Does Darwin Critical Illness Insurance No. 2 have cancer coverage?

Yes, this critical illness insurance is covered by cancer, and it can be supplemented with a second claim for cancer.

Darwin No. 2 Critical Illness Insurance is a single-claim critical illness insurance with 150% critical illness compensation before the age of 60, 120% optional secondary compensation for cancer, and optional death liability before the age of 60. The highlight is that the compensation ratio is high, and the product structure can choose consumption or savings.

Let's take a look at the warranty content of this product first:

Darwin No. 2, like the current popular products, has a core benefit of critical illness + moderate illness + mild illness + optional cancer secondary protection.

The best thing about Darwin 2 is:The payout ratio is high.

120 types of critical illnesses will be paid once, and 100% of the sum insured will be paid each time.

If the insurance is released before the age of 60, an additional 50% of the sum insured will be paid for critical illness, for a total of 150% of the sum insured.

20 kinds of moderate illness compensation 2 times, each claim pays 60% of the sum insured.

50 minor illnesses will be paid 3 times, and 40% of the sum insured will be paid each time.

Optional Cancer 2 Claims Benefit, i.e. Cancer can be paid 2 times.

Summary:If you have a critical illness before the age of 60, Darwin No. 2 can pay an additional 50% of the sum insured, and most of the other products are now 10-15 years before the insurance, so that the probability of additional compensation will be smaller, and the proportion of compensation for moderate and mild diseases is high, and the underwriting is relatively relaxed, which is the highlight of this product upgrade.

As we all know, malignant tumors are currently a high-incidence critical illness, and in order to provide the insured with more comprehensive protection for malignant tumors, Darwin No. 2 Critical Illness Insurance can choose the malignant tumor care insurance benefit. After the insured attaches this liability, 120% of the basic sum insured will be paid for the second time for malignant tumors. The interval between non-malignant tumors and malignant tumors is only 180 days, and the interval between malignant tumors and malignant tumors is 3 years.

The second malignancy includes the following:1) de novo malignancy unrelated to the first malignancy;

2) First malignant tumor**, metastasis;

3) Persistence of the first malignancy.

What's even more heartwarming is that after the additional benefit liability for malignant tumors, the insured person is entitled to a critical illness waiver.

Yes, Darwin No. 2 is a single-claim critical illness insurance product, whether the product is good or not, depends on the content of the protection:

1. Basic guarantee

Issue age: 0-55 years old.

Payment period: 5 10 15 20 30 years.

Waiting period: 90 days.

Critical illness benefit: 120 types, 1 claim; 150% of the sum insured for critical illness before the age of 60; Moderate illness protection: 20 kinds, not grouped, 2 times, 60%; Mild illness protection: 50 kinds, not grouped, 3 times, 40%; Death: Exclusion or Sum Insured.

Waiving: Subsequent unpaid premiums will be waived for critical illness, moderate illness and mild illness of the insured, and the protection will remain valid.

2. Optional protection

Malignant tumors are paid for the second time, and 120% of the sum insured will be paid for new, **, metastasized, and persistent cancer.

Total Disability Care Benefit: 20% of the sum insured per year, up to a maximum of 5 years.

Total Disability Death Benefit: Sum Insured

3. Highlight analysis

150% for critical illness before the age of 60, 120% for secondary cancer and flexible death liability.

4. Defect analysis

Judging from the above analysis, the Darwin No. 2 product guarantee content is more comprehensive, but we also know that there is no perfect product, each product must have advantages and disadvantages, and the shortcomings of the analysis will not put the specific content here, you can click on the original article to view:

> Darwin No. 2, a collection of hundreds of strengths, in order to stand outAlthough Darwin is about to stop selling, it is not recommended to buy blindly, but to combine your own actual situation to see if it is suitable!

Darwin 2 is a single claim product with 150% critical illness payout before the age of 60, 120% optional cancer second payout, and flexible death liability.

Let's take a look at the warranty content of this product first:

To summarize the highlights of this product:

Before the age of 60, an additional 50% of the sum insured will be paid, and the high amount will cover the young and middle-aged years;

The first payout for mild to moderate disease is very high, at 40% and 60% respectively;

The second claim for cancer is up to 120%, which is the best level in the market.

Recently, a lot of critical illness insurance has been issued, and in the view of the senior sister, it is always easy for latecomers to catch up, and it is more pleasing to increase the amount of compensation under the premise that the basic protection is not lacking or missing. Last year's Darwin No. 1 pioneered the concept of the evolution of the sum insured + cash value, and this year's Darwin Beyond, the mild, moderate and severe disease + cancer 2 claims are fixed as standard. When the room for innovation is getting smaller and smaller, latecomers can only increase and reduce prices in order to seize the initiative.

Darwin 2 did just that, and more thoroughly. 40% of the sum insured will be paid for 3 claims for mild illness and 60% of the sum insured for 2 claims for moderate illness, which is equivalent to changing the order of some conventional critical illness insurance (incremental claims) in the market, so that the first claim is directly in place. After all, the sooner you get the higher the payout, the more obvious the leverage of insurance will be.

So is this product good or not? Is it really as good as they advertise? In addition to this one, can you choose a product that is more suitable for you?

> Darwin No. 2, a collection of hundreds of strengths, in order to stand out

At best, any insurance can help people with any illness, or not at all!

1. Cancer, even if you are given 10 billion, you can't talk about "protection"! Let's ask ordinary people whose insurance may get "10 billion"?

2. Insurance is only a certain degree of financial help. But rich people don't care about that "amount of compensation"; People who don't have money are simply gambling their "life" and "death", and in the end they are only the tip of the iceberg of "death"!

Darwin No. 2 Critical Illness Insurance is consumer-based. Darwin No. 2 Critical Illness Insurance is an insurance product of Three Gorges Life. The warranty period is guaranteed at 70 years, 80 years or for life. The main envy cherry blossom coverage includes:

Serious illnesses can be compensated once, and the insured amount can be compensated. If the diagnosis is made before the age of 60, an additional 50% of the insurance amount can be paid;

For mild illness, it can be compensated 3 times, and the sum insured is 40% each time;

For moderate diseases, you can be compensated twice, with 60% of the sum insured each time;

4.Optional benefits, including death or total disability insurance, secondary cancer protection, and total disability insurance.

With the continuous improvement of everyone's insurance awareness, the willingness to allocate insurance for oneself has also become stronger, among which critical illness insurance is one of the more favored types of insurance. However, the insurance market is huge, and there are many insurance products, so what critical illness insurance should be purchased? Critical illness** is expensive, insurance to fill the gap, test your anti-risk index, and experts will interpret it for you for free!

Darwin No. 3 Critical Illness Insurance is an insurance product underwritten by Cindat Life, covering 110 critical illnesses, 25 moderate illnesses, and 50 mild illnesses, with the insured's waiver, and can also be supplemented with cancer secondary compensation, cardiovascular critical illness secondary compensation and policyholder waiver, with an underwriting age of 0-55 years old, a maximum payment period of 30 years, and a waiting period of 90 days.

Xintai Life Insurance Co., Ltd. is a national life insurance company approved by the China Insurance Regulatory Commission and registered on May 18, 2007, with a registered capital of 5 billion yuan. Darwin No. 3 Critical Illness Insurance is owned by Cindat Life, and the company's reported solvency for the third quarter of 2020 is good. From the perspective of the underwriting content and the insurance company, customers do not need to worry too much about whether Darwin No. 3 Critical Illness Insurance is reliable.

Extended information: 1. The company is headquartered in Hangzhou, Zhejiang, and can operate various life insurance (including various statutory insurance). At present, it has opened 18 branches in Zhejiang, Jiangsu, Beijing, Hebei, Fujian, Henan, Shandong, Heilongjiang, Liaoning, Shanghai, Hubei, Jiangxi, Xiamen, Guangdong, Ningbo, Qingdao, Shenzhen and other places.

The corporate governance structure is reasonable and standardized, in line with the requirements of the modern enterprise system.

2. Corporate Culture Corporate Mission Abide by financial services for the country and strive for the peace of the people Corporate Vision To become a leading healthy, standardized and dynamic financial holding group in China Corporate Values Integrity, Responsibility, Innovation and Sharing Management Philosophy Return to the origin of insurance protection and strengthen the road of value development Brand proposition Once you get married, you will keep your promise for the rest of your life Service Concept Professional, efficient, thoughtful and convenient Company Training Sincere and tolerant; Diligent and efficient, conscientious and self-disciplined; Collaboration & Sharing, Learning & Innovation; On November 8, 2019, the winners of the 14th China Insurance Innovation Award were announced, and Xintai Life Insurance Co., Ltd. won the 2019 Culture and Brand Award (the most growing insurance brand in 2019).

Darwin No. 1 Critical Illness Insurance is a subsidiary of Fosun United Health Insurance Co., Ltd., which is an insurance product jointly launched by Fosun that increases the amount of critical illness insurance immediately after a minor illness claim, that is, for each minor illness insurance benefit, the critical illness insurance amount increases by 10% of the basic sum assured, with a maximum increase of 30%.

Extended information] The insurance age of Darwin No. 1 Critical Illness Insurance is 30 days to 50 years old, the insured occupation is 1-4 categories, there are more choices of protection period and payment period, which can adapt to the choice of more people, the waiting period is 180 days, the maximum sum insured is 500,000, and the 80 kinds of critical illnesses covered are paid 1 time, and the basic sum insured is paid; There are 35 types of mild diseases, including 8 high-incidence mild diseases, with 3 claims and 25% of the basic sum insured each time; In the event of death before the age of 18, the premiums paid will be refunded; Death after the age of 18, the cash value of the claim, Darwin No. 1 currently only supports online insurance, and its health notice content is more, intelligent underwriting is very convenient, even if you can't buy it, it will not leave a record of rejection.

This is known as the "Critical Illness Insurance Evolutionary", which may be why it is named "Darwin", because its critical illness insurance amount is increased with the "number of minor illness claims", which is the biggest highlight of this product, before the age of 80, after obtaining a minor illness claim, and then suffering from a critical illness, the sum insured will increase by 10; Received two minor illness claims, increasing the critical illness sum insured by 20; Received 3 minor claims and increased the sum insured by 30.

The policyholder exemption and the insured exemption of Darwin No. 1 are all self-contained, without adding money, and the insured can be exempted if he is diagnosed with a mild illness, and the policyholder can be exempted from any of the four situations of mild illness, serious illness, death and disability, and the compensation for three minor illnesses can be waived, but the minor illness can be exempted, and the design is more humane.

Darwin No. 1 Critical Illness Insurance is a product of Fosun United Health Insurance Company, Darwin No. 1 Critical Illness Insurance is a single claim for critical illness, with multiple claims for minor illnesses and an increase in the amount of critical illness insurance after payment, the protection period can be flexibly selected, and the protection can be fixed or lifelong, and the flexible protection is very popular with the public. Or buy through a brokerage platform that works with an insurance company.