The most comprehensive critical illness insurance review, after reading this article, let you buy th

In terms of coverage, secondary claims for critical illness, moderate illness, mild illness and high-incidence critical illness (malignant tumors, cardiovascular and cerebrovascular diseases, etc.) must be available, and the compensation ratio must be in line with the market average.

For example, the compensation ratio for critical illness is 100% of the sum insured, the compensation ratio for moderate illness is about 50% to 60%, and the compensation ratio for mild illness is 30%.

Pick up the common pitfalls of critical illness insurance!

In addition, when you apply for a children's insurance product, you should pay attention to whether the product has the policyholder's waiver protection.

The so-called policyholder waiver protection simply means that when the policyholder suffers from a contracted illness or a situation specified in the contract, the insurance company will waive the insured's subsequent premiums, and the insurance contract will continue to be valid.

Because most of the children (insured) have no financial income, and the premiums are paid by their parents (policyholders), it is still important for the policyholder to waive the cover.

However, premium waivers do not always need to be add-ons and need to be made on a case-by-case basis

Is it good to waive the premium, and do I have to choose it when buying insurance?

Critical illness insurance is critical illness insurance, if the insured is out of the insurance after the waiting period, in line with the insurance contract agreed in the disease, the degree of illness and the means, etc., then you can get a one-time compensation from the insurance company. No matter what type of insurance you buy, you should choose the one that suits you based on your own needs and conditions before applying for insurance.

Here's exactly one copy! The comparison table of 136 popular critical illness insurance in the country, so what problems should be paid attention to when buying critical illness insurance? In the process of purchasing, we should pay attention to the following points:

1.Coverage

25 Critical Diseases:

What Daddy wants to say here is that the Insurance Association of China requires that all critical illness insurance must include these 25 critical illnesses, and the definition of diseases and the claim standard must be the same, and they are not allowed to be modified.

2.Duration of Coverage

Critical illness insurance can be divided into three types: one-year critical illness insurance, term critical illness insurance and lifetime critical illness insurance according to the length of the coverage period.

The duration of one-year critical illness insurance is 1 year, and although the premium is cheap, the stability of the bank is not good, and it is very likely that the product will be discontinued, the premium** or the policy cannot be renewed.

Term critical illness insurance can choose the coverage period according to your own needs, generally 20 to 30 years or 60 to 70 years old. Term critical illness insurance has a low premium, a high sum insured, and a good overall price-performance ratio.

3.Sum insured

Buying insurance is buying the sum insured.

In addition to the cost of illness, the cost of nursing and nutrition during the ** period, and the loss of income that cannot work normally in the following 5 years should also be included in the insurance amount.

4.Deadline for payment of premiums

The payment period of critical illness insurance is generally divided into 5 years, 10 years, 20 years, and 30 years. The shorter the time, the less interest, but the annual premium payable will also**.

Generally, it is not recommended to pay in 5 or 10 years, because the time is short and the financial burden is too large for the average family.

It is recommended to pay in 20 or 30 years, and the payment time becomes longer, and the annual premium is relatively smaller, so as to reduce the financial burden.

There are many brands of critical illness insurance, which one is the most suitable? Then it is necessary to consider the following aspects:

1. Insurance costs.

Taking a 30-year-old man in Beijing as an example, assuming that the basic insurance amount is 500,000 yuan, the guarantee is lifelong, and the payment period is 20 years. Then the insurance cost of Hongkang Dora A Critical Illness Insurance is about 10,960 yuan a year; The insurance cost of Anbang Evergain Critical Illness Insurance is 11,325 yuan per year; Sunshine Insurance's Sunshine i-Protector Whole Life Critical Illness Insurance is insured for one year.

2. Cover the types of severe diseases.

In addition to the cost, the type of illness covered by critical illness insurance is also the most important aspect to pay attention to, taking Sunshine Insurance's i-insurance series of critical illness insurance as an example, it contains 100 kinds of critical illness and 20 kinds of minor illness protection, which is a relatively comprehensive protection product in critical illness insurance.

3. Post-service.

In fact, regarding the choice of critical illness insurance, it is recommended that you refer to a few more and make more comparisons. However, Sunshine Insurance is here to introduce to you a Sunshine i-Guarantee Whole Life Critical Illness Insurance, which may be your "dish".

First of all, as mentioned above, Sunshine i Insurance is more cost-effective than making early omissions to other brands; Secondly, this critical illness insurance includes protection for 100 critical illnesses and 20 minor illnesses, and death is clearly written into the clause, which can be paid for illness and wealth inheritance if you are not sick; In addition, Sunshine Insurance's critical illness insurance can be insured from 30 days to 50 years old, and one policy is guaranteed for life; Finally, if you suffer from one of the 20 minor illnesses, you can waive future premiums and continue to enjoy lifelong protection.

Sunshine Insurance's i-insurance series of whole life critical illness insurance can be said to meet many people's requirements for critical illness insurance, and has won the love of many netizens.

Critical Illness Insurance, as the name suggests, is aimed at the types of insurance coverage involved in critical illnesses, so pay attention to:

1. Scope of disease protection, of course, the more the premium is not significantly increased, the better, for example, FTLife's critical illness insurance protection 168 is to protect up to 168 diseases;

2. It depends on the number of claims, the amount of claims and the terms of re-claims, for example, many critical illness insurance products in Hong Kong have launched multiple claims, and domestic insurance has also learned the style this year, but the re-claim interval of Hong Kong critical illness insurance is 3 years or 1 year, while domestic insurance takes more than 5 years;

3. It is very important to pay attention to the definition of critical illness and claim requirements, because buying insurance is buying terms;

4. Choose the right critical illness insurance according to your own characteristics, for example, people living in Beijing's smog area can consider Hong Kong Fortis Guardian 168, because this critical illness insurance not only covers a wide range of 168 diseases, but also has an additional compensation amount for the respiratory system - which is equivalent to a cost-effective deal on the basis of cheap premiums with the same amount of insurance in China! And there are up to 4 times of 100% compensation, stroke and heart attack are additionally listed in the case of additional compensation, which is included in the critical illness in China and needs to be purchased separately, hehe.

In this way, it seems that there are not as many as 6 to pay attention to.

For the "pit" of critical illness insurance, many times it is a misunderstanding caused by everyone's lack of understanding of critical illness insurance, rather than the real "pit". Many friends are still relatively new to critical illness insurance, and you can learn more about it through this article: good critical illness insurance looks like this!

You've been lied to for so many years.

Next, the senior sister will take stock of the common critical illness risk misunderstandings for everyone, and don't say much, just go straight to the dry goods!

1. Mistakenly believing that critical illness insurance will be paid as long as it is diagnosed.

Many friends may think that critical illness insurance will be paid as long as it is diagnosed. In fact, it is not the case that the insurance company will pay for the diagnosis of a contracted illness during the insurance period. In most cases, the insurance company will not pay the benefit until the agreed condition is reached or the agreed surgery is performed.

2. Mistakenly believing that critical illness insurance will be paid out immediately.

Many consumers think that they have bought critical illness insurance and can get compensation immediately if they get sick. But they often overlook that there is a waiting period for critical illness insurance. During the waiting period, the insurance company is generally not liable to pay unless it is caused by an accident.

Therefore, when purchasing, you must look at the number of days of the waiting period, usually the waiting period for critical illness insurance is 90 days or 180 days, and the shorter the choice, the better.

3. The more types of diseases, the better.

The more types of diseases covered by a high-quality critical illness insurance is not always better, and whether the protection of a critical illness insurance is comprehensive depends on the incidence of the diseases covered. Although some critical illness insurance products cover a wide variety of diseases, many of them are indiscriminate, and their odds are very small, which is a bit useless.

Regarding the common misunderstandings of critical illness insurance, the senior sister talked about this. If you don't know how to buy critical illness insurance, you can take a look at this insurance strategy compiled by the senior sister: which is the best critical illness insurance, how to buy it cost-effective, and teach you to avoid these pitfalls of insurance.