 2020, Detailed Evaluation and Analysis of Advantages and Disadvantages, Is It Worth Buying".

If there is a focus on cardiovascular and cerebrovascular diseases:Cindat Super Marie Critical Illness Insurance No. 2 MAX and Iron Warrior No. 1.

Cindat Super Marie Critical Illness Insurance No. 2 MAX has the lowest rate after the second claim for specific cardiovascular and cerebrovascular critical illnesses is attached, and the sequelae of stroke are included in the cardiovascular and cerebrovascular critical diseases, which is very practical.

Iron Warrior No. 1 can choose to pay 2 times for mild cardiovascular and cerebrovascular diseases, and 120% of the sum insured can be paid for critical illnesses twice.

If you don't want to include death liability, you are more sensitive to **:Guofu Jiahebao, Three Gorges Iron Warrior No. 1 and Xintai Super Marie Critical Illness Insurance No. 2 MAX

Guofu Jiahe Insurance has the lowest rate among these critical illness insurances, and the cancer guarantee is okay.

The rate of the Three Gorges Iron Warrior No. 1 is also very low, and the protection for cardiovascular diseases is sufficient, with a maximum of 150% of the critical illness insurance amount, which is very good.

The premium rate of Cindat Super Mario Critical Illness Insurance No. 2 MAX is not high, with a maximum of 160% of the critical illness sum assured, and the highlight is 45% of the first minor illness claim.

Buying insurance depends on your needs, if you only buy critical illness insurance, it is relatively simple, it is recommended to buy comprehensively.

At present, Ping An has a 100% guard, which is very good. It can involve 10 15 20 30 years of payment, and the premium paid will be refunded at the age of 60, but critical illness and death can still be covered for life.

Critical illness insurance can generally be purchased under the age of 55, and the premise of purchase is that you are in good health and do not have any hospitalization records or bad examination and outpatient records, otherwise you may be denied insurance or be exempted from liability. It must be appropriate to buy it when you are young, because such insurance is paid for 20 years, 30 years, and then for life, or a fixed age, such as 70 years old to 80 years old. And when you are older, for example, in your 40s or 50s, you still want to buy such insurance, then it is not particularly cost-effective.

Because the fee paid is too much, the compensation is not particularly much.

There are thousands of critical illness insurance, the focus is to see which insurance is suitable for you, and what others think is suitable may not be suitable for you, welcome to consult.

Now all companies have critical illness insurance, and there are many types, according to different ages, different occupations, there are many kinds, there are fixed, there are lifelong, buy or choose a large company, complete outlets, good service.

Hello! Now the most suitable critical illness insurance is Chinese Life's Guoshou Fu, which is now sold as a celebration version of Guoshou Fu, which is paid for 19 years and guaranteed for life. In addition to purchasing critical illness insurance, it is best to add millions of medical insurance.

You can consult me. Hope it helps, thank you!

Almost all insurance companies have products for critical illness insurance, and these products have their own pros and cons, and there is no good or bad, we can choose according to our needs。More and more people are choosing to buy critical illness insurance for themselves to help better pass on the risk after the accident comes. Critical illness insurance is indeed the basic type of insurance among many insurances, and it is very suitable for those who are buying insurance for the first time.

The problem is that there are so many types of insurance companies on the market that people who have not bought insurance do not know which insurance company to choose, even if it is critical illness insurance from the same insurance company, there are pros and cons. When we choose critical illness insurance, we should not focus on the insurance company, but on the insurance regulations. The first is the amount of compensation, the so-called amount of compensation, that is, the amount of compensation that can be obtained after the insured is diagnosed with a critical illness, some people only pay attention to the monthly expenses, but do not pay attention to the amount of compensation, normally speaking, the premium and the amount of compensation are proportional.

The second is the scope of compensation, although some critical illness insurance includes three types of diseases: critical illness, moderate illness and mild illness, but there are certain requirements for these three diseases, such as only 30 kinds of critical illness, which means that the protection of this insurance is not comprehensive enough, once diagnosed with 30 kinds of critical illnesses other than critical illness, you will not be able to get a penny of compensation. In other words, some insurance only covers critical illnesses and does not cover moderate and minor illnesses, and this kind of insurance should not be considered.

The last thing we need to consider is the premium and the number of years of payment, for example, AIA's critical illness insurance coverage is very comprehensive, not only covering all illnesses, but also being able to make two or three claims. However, the premium of AIA critical illness insurance is usually higher, because the insurance company itself is an insurance for high-end people, and ordinary families may not be able to bear such high premiums. Therefore, we need to combine our own financial situation and real situation to choose an insurance that is really suitable for us.

There is no such thing as the best insurance product, only the one that suits you best. When applying for insurance, you should choose the right insurance product and the right amount of insurance according to your own needs.

You should choose Pacific Insurance, which is a very good insurance company, and the annual sales volume of this insurance company can be said to be very high.

Personally, I think Ping An Insurance is the best because this insurance company has a wide range of insurance coverage and low premiums.

Chinese Life's critical illness insurance is still better, because Chinese Life's service concept is still relatively advanced.

How to buy the best critical illness insurance? Which company's products are better for critical illness insurance? I am an insurance broker who specializes in insurance services! Help you shop around and buy the right insurance

Which of the 4 most cost-effective critical illness insurance policies should I choose?

Sycamore Tree Insurance Network helps you answer your questions

When considering the cost performance of insurance products, if it is measured only by whether it is cheaper or not, it is easy to lead to wrong judgments. **It cannot be used as the only reference criterion when choosing a product, and the evaluation of an insurance product should start from many aspects, such as consumption or return, the length of the protection period, the scope of coverage, whether it can resist inflation, etc., when studying the cost performance of a critical illness insurance product, it is necessary to consider all aspects.

In addition to **, people are often most concerned about the scope of coverage. Some critical illness plans cover dozens of illnesses, while others cover more than 100. In fact, general critical illness insurance products basically cover 98% of common critical illnesses.

Therefore, it does not mean that the more diseases covered, the more cost-effective. On the basis of the protection of 6 basic critical illnesses and some common critical illnesses, we can focus on whether some high-incidence minor illnesses are insurable, such as acute myocardial infarction and minor stroke.

There is also a lot of controversy about the sum insured of critical illness insurance. With the rapid medical expenses**, and taking into account the loss of work income caused by critical illness, the insured amount of critical illness insurance should be conservatively above 500,000 yuan, and the insured's 5-year income and expenditure should be used as a reference to adjust appropriately.

The choice of all insurance products should be based on their own needs, and what suits them is good, and comprehensive and meticulous consideration can better play the protection function of critical illness insurance.

In terms of choosing the type of critical illness insurance, there is no limit to which type of critical illness insurance is better, or the cost performance is higher, and it is necessary to analyze the needs and financial situation of consumers in order to choose critical illness insurance that meets their own situation.

Generally speaking, if you are a young person with an average economic level, China Merchants Cigna recommends choosing consumer-based critical illness insurance, which has low premiums and provides the same protection, and is more cost-effective. However, there is a disadvantage of consumer-based critical illness insurance, the higher the age of the insured, the higher the premium, and the premium will be inverted in the later stage.

For middle-aged people who have reached the age of 40, it is recommended to choose return-type critical illness insurance, although its premium level is higher, but it can provide protection for a longer period of time. If the insured does not have an insured event during the insurance period, he or she can also receive a refund of the insurance money from the insurance company.

So, there will be different options for different groups of people, and you can choose according to your situation.

Critical illness insurance options.

1. Low-profile version: pure critical illness.

2. Basic class: critical illness + mild illness.

3. Standard version: critical illness + mild illness + moderate disease.

4. Advanced version: Critical illness + mild illness + moderate illness + death.

5. Deluxe Edition: Critical Illness + Mild Illness + Moderate Illness + Death + Cancer Multiple Times.

6. Top version: Critical illness + mild illness + moderate illness + death + cancer multiple times + critical illness multiple times.

Case 1: Low-spec version.

For families with a limited budget or families who don't want to spend too much on insurance, they can choose to purchase a low-profile version of the insurance, that is, as long as the protection of the highest risk critical illness is enough, which not only has the premium cheap, but also has resisted the highest cost of critical illness.

There are many products on the market that only protect critical illnesses, 30 years of insurance at the age of 30, the annual premium of 500,000 yuan is only one or two thousand, if you suffer from the critical illness agreed in the contract before the age of 60, you can get a one-time critical illness claim of 500,000 yuan. For people who just need it, it is the best choice.

Case 2: Standard Edition.

For those who are more financially affluent, they may feel that critical illness protection alone is far from enough, so you can consider critical illness insurance products with moderate and mild illness protection.

With today's medical technology and people's attention to physical health, many diseases are discovered at an early stage, at this time, if you do not meet the claim standard of critical illness insurance, it is likely that you will not be able to make a claim, but if you have the protection of mild and moderate illness, you may be able to make a claim.

This kind of insurance on the market, for 30-year-old women, the sum insured of 500,000 yuan is guaranteed to the age of 70, and the annual insurance amount is about 3,000 yuan, which can be said to be relatively comprehensive.

Case 3: Top-of-the-line version.

For friends with sufficient budget, of course, if you want to have the best and most comprehensive protection, then you can choose the top version of the critical illness insurance product with critical illness + mild illness + moderate illness + death + cancer multiple times + critical illness multiple times.

This type of product can be paid for mild illness, if you have a moderate illness later, if you have a serious illness, you can also pay for it, and you can also pay if you die. If you buy this type of insurance, you don't have to worry about the financial loss caused by multiple critical illnesses, although the premium will be a little more expensive, but it can be considered for families with sufficient finance.

To sum up: if the budget is very limited, then as long as you consider pure critical illness, pure critical illness because it only protects critical illness, ** the lowest, but if you get a critical illness claim, it is already a very qualified critical illness insurance. If you think it's enough, then you can consider the standard version of critical illness + mild illness + moderate disease, and if you plan reasonably, you can buy an insurance amount of 500,000 yuan for two or three thousand yuan.

If the budget is sufficient, then the advanced version of the luxury version of the top version can be considered, although it will be more expensive, but the protection is more comprehensive.