New Critical Illness Insurance? Which is better than the old and new critical illness insurance?

In December 2006, Ping An Zhifu Whole Life Insurance (Universal, A B, 2004) won two awards in the "Most Influential Insurance Product in the Comprehensive Category" and "Best Financial Insurance Product" in the Individual Category in the "First Innovative Insurance Product Appraisal in China".

Ping An's Universal Insurance is an upgraded version of financial critical illness insurance. 400 yuan per month. 200,000 yuan.

1: High protection, the rate is 30% cheaper than that of peer insurance.

2: The payment is flexible, you can pay for 5 years, 10 years, and 15 years.

3: 30 types of critical diseases, 470 minor critical diseases, also protect death, lifelong.

4: All illnesses are covered after the age of 60.

5: Another *** interest, uncapped income.

6: And the interest is calculated on a daily basis, and the interest is rolled over by month.

7: Flexible to receive money, there are two free opportunities to receive it every year, and you can enjoy safe income.

8: Premium waiver function. (Unfortunately, if you have a critical illness and the insurance company loses money, you will be exempted from paying future insurance premiums, and the benefits of the insurance plan will remain unchanged!) )

Critical illness insurance is critical illness insurance, when the insured suffers from a critical illness covered by the insurance contract, the insurance company will compensate the insured for the medical expenses spent. Critical illness insurance is divided into consumption type and return type according to product type, and term type and lifetime type according to the protection period.

The old definition of critical illness insurance has been completely removed from the shelves on January 31, 2021, and it directly rushed to the hot search list on the same day, which can be regarded as a gorgeous exit.

After the old definition of critical illness insurance is removed from the shelves, everyone is worried about whether there is no good critical illness insurance to buy in the future, to know this answer, we need to understand the difference between the old and new definitions of critical illness insurance.

1.The new definition of critical illness is more diverse

In the old definition of critical illness, the CBIRC stipulated that critical illness insurance must include 25 critical illnesses, while the new critical illness regulations include severe chronic respiratory failure, severe Crohn's disease and severe ulcerative conjunctivitis, including 28 critical illnesses.

2.Expand the types of minor illnesses while limiting the payout ratio

The new definition stipulates that there are three types of minor illnesses that must be insured, while the old definition does not stipulate this, and focuses more on the protection of minor conditions of serious illnesses.

The new definition of critical illness requires that the compensation ratio for minor illnesses shall not exceed 30%, and the compensation ratio for minor illnesses shall be reduced.

3.The new definition is more scientific in the definition of disease, and the claim standard is more specific

The old definition confirmed malignancy mainly by pathological diagnosis, while the new definition is histopathological diagnosis and includes bone marrow pathology.

The old definition of major organ transplantation or hematopoietic stem cell transplantation did not include small bowel transplantation, while the new definition includes small bowel transplantation.

After the old definition of critical illness insurance is removed from the shelves, is there no good critical illness insurance?

The answer is no, from the perspective of regulations, the protection of the new definition of critical illness insurance will be more scientific and targeted, and in the near future, the new definition of critical illness insurance will also be put on the shelves one after another.

Product aside, let's look at the demand first. This includes health status, genetic history, and household income and expenditure, before moving on to product selection.

In fact, the old and new critical illness insurance is not really good? Both are good, but there may be a difference in premiums.

If you buy commercial medical insurance, which type of insurance is not good? Because there will be many conditions and restrictions when reimbursing, it is recommended to buy national medical insurance to get the most basic protection.

1.Critical illness insurance that will be discontinued

The top 5 products in the table are critical illness insurance that will be discontinued, and they are relatively good old definition critical illness insurance.

For example, Kunlun Health Insurance has comprehensive basic protection, and the optional responsibilities are also relatively rich, such as Ruitai Anxin Cancer Insurance, which is also relatively good in cancer prevention insurance.

Xintai Ruyi Ganlin will be removed from the shelves on January 5, 2021 to protect the 70-year-old version, and those who want to be insured should hurry up.

2.Critical illness insurance with adjusted sum assured

There are a lot of critical illness insurance products with the amount of insurance adjusted, and Mommy Baobei is more popular, let's take a look at its adjustment:

Mommy Baobei has gone through 3 insurance adjustments this year, up to now, the maximum insurance amount of this product can reach 800,000 yuan, if you want to give your child more powerful critical illness protection, you can consider this product.

3.Critical illness insurance with merit-based payouts

The above critical illness insurance products can be paid on the basis of merit, and there is no need to worry about the impact of claims after being insured.

The introduction of the new definition of critical illness has had a relatively large impact on the critical illness insurance market, and many Internet celebrity critical illness insurance companies have also adjusted the proportion and scope of claims.

If we want to buy the old definition of the product, we have to get on the bus quickly, otherwise we may not have the opportunity