There are 72 types of Jinyou Life Critical Illness Insurance, and Jinyou Life Whole Life Insurance C

Golden Life Insurance covers 100 critical illnesses, but the coverage of critical illness insurance is almost the sameIt doesn't matter if it's 30 or 100.

Because the China Banking and Insurance Regulatory Commission stipulates that all critical illness insurance products sold in mainland China must include 25 types of critical illnesses with high incidenceThese 25 critical illnesses have covered 95% of claims.

Not much to say, let's take a look at the content of Jinyou Life Product Guarantee".

Highlights

1. Dividends can be converted into annuities in whole or in part. This seems to be an advantage, but in fact, the name is very plump, the reality is very skinny, and the annuity converted by dividends can only have a little effect on resisting inflation.

2. Flexible payment. There are five ways to pay the premium, including one-time, 5-year payment, 10-year payment, 15-year payment, and 20-year payment, and there are many options, but many people look at such expensive premiums, and flexible payment is often not so important.

Inadequate

1. The proportion of compensation for mild illness is low

Although the product covers 50 minor illnesses and pays 3 claims, only 20% of the basic sum insured is paid for minor illnesses. You have to be able to reach 30% to be considered normal.

2. Lack of protection for moderate illness

It is still impossible to provide moderate illness protection, many critical illness insurance on the market have moderate illness protection, and compared with critical illness, moderate illness and mild illness are often the precursors of critical illness.

3. The dividend protection is slightly poor

The dividends of Jinyou life are actually divided into two categories:Annual dividends and final dividends.

Annual Dividend:As the name suggests, it refers to the dividends that can be received every year. The insured will not receive the dividends directly, but will accumulate them on the policy, which will increase the sum insured for critical illness.

Final Bonus:It is paid at the end of the contract and is divided into a care payment and a special bonus. But in reality, only one of the bonuses can be chosen.

4. Premiums are expensive

After reading **, you know very clearly that if you buy a lifetime insurance for a 30-year-old man, 500,000 insurance amounts, and pay in 20 yearsThe annual premium is close to 20,000, which is very high! It can be said that it is very expensive.

Summary:In terms of overall protection, Jinyou Life is not cost-effectiveThe protection is not comprehensive, and it is relatively expensive, and there is no market competitivenessWith such a budget, there are many better products, here is a list" "Ten critical illness insurance that is much more cost-effective than Jinyou Life".Hope!

1.Jin Blessed Life (60 major illnesses + 12 mild illnesses).

2.Blessing and health (40 major illnesses + 10 minor illnesses).

Both of the above are critical illness insurance for adults, and you can choose which one to choose.

Summary. Dear, there are many kinds of protection for this insurance: 1. Critical illness protection.

Jinyou Life 2018, covering a total of 100 critical illnesses, with 1 claim, nothing special. The 25 types of critical illnesses stipulated by the insurance industry association already account for more than 95% of critical illness claims, and there is little difference between 100 and 50 types. 2. Mild illness protection.

Jinyou Life 2018 contains 50 kinds of mild diseases, which can be paid 3 times without grouping, and 20% of the sum insured each time. The number of diseases and the number of claims are sufficient, but the 20% compensation ratio is obviously low. Most critical illness insurance pays 30% of the sum insured, and some critical illness insurance is higher, such as Xingyue, which can pay up to 40% of the sum insured for mild illness.

3. Total disability benefit in death. Jin Blessed Life 2018, can protect death and total disability. If the insurance is taken before the age of 18, the premium paid will be refunded; If the accident occurs at or after the age of 18, the sum insured will be paid.

It should be noted that critical illness, death, and total disability are shared with the sum insured, and after the critical illness is paid, the protection for death and total disability will be gone.

Golden Blessing Life Whole Life Insurance, Critical Illness Insurance.

Hello dear, glad to answer for you. Jinyou Life 2018 is a product of Pacific Insurance, which is mainly composed of two parts, the main insurance is a whole life insurance with dividends, and the additional insurance is a whole life critical illness insurance. Many people buy this product and are beaten by dividends.

Dear, there are many kinds of protection for this insurance: 1. Critical illness protection. Jinyou Life 2018, covering a total of 100 critical illnesses, with 1 claim, nothing special.

The 25 types of critical illnesses stipulated by the insurance industry association already account for more than 95% of critical illness claims, and there is little difference between 100 and 50 types. 2. Mild illness protection. Jinyou Life 2018 contains 50 kinds of mild diseases, which can be paid 3 times without grouping, and 20% of the sum insured each time.

The number of diseases and the number of claims are sufficient, but the 20% compensation ratio is obviously low. Most critical illness insurance pays 30% of the sum insured, and some critical illness insurance is higher, such as Xingyue, which can pay up to 40% of the sum insured for mild illness. 3. Total disability benefit in death.

Jin Blessed Life 2018, can protect death and total disability. If the insurance is taken before the age of 18, the premium paid will be refunded; If the accident occurs at or after the age of 18, the sum insured will be paid. It should be noted that critical illness, death, and total disability are shared with the sum insured, and after the critical illness is paid, the protection for death and total disability will be gone.

Critical illness insurance refers to the commercial insurance behavior handled by the insurance company to cover specific critical diseases, such as malignant tumors, myocardial infarction, cerebral hemorrhage, etc., and when the insured suffers from the above-mentioned diseases, the insurance company will provide appropriate compensation for the medical expenses spent. According to whether the premium is refunded, it can be divided into consumption-based critical illness insurance and return-oriented critical illness insurance.

I bought it for 15 years, and I paid it in 15 years, can I get the money all at once?

No, you cannot. At that time, the salesman told me that after 15 years, I could get the money at one time.

You can only get back the cash value of this.

You can get money, but you can only take cash value.

Don't be fooled with this.

This is detailed in your contract.

Malignant tumors, acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting, end-stage renal disease (or uremia phase of chronic renal failure), multiple limb loss, acute or subacute severe hepatitis, benign brain tumor, decompensated chronic liver failure, sequelae of encephalitis or sequelae of meningitis, deep coma, deafness in both ears, blindness in both eyes, paralysis, heart valve surgery, severe Alzheimer's disease.

Severe brain injury, severe Parkinson's disease, severe burns, severe primary pulmonary hypertension, severe motor neuron disease, loss of speech ability, severe aplastic anemia, aortic surgery, neurocystic disease, primary cardiomyopathy, vegetative state, generalized myasthenia gravis, necrotizing fasciitis, end-stage lung disease, human immunodeficiency virus (HIV) infection through blood transfusion, muscular dystrophy, severe multiple sclerosis, severe Crohn disease, severe asthma, severe myocarditis, Severe ulcerative colitis, primary sclerosing cholangitis, acute necrotizing pancreatitis, third-degree atrioventricular block, Wilson's disease.

Extended information: Critical illness insurance refers to the commercial insurance behavior handled by the insurance company that pays the insurance premium according to the insurance contract when the insured reaches the critical illness status agreed in the insurance clause when the risk of specific critical illness, such as malignant tumor, myocardial infarction, cerebral hemorrhage, etc. occurs.

From February 1, 2021, insurance products under the old definition of critical illness will be completely removed from the shelves. According to the new regulations, some diseases will be paid according to the severity of the two levels, and the policy can be renewed, and the number of diseases covered has also increased. For the first time, the new regulations introduce the definition of mild illness, which divides the three core diseases of malignant tumor, acute myocardial infarction and sequelae of stroke into severe diseases and mild diseases according to their severity, and the upper limit of the proportion of the sum insured that can be paid for these three mild illnesses is determined to be 30% of the total sum insured.