Price list of critical illness insurance, how much is the annual premium of critical illness insuran

Critical illness insurance is classified into single claim critical illness insurance and multiple claim critical illness insurance.

In terms of premiums, multiple claims for critical illness insurance are more expensive than single claims for critical illness insurance, after all, critical illness can be paid multiple times.

If you want to choose multiple claims for critical illness and want the death benefit amount, then the annual premium is not necessarily tens of thousands of yuan;

If you only want basic serious illness protection, and the requirements for the sum insured are not particularly high, it may be solved for thousands of dollars.

Cost-effective critical illness insurance has these:"The list of critical illness insurance in July is released, which one is the choice in your heart?" 》

Everyone's needs for insurance are different, and today Dad will take you to solve the problem of "how much does critical illness insurance pay a year?" Which is better? ”

Let's take a look at multiple claims for critical illness insurance

l Cindat Life Perfect Life Guardian Hero Edition

l Sun Life Everbright Jiaduobao

l Hongkang Life Insurance doubled

l Centennial Life Super Protection

l Ruihua Insurance

l Kunlun Health Guardian No. 3

l Fosun and Beijixing

Single claim critical illness protection for life, 500,000 sum insured, 20 years of payment, annual payment ** in the range of 11,000 to 15,000, let's take a look at how to choose these products:

Let's start with the conclusion: if you pursue cost-effective: Xintai Ruyi Life Guardian Hero Edition.

It contains 3 claims for children's special diseases and early-stage cancers, and the insurance amount for mild to moderate diseases is also very high, and the protection is very sufficient.

If you are pursuing a critical illness and do not group it: Guardian No. 3.

Among the products that are not grouped for critical illness, the rate is the lowest, and 150% of the sum insured can be paid for the first 15 years of critical illness, and 120% of the sum insured can be paid for the second critical illness.

If you have a need for protection for cancer, cardiovascular and cerebrovascular diseases: Bejia Lebao.

Both of these illnesses can be covered twice, and organ transplants are also covered.

You can't buy critical illness insurance because the premium is cheap, it's best to be suitable for yourself, and the correct insurance posture is here:"The correct posture for insurance will teach you how to apply for insurance in a few minutes! 》

Critical illness insurance is often the type of insurance that Xiaobai first learned about when he first bought commercial insurance, so how much do you know about critical illness insurance? Based on years of experience in insurance consulting, Daddy briefly summarized the following points:

Critical illness insurance is also known as critical illness insurance, and its protection is simply to get a critical illness stipulated in the contract. For example, cancer, cardiovascular and cerebrovascular diseases, strokes and other diseases, the insurance company will directly pay the compensation agreed in the contract. Many people confuse critical illness insurance with medical insurance, but critical illness insurance is a benefit-based insurance.

Medical insurance is a reimbursement type of insurance, which is based on the actual medical expenses of the insured person. This probability is very high, and if you suffer from a major illness, not only the cost of ** is very huge, but also the ** fee, nutrition fee and lost work fee in the later stage are a lot of expenses. Therefore, the role of critical illness insurance is very large, and correspondingly, TA is also the most complex.

On March 31, the Insurance Association of China (IAC) officially released the Revised Specification for the Use of Disease Definitions in Critical Illness Insurance (Draft for Comments) (hereinafter referred to as the "Revised Specification"), which sets out the latest specifications and requirements for the definition of critical illness insurance. So in order to make everyone see it more intuitively, Daddy made the following **:

Comparison before and after the revision of critical illness.

If you want to know more about the coverage of critical illness, it is recommended to read this article "Only 20% of thyroid cancer becomes mild"? There is a major change in the definition of critical illness!

The coverage of critical illness insurance is different for different products of each company, and sometimes it is not the more expensive the better, but it is necessary to combine their own occupation and living habits, and choose the right product according to their budget. Daddy recommends reading this article to learn about some common critical illness insurance tables. >> critical illness insurance** table, which critical illness insurance is the cheapest.

Critical illness insurance covers critical illnesses, but cannot cover minor illnesses and chronic diseases that are usually encountered, so on the premise of purchasing critical illness insurance, long-term medical insurance is still required to provide more comprehensive and peace of mind.

Even if it isThe same critical illness insurance, causeYears of CoveragePayment deadlineInsuredofSexAgeand so on, ** will be different. But it is also said that critical illness insurance must be bought as early as possible, if you want to know what good critical illness insurance products are currently available, you can take a look at this article:Top 10 Popular Critical Illness Insurance Points Worth Buying!

Of course, when buying critical illness insurance, you should also pay attention to:

>> 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 thisThe 25 standard critical illnesses have accounted for about 95% of the incidence of critical illnesses, the additional disease species has little effect on the incidence.

>> number of payouts

Many people think that the number of claims for critical illness must be as much as possible, but in fact, you are underestimating the influence of critical illness, a critical illness actually causes a lot of 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 is only 10%.

Having a serious illness is equivalent to exploding a nuclear bomb in our body, and half of our lives are gone, let alone being sick many times.

Of course, if you have questions about multiple payouts and single payouts, you can check out the following article. Is the critical illness insurance worth paying multiple claims? It turns out that we were all deceived!

>> sum insured

At present, the average cost of a serious illness is 300,000, but illness will also cause other losses, so the insurance amount for critical illness should be at least 500,000.

>> return insurance

We are all afraid of getting sick, but we feel a huge loss when we buy insurance and don't have insurance. So, if I don't get sick, can I get the money back to us? Otherwise, it will be wasted, so many people like to choose return-based critical illness insurance.

However, the return-type critical illness insurance is half as high as that of the non-returnable one. And there is an age setting for the return, such as 80 years old. If you have a serious illness before the age of 80, the insurance company will directly pay the claim, and the rice will be returned.

exo me, pay half more money every year, and get the same claim in the end! Hope!

Different critical illness insurance is different, and even if you buy the same product, different people buy it, it will be different, because critical illness insurance is related to a variety of factors.

The main influencing factors are as follows:

1. The longer the insurance period, the shorter the payment period, and the more expensive it is.

The older you get, the higher the probability of getting a critical illness, so the longer you are covered, the more expensive the insurance company will charge.

The shorter the payment period chosen, the higher the premium per installment**. It's like when we go to buy a house loan, some people choose to pay in 20 years, and some people choose to pay it in 30 years, and it is definitely more expensive to choose each installment of 20 years.

2. The more protection, the more expensive.

For example, if you add death benefit or cancer secondary benefit, it will definitely be more expensive than not attaching these responsibilities, after all, you buy more things, and ** will go up.

3. The older you are, the more expensive the premium.

The older the person, the higher the prevalence of critical illness, and the greater the risk borne by the insurance company, so the more expensive the premium.

4. Other costs and profits will also affect.

Insurance companies open their doors to do business, the higher the operating cost, and the more expensive the product can be.

Critical illness insurance has many protection responsibilities, the most basic of which is critical illness protection.

There are also protection responsibilities such as the term of coverage, death liability, mild and moderate illness liability, multiple claims liability, and premium waiver liability.

On the one hand, the combination of different protection responsibilities corresponds to different critical illness insurance**, that is to say, the more protection, the more expensive**.

On the other hand, critical illness insurance products with similar protection responsibilities will also have a certain gap due to different insurance companies and other reasons**.

In addition, the protection responsibility is the same, and people of different ages and physical conditions buy it, and the corresponding ** is not the same.

Therefore, it is not possible to give a very exact ****, and the ** of critical illness insurance should be decided according to the actual situation of the person and the combination of protection responsibilities.

At present, domestic critical illness insurance is supplemented on the basis of whole life insurance.

The subject matter of critical illness insurance is the health of the person.

Whole life insurance is the subject matter of human life (life or death).

There is a difference in the insurance benefits of these two. The conditions for contract termination are also different, critical illness is terminated when you suffer from a critical illness stipulated in the contract, and life insurance is terminated at the end of a person's life.

Therefore, the current whole life critical illness insurance is paid for death or illness.

Hope it helps, there are other related questions you can contact.

Generally speaking, the annual premium of critical illness insurance is about a few thousand yuan or tens of thousands, and the specific amount of money still needs to be judged according to the actual situation. Because the premium of critical illness insurance is related to the content of the benefit added, the sum insured selected, or the payment method chosen, etc., the exact amount cannot be given at this time.

Before starting, in order to let friends know more about critical illness insurance, senior sister recommends that you take a look at this article first:Which is the best critical illness insurance, how to buy it cost-effectively, and teach you to avoid these pitfalls of insurance

At this time, some friends may ask, in the face of so many critical illness insurance products, how should we buy a more cost-effective loss? The following senior sister summarized a few points, and those who need to take notes.

The first is to choose a critical illness insurance product with a long payment period as much as possible.

I believe that those who have learned about insurance products should know that critical illness insurance will be slightly more expensive than other insurance products, and if you want to pay more cost-effective premiums, Senior Sister recommends that you try to choose a long payment period.

Under the same conditions, the longer the payment period, the smaller the annual premium, which can also reduce the financial burden of consumers to a certain extent.

Second, the sooner you buy critical illness insurance, the more cost-effective it is.

With the continuous growth of age, the physical function is also slowly declining, and if you only consider buying critical illness insurance products at this time, you may be more restricted, even if you can successfully apply for insurance, the ** of critical illness insurance will be much higher, so it is recommended that you try to take advantage of your health, the sooner you buy critical illness insurance, the better.

Hope!

There is uncertainty about how much critical illness insurance costs for a year, and the premium depends on the age and sum insured of the insured.

The duration of coverage is related to the protection liability chosen.

Although the premiums are different in different situations, Daddy has been using the more popular critical illness insurance recently.

For example, let's briefly analyze critical illness insurance.

How much money is needed per year.

1.Good value for money.

The cheapest premium is Super Mario (national version), 30-year-old women only need to pay 2,345 yuan per year, and they can enjoy 500,000 insurance for 30 consecutive years, and they can be insured until the age of 70.

The more expensive premium is Kanghuibao, 30-year-old men need to pay 6,175 yuan per year, you can get 500,000 sum insured, lifelong protection, because this product has additional compensation for critical illness before the age of 60, so it is normal to be a little higher.

2.Emphasis on comprehensive protection.

Taking a 30-year-old man, 400,000 yuan insured, 20-year payment, lifelong insurance, and death, the premium is 9,736 yuan, and the premium for a 30-year-old woman is 8,780 yuan.

The cheaper premium is the Super Mario 3

The same condition is 8,920 yuan for a 30-year-old man, and 8,084 yuan for a 30-year-old woman.

The premium of critical illness insurance is relative to the accident insurance of tens or hundreds of dollars.

It's still a bit expensive, but from the perspective of critical illness protection provided by critical illness insurance, it's worth the premium.

Critical illness insurance, also known as critical illness insurance, is a sum of money to "recuperate" in the unfortunate event of a critical illness.

For most major diseases, the average cost is about 20 to 300,000 yuan, but it will take 3 to 5 years after that, and the recuperation, nursing and supplements used will probably cost about 10 to 200,000 yuan. During this period when there is no income from work due to a critical illness, the family's living expenses, children's education expenses, etc., all need to be compensated by the benefits of critical illness insurance. In order to prevent the living standard of the whole family from dropping significantly due to a family member's critical illness, the sum insured of critical illness insurance must be sufficient.

Critical illness insurance sum insured = **expense + **expense + loss of income.

If you don't know so much about insurance, it is recommended that you contact a professional insurance broker to plan an insurance plan for you, and we will choose the insurance products available on the market for you from the perspective of an independent and impartial third party.

Intelligently calculate the protection plan that suits you