How about the insurance of the Bath Life

Bashi Life is a lifelong multiple compensation critical illness insurance launched by National Treasure Life, ** is relatively expensive, and the protection responsibility is missing, so it is not recommended to buy it personally. There is no basis for words, good products are compared, how is the specific life of Bashi, whether it is worth buying, or it is better to compare with the popular products on the market to know"."Comparison Table of 136 Popular Critical Illness Insurance in China".

Not much to say, on the product picture:

Let's explain why I say that Bars is not worth buying:

1.The grouping of serious diseases is unreasonable

There are 105 critical illnesses covered by Bass Life, which are divided into 5 groups. However, there is no separate group of malignant tumors with the highest prevalence, which reduces the probability of multiple claims for critical illness. Good critical illness insurance products generally group malignant tumors separately or even non-grouping.

2 Low payout rate for mild illness

The payout rate for mild illnesses is only 25%, which is lower than the market average of 30%. In addition, there are products on the market that can even reach 55% of the compensation rate for mild illness, and ** are cheaper, such as Super Mario 3 MAX. The same 30-year-old male is insured, with an insurance amount of 500,000 yuan, guaranteed for life, and paid for 20 years, the annual premium of Bashi Lifetime is 12,965 yuan, while the annual premium of Super Mario No. 3 MAX is 7,485 yuan, which is 42% cheaper.

There are many highlights of Super Mario 3 MAX, and friends who have a need for high insurance can refer to my previous evaluation"Product Evaluation丨Is Super Mario 3 MAX worth buying with an additional 80% payout for critical illness? 》

3.No Moderate Illness Benefit

Although there is not much difference between mild and moderate disease, the compensation ratio for moderate illness is much higher, and the compensation ratio for products with moderate illness liability on the market is generally 50%. This ** of Ba Shi's life, the lack of moderate disease protection, is really unreasonable.

In addition, there are also small shortcomings that are not so friendly to consumers, such as short payment period, inflexible choice of insurance period, narrow range of occupational restrictions, and very few branches. There are many cheapest and more comprehensive critical illness insurance products on the market to choose from, and you can refer to my article for specific product recommendations"Top 10 [Cost-effective] Popular Critical Illness Insurance Points Worth Buying! 》

It's barely okay, but there's a better million medical care on the market.

Many public and fierce traces have such insurance, medical concession insurance with a deductible of 10,000 yuan, paid for one year and guaranteed for one year, no refund or return. If you have critical illness insurance, you can make a slip and supplement medical treatment. If there is no critical illness, the deductible of 10,000 is actually quite a lot.

Health 100 is a product launched by Centennial Life Insurance to protect critical illnesses and take into account the pension, mainly five major protections, first, critical illness compensation service, second mild illness compensation service, third death compensation service, fourth, maturity sum insured return service, fifth, mild illness exemption service, as well as critical illness green pass special service, premium timely compensation service (which means that as long as you enter the hospital and get a diagnosis certificate, you can pay in time), and cover 70 kinds of critical illnesses, 30 kinds of minor diseases, worth 300,000 yuan, you can be insured until you are 70 years old, 80 years old, One hundred years old,

The British Aisheng Insurance is the only company that provides digital asset insurance services, and the long-term investment of Qiaowangsun is stable and filial piety, which is suitable for adult investment, as long as you invest a few years, you can enjoy the ideal state of life for a lifetime.

I know that this is a million-dollar medical insurance with a maximum reimbursement of millions per year, but there is no need for it. This product is average, and there are better products of the same type.

Ping An e-Life Insurance Plus is an upgraded version of Ping An e-Life Insurance, which increases health rewards under the premise that the premium does not change. So, what about increasing health rewards? According to the official, it is to encourage customers to complete their sports goals and obtain health rewards, which can be discounted by up to 50% of the renewal premium for the next year; Secondly, the introduction of domestic secondary diagnosis and treatment services, and strive to provide patients with the most suitable ** and care plan, which is the difference between Ping An e-life insurance and e-life insurance plus.

Access to medical treatment: Consumers who have purchased Ping An e-Life Insurance know that the insurance plan provides access to medical treatment, and as a version of eHealth Insurance Plus, it has made an optimization in this aspect, for example, once suffering from a disease, within 10 working days, the country's top hospitalization will be arranged for medical services.

Cancer can enjoy a second consultation: Once the insured person suffers from cancer, within 7 working days, the country's top doctors will be arranged to provide a second diagnosis and treatment opinion.

Ping An Health Insurance launched Ping An e-life insurance plus, you can buy it with or without social security, self-financed drugs and imported drugs are fully reimbursed, and you can enjoy 600w health protection from the first day, you can click to view for details to understand Ping An e-life insurance plus

Maternity insurance is paid for one year, which refers to the first payment --- when a child is born.

Maternity reimbursement is generally available for both men and women, and your colleague has two possibilities: 1. She has payment records from other units before, but she doesn't know it; 2. Reimbursement made by her husband's unit.

The time between payment and hospitalization for childbirth. It's not the time for you to be reimbursed.

Hello! 1. Xinyue Lifetime Annuity Insurance (Dividend) and Additional Xin Account (Superior Edition) Combination belongs to Chinese Life Insurance Co., Ltd. public products, which belongs to pension lifelong annuity insurance, with a predetermined interest rate: .

2. Insurance Liability During the insurance period of this contract, the company shall bear the following insurance liabilities: 1. Annuity From the corresponding date of the annual effective date of one policy year when this contract takes effect, if the insured survives to the corresponding date of the annual effective date of this contract, the company shall pay annuity according to the basic insurance amount every year. 2. Care Fund The insured survives to the date of receiving the care fund as agreed in this contract, and the company pays the care fund according to the insurance premium (excluding interest) paid in this contract.

3. Death Insurance Benefit If the insured dies from the effective date of this contract to the date of receipt of the care fund, this contract is terminated, and the company shall pay the death insurance benefit according to the greater of the following two values at the time of the insured's death:

1. Insurance premiums paid under this contract (without interest);

2 Cash value of this contract.

If the Insured dies within 20 policy years from the date of receiving the Care Payment, this contract shall be terminated, and the Company shall pay the Death Benefit at the time of the Insured's death, whichever is greater:

1. The difference between the total amount of annuity payable within 20 policy years from the date of receipt of the Care Benefit under this Contract and the annuity amount paid from the date of receipt of the Care Benefit under this Contract;

2 Cash value of this contract.

If the insured dies after the expiration of 20 policy years from the date of receiving the care payment, this contract is terminated, and the company shall not be liable to pay the death insurance benefit.

3. If you apply for insurance for the future retirement life, it is recommended to save some according to the family's financial situation.