Is it really reliable for me to buy Xinhua Fuxing 45 Critical Illness Insurance?

Xueba talks about insurance, focusing on insurance evaluation! I have sorted out some of the critical illness insurance policies of New China Insurance Company and compared them with other popular critical illness insurances"Comparison Table of 136 Popular Critical Illness Insurance in China".

The subject's question, 25 of the 45 major diseases are high-incidence critical illnesses that must be guaranteed by the state, and these 25 high-incidence critical illnesses cover more than 95% of the incidence rate of the Chinese people. So Xinhua Fuxing's 45 critical illness insurance is completely reliable!

Here are some information about Xinhua Insurance, to share with you to understand:

Xinhua is a veteran insurance company that has achieved good results in the 14th China Insurance Innovation Awards. The Company's main insurance business is life insurance, followed by life insurance business such as health insurance and annuity insurance.

The most important thing about the quality of a company is whether the products it sells are good or bad. The company's products are relatively high, except for a few products that are not worth buying, the others are OK. For example, the critical illness insurance promoted by his family - Health Carefree C1

As can be seen from the figure, the Healthy C1 has the following advantages:

1. Attractive additional compensation: If you are unfortunately diagnosed with a critical illness or die in the first ten years, you can get 20% of the sum insured.

2. Those who suffer from 6 specific diseases such as brain cancer, leukemia, pancreatic cancer, bone cancer, major organ transplantation or hematopoietic stem cell transplantation, and coronary artery bypass grafting can get 120% of the basic sum insured.

The disadvantages of this product are:

1. The content of the guarantee is average, but it is very high and not very cost-effective. With a premium of more than 10,000, you can buy a multi-claim critical illness insurance with more comprehensive protection.

2. A good critical illness insurance, the compensation amount for mild illness is at least 30%. With a premium of more than 10,000 yuan, only 20% of the claim amount for mild illness is bought, which is really not cost-effective.

If you need it, you can take a look.

That's what I have to say about this issue, and I hope it helps.

Yes! At the age of 66, you can also take out part of the cash value of the pension, the amount of insurance increases by 3% every year, and it is guaranteed for life, which is currently the best good product for health and pension! Sick and sick and sick for the elderly! Congratulations!

It depends on whether it meets your needs.

You only ask after you buy it, you should ask clearly before you buy it.

Difference 1: Fushou Ankang is a combination of Xinhua Furu Donghai Whole Life Insurance (participating) and additional Ankang Early Payment Critical Illness Insurance, while Health Fuxing Incremental Critical Illness Insurance is a separate critical illness insurance. At the same time, the main insurance of the former is a participating insurance, while the latter is a general insurance without dividends.

Difference 2: The basic sum insured of the additional critical illness of Fushou Ankang remains unchanged, and only the protection of the death and total disability of the main insurance Furu Donghai increases with the dividend of the sum insured; However, the terms of the Critical Illness Insurance provide for an annual increase of 3% of the first year of the Critical Illness Sum Assured and 1% of the First Year Sum Assured of the Death Sum Assured every year, so the two types of insurance plan are different in the way of increasing the Critical Illness Sum Assured.

Difference 3: Fushou Ankang's additional early payment critical illness insurance has an optional liability: if you choose optional liability, for the first time diagnosed with malignant tumors, in addition to the critical illness insurance benefit, 50% of the basic insurance amount of the main insurance contract will be paid to the cancer special care insurance benefit.

However, there is no such option for Health Fortune Booster Critical Illness Insurance.

Difference 4: There are 35 types of critical illness protection and 32 types of health and happiness.

Both of these insurances can meet your needs, and you can go to the official website to see the specific cases of both products:

Longevity and Health: Health Fortune Star:

Extended reading: [Insurance] How to buy, which is better, teach you to avoid insurance and dismantle the old ones"pits"

There are many types of critical illness insurance, and there are countless products. I'll first sort out the cheapest and cost-effective critical illness insurance on the market that I stayed up late last night, and I need to pick it up:Top 10 most cost-effective critical illness insurance points!

Health Fuxing Increment is an old product in 2014, which is an insured amount that increases with age, only covers critical illness and death, and has no mild illness, moderate illness and other protections, which is very single and has no obvious advantages compared to similar products in the current market.

There are shortcomings:1. Long waiting period: The waiting period is 1 year, which is longer than the vast majority of similar products on the market 2

Only protect against critical illness, death, no minor illness and other benefits3, low cost performance: with half or even less of the budget you can buy similar products with more comprehensive protection, but it doesn't matter if this product is good or bad, because it has been discontinued. At present, critical illness insurance is retiring from the old and introducing new products, and we should pay attention to the latest products on the market, which are relatively advanced in terms and protection.

Seven critical illness insurance points with advanced terms and the highest cost performance!

The above is my many years of experience in buying insurance, I hope it can help you.

Here are two more questions that must be asked! First, is it necessary to wait until the age of 66 to get the money after 20 years, and secondly, when the so-called insurance amount increases, the amount of compensation increases after the accident or the money received after the expiration increases? Thank you!

You can compare Taiping Life's welfare health critical illness insurance, which is enough to kill the health insurance in the market.

Hello, I am the financial advisor of New China Insurance, and I am a lifelong critical illness insurance company with increased amounts.

It is one of the new China Life insurance products, and it is true.

There are three questions that must be considered when buying insurance:

The first is to choose a company, which is different from company to company, just like when you deposit money in a bank, different banking services are also different.

Different industries have different emphasis on company requirements, and for insurance companies, it is easy for us people to understand, liability reserve is a very important indicator; The company's development history is also an important inspection indicator, 100 years old and a decades of companies are still very different, and the insurance company has a 25-year claim peak, so the company's development history is also one of the important indicators;

The second is to choose ** people, because ** people represent our interests and are equivalent to our insurance lawyers;

People are very important, and the industry is very mobile, so there is a certain difference between a senior insurance person and a beginner in terms of professionalism and responsibility. Senior people, due to the recognition of the industry, will continue to make correct recommendations in different periods of customers, so that customers have the best and most perfect protection in different periods and different states!

The third is the product. Then you have a good company and a good person to serve you, and you are still worried about not having a good product?

The product is just a tool to meet your requirements now. With a good company and people, a good product design will definitely meet your existing needs.

Hello! You can also learn more about the products of other insurance companies!

Hello, how can this insurance not be generalized, each insurance has its own value and significance, is not suitable for everyone, it is recommended that you still combine the actual situation of the individual to the insurance company and then combine the specific type of insurance to compare the choice, buy the right insurance is a good insurance, good luck.

New China Insurance's Healthy Fortune Star Incremental Whole Life Critical Illness Insurance is good, and the "Healthy Fortune Enhancement (2014) Critical Illness Insurance" covers 45 types of critical illnesses and is covered for life. Taking the sum insured of 100,000 yuan as an example, 1) suffering from critical illness: within one year, the premium paid is multiple; After one year, the basic sum assured will be paid of 100,000 yuan (1+3% of the entire year after the policy), that is, on the basis of 100,000 yuan, 3,000 yuan will be increased every year.

2) Death: within one year, before the age of 18, the actual insurance premium will be paid; After the age of 18, the premium is paid at the rate of the actual premium.

Due to an accident or one year later, before the age of 18, the greater of the cash value corresponding to the actual premium paid and the basic insurance amount;

After the age of 18, the basic sum assured will be paid of 100,000 yuan (1+3% of the entire year after the policy), that is, on the basis of 100,000 yuan, an increase of 3,000 yuan per year.

3) The insured is exempted from insurance premiums for accidental injury death or accidental total disability.

4) At the age of 66, you can have the right to switch pensions.