Do you know what good critical illness insurance is available in China?

The good critical illness insurance I know in China is Centennial Life Insurance, which is a relatively fast-growing and long-term insurance.

Ping An's Ping An Fu, main insurance + critical illness + long-term accident + waiver. 30 mild and serious illnesses and 100 major illnesses are all guaranteed for life. In addition, in the first occurrence of a mild critical illness, the basic sum assured of the critical illness and the main insurance will increase by 20% and the maximum increase will be 60%, and the maximum number of different minor illnesses can be paid up to three times.

In the event of a mild illness or other illness, the following premiums can be waived. Claims are settled, and the claim can be paid with the diagnosis certificate of a tertiary hospital after the occurrence of critical illness, which does not conflict with other critical illness insurance. In addition, no matter what product you buy, you must understand the insurance liability of the product, as well as the company's brand, service, claims and other factors.

Don't ignore these just because premiums are expensive. At the same time, be sure to find a professional to provide relevant services.

New China Insurance's multi-time insurance is not bad, more scientific, suitable for people under the age of 40 to buy, if you feel that the premium is too high, you can choose healthy and worry-free C1. People around the age of 50 can choose Kangai Worry-free A or Health Carefree D in Xinhua, which is a critical illness insurance for older people.

Although the critical illness is a single payment, if the critical illness is diagnosed and dies for more than one year, the life insurance recovery fund (half of the critical illness sum assured) can be paid again. Minor illness is paid in addition, and the main insurance itself comes with the function of waiving the premium for minor illness and critical illness of the insured. In addition, with the blessing of Fude Life, the sum insured of critical illness insurance can be converted into medical funds from the age of 60 (5% of the insured amount of critical illness can be reimbursed every year, which can be used cumulatively, with zero threshold reimbursement, and does not conflict with social security and other commercial medical insurance).

I know that the good critical illness insurance in China includes life insurance and Ping An insurance, which are more famous insurances in China.

1. China Merchants Cigna Health Critical Illness Insurance Section C 2, Ping An Fu 3, Harmony Health Enjoy 4, China Life Fu 5, and Huaxia Healthy Life.

Fortune Ankang is a good critical illness insurance, which pays an additional 50% of the critical illness sum insured for 6 malignant tumors that are more common in adult men or adult women, providing more intimate protection.

The domestic is good, such as Ping An Insurance of China, which has critical illness insurance. I think Ping An is not bad, and it is also a leader in China's insurance industry.

Tian An Life's health source is preferential, with death liability, 5 times of minor illness is not grouped, additional compensation of 30 each time, 4 times of critical illness group payment, reasonable grouping, with exemption from minor illness and critical illness. Premium 11985 per annum.

I think life insurance in China is good, this insurance has a big reputation and is more reliable, and you can invest in this critical illness insurance.

I bought Ping An Fu myself, as well as big and small lucky stars, I also think it's a bit expensive, but Ping An claims are fast. It's known for being fast, efficient, and easy to use.

I think that when buying insurance, you should first look at the company's brand and reputation, and then look at the product itself. Ping An's reputation in the industry is still very good.

For those with limited means, term critical illness insurance is an option. Term critical illness insurance can provide critical illness protection for a certain period of time, but the coverage after the period cannot be covered, so it is recommended to choose a payment period of 20 years, which is suitable for a longer period. If you are financially well-off, you can choose whole life critical illness insurance, which can provide lifelong protection without worrying about the risk of renewal, and a maturity payment can be left to your children.

Malignant tumors, acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting, end-stage renal disease, etc.

Zhongan Insurance's exclusive e-life million medical treatment is very good, it can be purchased separately, there is no main insurance, only a few hundred yuan a year, and the insurance limit is 6 million, and there is no restriction on what disease, what medicine and ** means are used, except for the deductible of 10,000.

Chinese life, Kangning life, national life, millions of medical care, are all good.

If the insured suffers from a critical illness, the insurance company will pay the critical illness insurance benefit, the death insurance benefit will be zero, and if the insured does not suffer from a critical illness, the death insurance benefit will be paid. For example, if the policyholder purchases 100,000 yuan of this independent main insurance type of critical illness insurance, if a critical illness occurs, 100,000 yuan of critical illness insurance will be paid, and if no critical illness occurs, 100,000 yuan of death insurance will be paid.

Chinese Life's critical illness insurance covers high-incidence critical illnesses and high-incidence special illnesses, with cheap rates. It is recommended to choose Chinese Shou.

Huaxia Insurance Evergain Multiple, including 5 times of critical illness, 3 times of moderate illness, 2 times of mild illness, and 3 times of terminal illness, comes with a waiver of terminal illness liability....You can also add millions of medical and small medical insurance products!

The national life blessing of Chinese life, the peace blessing of Ping An Life.

China Taiping Fulu Kangrui.

Taiping Fulu Kangrui! The most cost-effective in the industry!

Most people don't know, on the surface, the insurance is very good, there is nothing wrong, the person who designed the insurance is not a vegetarian, it seems that the general serious illness can be compensated, it seems that there is a lot of money, as if it is about to become an outbreak of households, in fact, most of the serious illnesses can not be compensated, there are a lot of side balls, everyone should know that there are a lot of lawsuits to pay, why do you pay for lawsuits? What you can pay is to try not to pay.

Selling insurance, you can pay hundreds of thousands of millions in the first sentence, which touches your heart.

Even those who sell insurance in insurance companies have to surrender their policies

Fude Life Insurance's health and worry-free, double exemption for mild illness and severe illness, and life insurance recovery fund.

Ping An e-life insurance, the best high-end medical insurance!

Health insurance focuses on health protection, so it is still necessary for the policyholder to understand carefully! The types of serious diseases in major diseases are mandated by the China Banking and Insurance Regulatory Commission! All insurance companies are similar, and the CBIRC does not have mandatory provisions for mild and moderate diseases, so it is necessary to compare the terms!

For example, coronary interventional surgery, which has a high incidence of cardiovascular diseases, has not been included in the scope of minor illness claims among the top ten insurance companies in China! Therefore, when buying insurance, choose a professional and reliable ** person, after all, there is no absolutely complete product, when listening to her introduce the product, is it pertinent! Second, in the qualified salesman products, choose relatively comprehensive products, cost-effective companies to insure!

Xinhua Insurance's health and worry-free comparison By the way, if you buy insurance, you will buy the insurance of a listed company.

Taikang is also good, an unlisted Fortune 500 company.

Pacific Insurance Company's "Jinfu Life" 105 critical illnesses, 55 kinds of mild diseases, 20% of minor illnesses will be compensated 3 times, and if a minor illness claim occurs, the subsequent premium will be waived and deemed to have been paid. There are also 15 specific diseases for children (double compensation), critical illness disability (double compensation), and 10 specific diseases (double compensation) after the age of 61, with increasing cash value.

Talking about insurance without demand is like a joke, the policyholder's own (me, family, career) objective needs, and my subjective wishes, as well as the annual budget and renewal ability - these are not clear, what is the point of talking about what insurance is good? Advertise to companies?

Critical illness insurance refers to illness insurance that is conditional on the payment of insurance benefits for specific critical illnesses. It is divided according to whether the premium is returned, and can be divided into consumption-based critical illness insurance and return-oriented critical illness insurance.

Critical illness insurance was introduced to the Chinese mainland market in 1995 and has developed into an important protection product in the life insurance market.

Critical illness insurance, also known as critical illness insurance, was first developed in South Africa in 1983 by surgeon Marius Barnard. His older brother, Kristen Barnard, was the first doctor in the world to successfully perform a heart transplant. Dr. Marius found that after performing a heart transplant, some patients and their families were already in financial difficulties and could not sustain follow-ups.

In order to alleviate the financial pressure on the insured in the event of a critical illness or major surgery, he worked with an insurance company in South Africa to develop critical illness insurance. [2]

After 1986, critical illness insurance was successively introduced into the United Kingdom, Canada, Australia, Southeast Asia and other countries and regions, and has developed rapidly.

In 1995, critical illness insurance was introduced in the Chinese mainland market, and has now developed into an important protection product in the life insurance market.

In the process of development, the scope of protection has gradually expanded, and the protection function has become more and more perfect, but the design concept of this type of product has continued to this day.

When you buy insurance, what suits you is the best. However, there are hundreds of critical illness insurance policies on the market, which ones are the most worth buying? I compared hundreds of critical illness insurances on the market and compiled a list, and interested friends can poke the link to get it It took a week to compare hundreds of critical illness insurance, and these critical illness insurances are the most worth considering!

Below, let me tell you how to buy the best critical illness insurance?

1. The sum insured is 300,000 yuan and above, the higher the better.

The data shows that the average ** cost of a critical illness is about 300,000. Therefore, the sum insured of critical illness insurance should at least cover this number. Of course, if you have a sufficient budget, it is better to buy a higher sum insured.

2. Try to choose the longest payment time.

The longer the payment time is chosen, the less pressure we can pay the fee; At the same time, the insurance leverage is also higher.

3. Guarantee time.

For the vast majority of people, it is enough to choose a fixed term, and a few hundred to thousands can be done. If you have a sufficient budget, you can also buy a lifetime insurance, but ** is relatively high.

4. Guarantee content.

If you have a limited budget, you can only buy critical illness insurance with critical illness + mild illness + moderate illness; If you have a large budget, you can choose whether to add additional benefits for diseases, cancer, cardiovascular and cerebrovascular diseases, etc., according to your actual needs. For the death liability, it is generally not recommended to attach it, the premium for this liability will be much higher, and for death and critical illness, the insurance company will only pay one of them.

If you still don't know how to buy critical illness insurance? You can pay attention to the insurance, we will tailor the insurance plan for you 1 to 1, adhering to a professional, objective and neutral attitude, and never let you spend more money!

I don't know what the subject's definition of the best is.

I think the best one is the one that suits me best.

Commercial insurance products are not products that are placed in the window for consumers to choose from. The insurance plan is by no means a wishful thinking of the policyholder, but a consensual match between the policyholder and the insurance product.

I don't know how to reply to the subject's question. Because the insurance has a physical condition threshold, the strictness is probably medical insurance" = critical illness insurance, life insurance, and accident insurance. On the premise of not knowing some of your circumstances, it is actually equivalent to buying clothes and buying a standard size, although the standard is not necessarily suitable for you, otherwise why would there be an increase in XL, a small S size?

There are so many critical illness insurance products on the market now, and when the subject does not indicate anything, random recommendations are nonsense.

There are three main dimensions to consider in the allocation of insurance: 1. The protection should be complete, and everything that can be guaranteed will be guaranteed. 2. The amount of insurance should be sufficient, and the full amount of insurance can play a big role in critical situations. 3. How to meet the first two conditions to make the premium reasonable, and use good steel to the cutting edge.

Every penny is worth the money.

How much coverage is appropriate for the subject? What aspects does the subject value more (the reputation of the insurance company?) What is the terms of the guarantee? How much is the premium? ）？In addition, the elderly and children must have different considerations when buying critical illness insurance.

Therefore, it is impossible to find the "best" critical illness insurance product on the Internet until the subject cannot provide more specific information.

Finally, let's ask: Is the subject really most in need of critical illness insurance?

I wish you peace, joy and good sailing.

May you prepare a sunny umbrella for life in advance.

Critical illness insurance is not ranked by anyone, every insurance company has critical illness insurance, but the most cost-effective is the critical illness additional insurance in the social security, less than 40 yuan a year, it has a lot of protection, because this is the nature of national welfare, not sold by commercial insurance companies, so its cost performance is the highest.

Critical illness insurance mainly has a relatively long period of protection, after all, no one knows that such a thing as illness is like this. Many people pay more attention to the cycle and the rate of return when buying critical illness insurance, because everyone knows that the cycle is long and the capital depreciation, although buying insurance does not look at this, but the cycle is too short and there is no meaning in guaranteeing, because when the cycle is up, you have to buy it again and send more money.

Focus: Period.

For example, if you can't withdraw funds for 20 years for 20 years, the cash value is not equal to the money you pay, and the insurance company will give you interest on the bank loan for half a year. So if you don't take out this money for 20 years, it won't affect you.

2.Types of diseases.

At present, the types of diseases in insurance companies change every 1 or 2 years, some for half a year, but the diseases that change cannot be like that kind of cold and fever, but the relative probability of occurrence will be higher. Now it's basically 35 major illnesses.

3.Returns.

Some insurance companies are 10%, but do the math carefully. Pay for 10 years Get 10% income for 20 years Almost 3% for 1 year The interest of the bank is no different, there is no so-called profit or not, unless you buy dividend insurance, but the dividend insurance invests more money, the cycle is longer, and the long-term stability of financial products.

Just pay attention to these points. After all, the original intention of insurance is to protect, and if you get sick when you buy it, it happens to be not within the scope of the insurance company, and there is no way, so you should help yourself save money, and don't have too much burden.