What is the upper limit age of Chinese Shou Guoshou Fu

"Comparison Table of 136 Popular Critical Illness Insurance in China".

There are multiple versions of Guoshoufu, and the age limit for the policyholder is different. Do you want to know more about the age regulations of the policyholders in each version of China Life Fu? Please read on

The National Life Blessing Collection Edition is the latest version of the National Life Blessing, and I have compiled more exciting content of this product in this article:"How about Chinese Shou [Guoshou Fu], is it good, is it worth buying? 》

Look at the comparison! The National Life Blessing Premium Edition is excellent

From the figure, we can see that compared with the previous two editions of Guoshoufu, it has the following differences.

1.Critical illness

The number of critical illness protection diseases in the National Life Welfare Premium Edition has increased from the original 80 to 100, which is not outstanding, after all, the previous China Life Welfare Premium Edition was also 100. Not to mention, the 20 additional critical illnesses are not high-incidence critical illnesses. So, the upgrade in this area is more average.

2.In terms of mild symptoms

(1) The number of claims for minor illnesses has increased. The number of claims for mild illness is 2 times more than that of the old version, and there is no interval between payments.

(2) A wide range of minor illness coverage. It is a pity that the high-incidence mild diseases such as minor cerebral stroke and coronary intervention are covered, and the disease of kidney failure is not covered.

The above content is the highlight of the National Life Blessing Edition, but it has some points to pay attention to.

For example, the proportion of claims for mild illnesses is low.

The compensation ratio for mild illness of the National Life Blessing Premium Edition is the same as that of the previous two editions, but compared with the compensation ratio of 25%-30% for most minor illnesses on the market, it is not good enough.

That's all for me, hope!

Hello, I can now reach the age of 60, but China Life Critical Illness Insurance does not have a liability for minor illness, which is a big failure.

At present, it is 55, and if it is open to single delivery, it will be 60 in the future

There are three versions of Guoshoufu, there are lifetime versions, regular editions, and children's versions, who do you want to insure,

China Life Blessing: (50 + 30 critical illnesses + 10 + 10 minor illnesses Lifetime protection.)

Guoshou Fu Supreme Edition.

1. Mild illness is exempted.

2. There are many diseases.

Children's national life blessing, 125 diseases + 660,000 protection!

Comprehensive: Ultra-comprehensive coverage for up to 125 illnesses. It includes 80 Critical Illness Benefit + 30 Specific Illness Benefit + 15 Juvenile Illnesses.

Waive: If the insured suffers from 30 specific illnesses or 15 juvenile illnesses during the premium payment period, the outstanding premium will be waived and other benefits can still be enjoyed. Fee:

The market is super cost-effective! The same premium, double protection for children, illness and accident are all covered.

China Life is another type of insurance that benefits the people, which is worth having.

This product is good, you can also compare a few more to see which one is more suitable for you.

It is a new type of insurance with very comprehensive protection that is on sale today, plus my private chat.

。When it comes to national life, many people will say that it is produced by a large company, and you can choose it! But behind its high popularity, there is endless controversy Recently, I also heard that Guoshoufu has been upgraded, so as soon as the product was launched, I evaluated it, and finally concluded that I do not recommend buying, and the main reason why I do not recommend buying Guoshoufu is written in my evaluation article:

An article to help you understand this upgrade of Guoshoufu? Let me briefly talk about what terms have been improved after the upgraded China Life Blessing Edition, and whether the changed terms and conditions are worthy of consumers' favor?

1. What are the changes in the content of the upgraded China Life Blessing?

Let's take the China Life Blessing Premium Edition, the China Life Blessing Supreme Edition and the China Life Fortune Premium Edition to see what new changes are made in this update:

Direct conclusion: There are two main changes in the content: The number of minor illness claims has been increased, and the number of critical illnesses covered has also been enriched.

2. Is it worth buying the National Life Blessing Edition?

Although the three minor illness claims are the biggest highlight of the updated China Life Fu, it is relatively sincere, but after all, it is a large company, and the advertising cost required by the product is not a small amount, ** is not low, for friends who do not have a lot of budget when buying insurance, take a look at other products, the premium of China Life Fu is too high.

I compared the hot-selling critical illness insurance products of large companies in the market in 2020, and there are too many key points, I will put out the condensed version of the content, you can check out this articleThe most complete collection: Top 10 popular critical illness insurance products in 2020！It is recommended to take a look to understand what are the mainstream critical illness insurance products on the market.

1. China Life Welfare is a health insurance that protects against serious illnesses. It is recommended not to surrender the policy.

2. If you really want to refund, look at the cash value table in the contract, you can calculate the money refunded, and you can also call **95519 to ask the amount of surrender.

A 30-year-old male applies for China Life Insurance, with an insured amount of 300,000 yuan, an additional China Life Welfare early payment of critical illness (celebration version) with an insurance amount of 300,000 yuan, and an additional minor illness exemption and critical illness exemption for the insured, with an annual premium of 19 years, and a lifetime insurance. The most complete analysis of Chinese Shou Guo Shou Fu, this article is very good, it is recommended to read "How about Guo Shou Fu? Is it worth buying?

Advantages and disadvantages of the National Life Blessing Edition".

There are many hot-selling critical illness insurance products on the market, some of which are guaranteed at the age of 70 or 80, some for life, and some for death.

Considering that these two types of critical illness insurance are the type that guarantees life, for the sake of fairness, Daddy chose some lifelong critical illness insurance to compare with it.

It can be seen that the critical illness insurance of Chinese Life, whether it is China Life Fu or Corning, is much inferior to other critical illness insurance on the market, both in terms of protection content and annual premium.

In terms of critical illness protection, it is not as high as others;

In terms of other guarantees, it is not as complete as others;

When it comes to annual premiums, it's not as affordable as any other.

The other critical illness insurance products above are actually very comprehensive and cost-effective critical illness insurance products, so what's so good about them?

There is no shortage of cost-effective critical illness insurance on the market, and less than 10,000 yuan can leverage a high sum insured.

The above are some of the more cost-effective critical illness insurances on the market, the first 4 are single claims, and the last 2 are multiple claims.

It can be seen that their critical illness insurance amount is basically more than 100%, that is, if you buy 500,000 sum insured, then once you suffer from critical illness, the compensation is more than 500,000.

With so many critical illness insurances above, how should you choose?

Straight to the conclusion:

If the policyholder is a woman, you can consider Xintai Super Mario Critical Illness Insurance No. 2.

If the policyholder is a man, pay attention to the cost performance: you can consider Guofu Jiahebao.

Its basic coverage is also well done, and the rates for men are very favorable.

If you need death protection: you can consider Hengqin Worry-Free Life 2020.

If you are looking for a well-protected and inexpensive critical illness insurance, it is recommended that you take a look at the mainstream critical illness insurance sold on the Internet, such as the aforementioned Genor Insurance.

But if you prefer big brand products and have a sufficient budget, the National Life Celebration Edition has better and cheaper protection than Ping An and Pacific critical illness insurance, and it is cost-effective to buy it.

Good products can be chatted privately if needed.

Give me a private chat! New China Life Insurance Company.

Summary. Hello dear! The age of application is: 18-60 years old.

Hello dear! The age of application is: 18-60 years old.

The 120 types of critical illnesses are divided into 6 groups for payment, and each group of critical illnesses is limited to 1 time for each group of critical illnesses, with an interval of 1 year each time, and up to 6 critical illness insurance benefits can be paid before the age of 88. China Life's Happiness series of insurance products can help the insured to receive financial compensation when the risk of illness comes. For example, a 40-year-old man who pays for 19 years and has a basic insurance amount of 100,000 yuan only needs to pay 3,810 yuan per year, and can receive up to 6 critical illness insurance benefits before the age of 88.

If the insured suffers from a critical illness (regardless of one or more) referred to in the main insurance for the first time due to accidental injury or after 180 days from the date of contract employment and dust effectiveness (or final reinstatement), the company shall be exempted from the current premium payable of the main insurance on the payment date of each policy year of the main insurance from the date of the insured's diagnosis of the critical illness, so as to relieve the customer from the pressure of paying the premium. The main insurance contract is still extended, and the insured will continue to enjoy the second to sixth critical illness protection until the age of 88, sending love and comfort to individuals and their families, and continuing to care for them.

Summary. Chinese Life Guoshou Fu Life is a whole life insurance product, which is issued by Chinese Life Insurance Co., Ltd., aiming to provide customers with the most comprehensive and safest lifelong protection, so that customers can feel at ease and healthy for their families. The product provides lifelong protection, including critical illness benefit, death benefit, fringe benefits, etc., during the insurance period, making it easier for customers and families to enjoy a better life.

In addition, the premium preferential policy provided by the product makes customer protection more attractive, and the policyholder can pay monthly, quarterly, semi-annually or annually, making the premium payment more flexible. In short, Chinese Life Guoshou Fu Lifetime can meet the different types of protection needs of customers, and Chinese Life Guoshou Life.

I would like to inquire about insurance.

Are you there. Chinese Life Guoshou Fu Life is a whole life insurance product, which is issued by Chinese Life Insurance Co., Ltd., aiming to provide customers with the most comprehensive and safest lifelong protection, so that customers can feel at ease and healthy for their families. The product provides lifelong protection, and you can enjoy a variety of protection contents including critical illness benefit, death benefit, fringe benefits, etc., during the insurance period, so that customers and families can enjoy a better life more easily.

In addition, the premium preferential policy provided by the product makes customer protection more attractive, and the policyholder can pay monthly, quarterly, semi-annual or annually, making the premium payment more flexible. In short, Chinese Life Guoshou Fu can meet the different types of protection needs of customers for life, and I bought this.

This is only stated in the relevant contract, and most of the people's words are reflected in the contract.

I just wanted to ask if I can take it in 20 years.

Of course, no problem.

In general, if you want to cancel after 20 years, you can do it, but you can see it according to your actual needs.

After 20 years, it can be taken.

Summary. Hello, it is a pleasure to serve you. There are three kinds of Chinese Shouguo Shoufu.

The China Life Fortune series products can be divided into three series of guarantees, namely: China Life Fortune Supreme Edition, China Life Blessing Premium Edition and China Life Fortune Ultimate Edition.

There are several kinds of Chinese Shouguo Shoufu.

Hello, it is a pleasure to serve you. There are three kinds of Chinese Shouguo Shoufu. The China Life Fortune series products can be divided into three series of guarantees, namely: China Life Fortune Supreme Edition, China Life Blessing Premium Edition and China Life Fortune Ultimate Edition.

No matter which version of the China Life Welfare product is, the essence of its insurance is the same, which belongs to a composite insurance portfolio. The main insurance is whole life insurance, and the rider insurance is critical illness insurance.

Summary. Kiss, a high-quality critical illness insurance, must have these characteristics: 1. Mild illness protection is particularly good:

Remember, it's not that the more minor illnesses you have, the better, but that you must cover 11 high-incidence mild illnesses with a payout ratio of 30% or more. 2. High compensation ratio for moderate illness: The compensation ratio of general critical illness insurance is:

Mild, moderate, and severe. High-quality critical illness insurance, the compensation ratio of moderate illness can reach 60%. If it is particularly good, you can also pay an additional 30%, for a total of 90% of the sum insured.

3. High amount of critical illness claim: High-quality critical illness insurance will add additional compensation to the basic sum insured, such as 80% if you suffer from a critical illness before the age of 60. That is, if you have a critical illness before the age of 60, a total of 180% of the sum insured will be paid!

4. Multiple claims are not grouped: Critical illness insurance is divided into single claims and multiple claims, and if it is a high-quality multiple claims type critical illness insurance, it is usually necessary to achieve no grouping of critical illnesses. 5. Short interval between secondary claims for cancer and cardiovascular and cerebrovascular diseases

You must know that the insurance company will not pay for the onset of the disease at intervals. Cancer is predisposed**, so the shorter the interval, the better it is for the consumer!

Chinese Shou Guo Shou Fu.

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Chinese Life Guoshou Fu, dear relatives, Chinese Life Guoshou Fu is critical illness insurance, the composition of critical illness insurance is critical illness + moderate illness + mild disease + cancer secondary compensation + cardiovascular and cerebrovascular disease secondary compensation + death Total disability These benefits are combined. <>

A high-quality critical illness insurance must have these characteristics: 1. Mild illness protection is particularly good: Remember, it is not that the more mild illnesses are covered, the better, but that 11 high-incidence mild illnesses must be covered, and the compensation ratio reaches 30% or more.

2. High compensation ratio for moderate illness: In terms of the compensation ratio of general critical illness insurance, the compensation ratio is: mild disease, moderate illness and critical illness.

High-quality critical illness insurance, the compensation ratio of moderate illness can reach 60%. If it is particularly good, you can also pay an additional 30%, for a total of 90% of the sum insured. 3. High insured amount of critical illness claims

High-quality critical illness insurance will add an additional benefit to the basic sum assured, such as an additional 80% for a critical illness before the age of 60. That is, if you have a critical illness before the age of 60, a total of 180% of the sum insured will be paid! 4. Multiple claims are not grouped

Critical illness insurance is divided into single claim and multiple claim, and if it is a high-quality multi-claim type critical illness insurance, it is usually necessary to ensure that the critical illness is not grouped. 5. Short interval between secondary claims for cancer and cardiovascular and cerebrovascular diseases: It is important to know that the insurance company will not pay for the onset of the interval of onset.

Cancer is predisposed**, so the shorter the interval, the better it is for the consumer!