Is it good to buy critical illness insurance, and what kind of insurance is good?

There is a 72% probability that a person will suffer from at least one critical illness in his lifetime, which is a high probability. Theoretically, it is necessary for everyone to purchase critical illness insurance. If funds are limited, then the allocation of critical illness insurance can follow this order:

The economic pillar of the family is given priority, and after the adults have configured it, they will allocate it to the children.

Is it good to buy critical illness insurance, and what kind of insurance is good?

There is no such thing as the best, only the most suitable.

The same is true for insurance companies, if they have to compare, they can only start with their products.

In order to give you a more intuitive answer, Daddy directly selects the more popular critical illness insurance on the market to see which one is better, and traces it back to the company from the product, which is more scientific.

Considering the economic conditions, the dad chooses to pay a single claim for critical illness, after all, a single claim is more affordable than multiple claims for critical illness insurance.

Next, let's take a look at the comparison chart of single claim critical illness insurance:

The chart shows a variety of critical illness insurance, so who has the most outstanding advantage among these products?

Critical illness insurance is based on the fact that once a critical illness is diagnosed and the conditions are met, the insurance company will pay the insurance benefits directly, so in addition to the basic protection, the sum insured should also pay special attention.

**The critical illness insurance products in China are relatively comprehensive, in addition to critical illness and moderate and mild illness protection, there are also special benefits.

However, there is a difference in the proportion of critical illness benefits, Super Mario 3 Max and Darwin 3 are diagnosed with critical illness before the age of 60, and if they meet the conditions, they can receive an additional 80% of the claim.

As far as the products on the market are concerned, this compensation ratio is quite high, and the products are more competitive.

An additional 80% compensation means that if you have insured 500,000 yuan, are diagnosed with a critical illness, and meet the conditions, the final money you get is 900,000 yuan.

However, both of these products will be removed from the shelves of the 70-year-old plan on the 25th of this month, and now they can catch the last train.

If we take a closer look, it is not difficult to find that these two products are from the same company - Cindat Life.

Does the fact that Cindat Life has launched critical illness insurance products with high claims one after another means that it is the best insurance company?

Nowadays, the pace of life is fast, the work pressure is high, and the physical condition is easy to turn on the red light, insurance has become a kind of "comfort in the heart" of urban people, who are afraid that the accident will come first and crush their life.

First of all, the sooner you buy insurance, the more cost-effective it is; secondly, buy the consumption type and not buy the return type; Finally, the budget is not enough to buy regularly. If you are short of money, you can choose to cover the critical illness insurance until the age of 70, and then supplement it when the economic conditions improve.

If you want to buy a critical illness insurance, which insurance company is good for critical illness insurance?

When buying critical illness insurance, you should choose an old big-name physical insurance company, and try not to choose an online insurance company, so that it is more reliable to settle claims in the later stage.

The better critical illness insurance includes e-Health Critical Illness Worry-free Insurance, Ping An Fushou Ankang Critical Illness Insurance, Ping An Fu 2019 Whole Life Critical Illness Insurance, Doraa Critical Illness Insurance, and Darwin No. 1 Critical Illness Insurance.

1. eHealth Critical Illness Worry-Free Insurance

Features: Protection for 100 diseases: eHealthCare Critical Illness Worry-Free Insurance can cover 99 kinds of critical illnesses and 16 kinds of minor diseases, covering 115 types of diseases, and providing protection for malignant tumors, strokes, paralysis, leukemia, kidney failure and other high-incidence diseases.

Additional Compensation for Minor Illness: eHealth Critical Illness Worry-Free Insurance sets an additional 20% of the sum insured for minor illness, and the compensation for minor illness does not affect the re-application of critical illness. That is to say, if you get a minor illness benefit within the consumer protection period, you can re-apply for insurance after the expiration of the one-year insurance period, so as to reduce the risk of coverage interruption caused by claim reasons.

2. Ping An Fushou Ankang Critical Illness Insurance

Features: Maturity survival insurance benefits, consumers who choose Ping An Fushou Ankang Critical Illness Insurance, if the contract stipulates that the insurance is guaranteed until the age of 80, then the 80-year-old contract expires and still survives, and the insurance company will pay 128% of the paid premium as the maturity survival insurance benefit; If the consumer chooses to protect the term until the age of 100, and the most insured person survives at the age of 100, the insurance company will pay 150% of the sum of the premiums paid as the maturity survival insurance benefit, and the refund amount is higher.

3. Ping An Fu 2019 Lifetime Critical Illness Insurance

Features: 130 Illnesses Protection: Ping An Fu 2019 Whole Life Critical Illness Insurance can cover 100 Critical Illnesses + 30 Minor Illnesses, with 20% of the Basic Sum Assured for Minor Illnesses, and Death Benefit and Long-term Accident Benefit, which covers the Policy Anniversary of the Insured's 70th Birthday.

It is important to note that in the event of an accident while driving or riding in a non-operating private car or public transportation, the insured person will be entitled to double the accident insurance coverage.

4. Doraa Critical Illness Insurance

Features: Multiple claims: 105 critical illnesses are divided into 4 groups, a total of 3 claims, each claim is the basic sum insured, 55 kinds of minor illnesses are divided into 4 groups, the payout is limited to 2 times, a single claim is 30% of the basic sum insured, if a certain group of a disease occurs, the other three groups continue to protect after the payout.

**Affordable: The minimum premium of Dora A Critical Illness Insurance starts at 6 yuan, and the policy can be renewed up to 105 years old, and each group of critical illness medical treatment can pay up to 3 million, and can pay up to 3 groups of dry reeds, the product is cost-effective and worth buying.

5. Darwin No. 1 Critical Illness Insurance

Features: Double exemption: The product has a double exemption function, so the husband and wife insure each other, one party suffers from a mild illness, and both policies can be exempted from paying the remaining premiums, demonstrating human care and protecting the rights and interests of consumers.

Intelligent underwriting: The product supports intelligent underwriting + manual underwriting, so citizens who are interested in insurance can quickly obtain underwriting results, and the earlier they apply for insurance can get health protection one point earlier, which is the gospel for consumers.

To determine which type of insurance is better to buy critical illness insurance, we must first understand what types of critical illness insurance there are.

1) Fixed-term and lifelong.

According to the different protection periods, it can be divided into term critical illness insurance and terminal liquid critical illness insurance.

Term Critical Illness Insurance: Covers the burial of the barrier up to a certain age or for a certain period of time.

If it is insured up to the age of 70 or 30 years, this is a term critical illness insurance.

Whole Life Critical Illness Insurance: Covers from the effective date of the contract to the end of the insured's life, providing lifelong protection, and the premium is more expensive than the term type.

2) Return type and consumption type.

Depending on whether the premium is refunded after the expiration of the protection period, critical illness insurance can be divided into return type and consumption type.

Consumer: During the insurance period, the insured will pay the insurance money according to the contract;

During the insurance period, the insured has not been insured, and the premium has been consumed, and the premium cannot be refunded.

Return type: During the insurance period, the insured is out of insurance, and the insurance company pays the insurance money according to the contract; If the insured does not have an insurance during the coverage period, the premium will be refunded.

3) Which one to buy?

Now that we know the types of critical illness insurance, let's go back to the question of which type of insurance is better to buy when buying critical illness insurance.

Daddy thinks that it should be combined with his actual situation.

Whether you choose a fixed-term or lifetime plan depends on your budget and your own needs.

If you have a good budget and want lifelong coverage, go for life.

On the other hand, if you have a limited budget, you can choose a regular type.

But what if you have a limited budget but want lifelong protection?

This can be done by reducing the sum insured.

However, in this way, the protection is discounted, and the ability of critical illness insurance to resist the risk of critical illness is not so strong.

The budget is limited, so it is recommended to do a high sum insured first, and then extend the insurance period when the budget is sufficient.

For the return type and the consumption type, the dad thinks that it is enough to choose the consumption type.

This is because the premium of returnable critical illness insurance is 2 to 3 times that of consumer-based critical illness insurance, and the premium will not be refunded after the insurance benefit is paid during the insurance period.

If you feel that it is not cost-effective to buy a consumer-based insurance without pretending to return the premium, you can consider using the extra money to configure a financial insurance.

After a period of time, not only can you get back the premium you have paid, but you can also earn an additional income that is several times higher than the premium paid.

Hello <> dear! It's good to buy critical illness insurance and buy consumer-based critical illness insurance. The premium is relatively cheap, and the low premium can be used to leverage the high sum insured.

However, after the expiration of consumer insurance protection, it will automatically become invalid, regardless of whether the insured has been out of insurance, the insurance company will no longer bear the responsibility for protection, and will not return any fees. Therefore, consumer-based critical illness insurance is more suitable for people who do not have a sufficient premium budget and want to enhance their critical illness protection.

Hello, answer your question: Critical illness insurance is an insurance product that covers the risk of critical illness, and there are many different critical illness insurance products on the market. Choosing the right critical illness insurance product for you needs to consider a variety of factors, such as the sum insured, the content of the benefit, and the premium spine.

Here are some common types of critical illness insurance products for your reference:1Critical Illness Insurance:

Generally, about 30 major illnesses are covered, including malignant tumors, heart disease, stroke, etc., with a wide range of coverage, suitable for people who need comprehensive protection. 2.Cancer Danger Sakura Suspicion:

Oak Pure mainly covers all types of cancer, with a higher amount of coverage, which is suitable for people with a high incidence of cancer or people with a family genetic history. 3.Cardiovascular and cerebrovascular insurance:

It mainly protects cardiovascular and cerebrovascular diseases, such as myocardial infarction, stroke, etc., and is suitable for people with cardiovascular and cerebrovascular diseases such as hypertension and hyperlipidemia. 4.Comprehensive Accident Insurance:

It includes not only accidental death and disability benefits, but also critical illness, outpatient and emergency benefits, etc., which is suitable for people who need comprehensive protection.