What about the critical illness insurance of United Insurance, and the critical illness insurance of

1. Is Hezhong Insurance's critical illness insurance reliable?

United Life Insurance Company was established in 2005 with a registered capital of 100 million yuan and a premium of 100 million yuan last year. So far, it has developed into a national insurance company with nearly 100,000 internal and external employees, 27 provincial branches, more than 600 branches, and total assets of more than 100 billion yuan.

It can be seen that Hezhong Insurance Company is relatively reliable, and everyone can rest assured that they can buy its critical illness insurance products.

2. How to choose critical illness insurance?

In addition, when buying critical illness insurance, you should pay attention to the following points:

1) How much am I going to spend on critical illness insurance?

As one of the most expensive types of insurance, critical illness insurance requires reasonable planning. In general, the total cost of buying insurance should not exceed 10% of your annual income.

2) How much is the sum insured?

Buying insurance is buying the sum insured, the amount of insurance is too low, it can't play the role of passing on the risk at all, and the allocation of the insured amount of critical illness insurance is at least 3-5 times the annual income. It is generally recommended to start at 300,000, 500,000 as standard, and the higher the budget, the better.

3) Don't buy returnable critical illness insurance.

Ordinary working families are not recommended to buy return-type, dividend-paying, and universal critical illness insurance, which has high premiums, low returns, and generally lacks protection.

4) It is not recommended to purchase critical illness insurance for the elderly.

The elderly have some physical problems to a greater or lesser extent, and it is generally difficult to inform them through health. Even if the health notice is passed, the premium of the elderly to buy critical illness insurance is relatively expensive, and it is easy to invert the premium, so it is not recommended for the elderly to buy critical illness insurance.

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As a life insurance, Hezhong One has simple and easy-to-understand insurance responsibilities, mainly providing 108 kinds of critical illness and 50 kinds of minor illness protection, as long as you suffer from 50 kinds of minor illnesses agreed in the contract, you can pay 25% of the basic sum assured for minor illness insurance, and the cumulative maximum payment is 3 times, and the remaining premium can also be waived. And as long as you live peacefully until the age of 80, you can pay 110% of the premium paid, and you can be insured for death, total disability. The most important thing is that as long as you meet the standards specified in the contract, United Life will connect you with the retirement community and let you enjoy a high-quality retirement life.

The ** of the Hezhong No. 1 Premium Edition is also relatively expensive. In terms of insurance content, it is not much different from the same type of products. However, it is a comprehensive insurance, and if there is no insurance, the premium can be refunded at the age of 80 and the sum insured at the age of 100.

Both insurance is a product that "treats the sick and returns the original when the disease is not sick", and many people will think that this product is more cost-effective. But there is no such thing as a free lunch, and the essence of both insurance is that we pay a lot more premiums, and then the insurance company uses them for financial management, and returns some of them to us after a few decades, and the return is not high.

If you are unfortunate enough to suffer from a critical illness, the extra premiums you have to pay for the return of your premiums will be wasted. Moreover, the maturity age of the Hezhong One Premium Edition is too high, and it is difficult for most people to get the maturity insurance benefit until they are 100 years old. From another point of view, in fact, we can use the overpaid premium to make a high sum insured, or use it to buy medical insurance, life insurance, accident insurance, or use it to allocate insurance for our families.

Personally, I think it makes a lot more sense to spend money this way. If you want to buy products from large companies: You can consider Sunshine I Insurance C, which is more cost-effective among the critical illness insurance products of large companies; If you want to buy a more cost-effective product:

You can consider consumer-based critical illness insurance, which can buy a sufficient amount of critical illness insurance for only a few thousand yuan per year.

The main insurance "Dual Insurance" and the additional insurance "Critical Illness Insurance" of Hezhong One share the sum insured! It can be understood that if you are insured by Hezhong No. 1 with an insurance amount of 500,000 yuan, and you find that you are suffering from a critical illness and pay 450,000 yuan in insurance, then you can only pay 50,000 yuan in insurance for death, which can be said to be a very pitfall. The cost of buying a single life insurance and critical illness insurance is actually much cheaper than buying Hezhong One, and the coverage is more comprehensive and the sum insured is higher.

Therefore, if you don't have so much money that you have nowhere to use it, it is not very recommended to buy Hezhong One Comprehensive Insurance.

It's very good, this kind of insurance is very good, and it can protect your own rights and interests, and the cost will be very low, so this kind of insurance is very good.

It's pretty good, this insurance is still relatively reliable, and there are many people who buy it, which is very good.

I don't think this critical illness insurance is particularly good, its premium is relatively high, but the protection is not particularly detailed, so you must shop around when buying insurance.

There are definitely pros and cons, you can carefully understand the relevant terms, if you can accept it, it is worth buying.

Hezhong Insurance No.1 Comprehensive Critical Illness Insurance is a product with the main insurance as both insurances and the additional insurance as early payment critical illness insurance, and its main insurance protection liability is maturity insurance, total disability insurance and death insurance; The rider covers the Death Total Disability Benefit, Critical Illness Benefit, Minor Illness Benefit and Minor Illness Premium Waiver Benefit.

If you are more interested in Hezhong One (2021), you can collect this article by Senior Sister first:

United Life One (2021) Is it really good? Today I'm going to tell you the truth.

1.Analysis of insurance rules.

The protection period of the main insurance of United One (2021) is guaranteed until 0:00 on the policy anniversary of the insured's 60, 70 and 80 years old.

Secondly, the payment period of Hezhong No. 1 (2021) is also quite flexible, and you can choose to pay in a single payment, 5 10 15 19 20 years.

However, you should pay attention when applying for insurance, the insurance age range of Hezhong One (2021) is 28 days old - 57 years old, and only groups who meet this range of insurance age can apply for this product.

About both insurance, the salesman will definitely not tell you!

2.Guaranteed content analysis.

The main insurance protection liability of Hezhong No. 1 (2021) is the maturity insurance benefit, death insurance benefit, total disability insurance benefit, and the additional insurance protection liability is the mild and severe illness insurance benefit, the insured's minor illness premium, etc.

In this way, it can be seen that there is no basic guarantee such as moderate disease in the additional insurance ridge mu of Hezhong No. 1 (2021).

In addition, it should be clear that there are many severe tremor insurance products on the market, which not only have mild, medium and severe disease protection, but also have multiple benefits such as malignant tumors - severe secondary compensation.

Top 10 Popular Critical Illness Insurance Points Worth Buying!

The underwriting company of Hezhong One 2021 is United Life, and the product form is in the form of main insurance and comprehensive insurance + supplementary leakage and aggravated illness insurance, and the insurance can choose to return the accumulated premiums paid at the age of 60, 70 and 80, and the critical illness is still covered after the premium is returned.

The protection liability is relatively simple, only covering critical illness, mild illness, death and total disability, and no moderate illness benefit.

The maximum payment period of 2021 is 20 years, which is not flexible and may increase the pressure on premiums. Moreover, critical illness insurance is an add-on, which also increases the burden of premiums.

The new definition of critical illness requires 3 types of mild diseases: mild malignancy.

Mild acute myocardial infarction.

For the sequelae of mild stroke, the compensation ratio is not more than 30%, and many high-incidence mild diseases are missing, but the in-situ dismantling of cancer has been increased.

Coverage, and the description of carcinoma in situ is standardized.

In order to provide better services to its users, United Life has nearly 80,000 internal and external employees, 27 provincial branches and more than 500 branches, which means that most parts of the country can enjoy the protection of United Life's critical illness insurance. In addition, in order to improve the user experience, United Life has also established a "customer-centric" customer service system, United Life wants users to think, insight into the user's attention to the claim, in order to let its users get better protection, United Life put forward the service commitment of "United Insurance Duan Feng, it is not difficult to settle claims", so that users can feel at ease after purchasing insurance, can rest assured. It can be seen that United Life's critical illness insurance is still relatively reliable.

However, it is not recommended to buy, because the cost performance is too low, there is no additional compensation, the compensation ratio is relatively low, and there is no secondary compensation for high-incidence diseases. However, if you are more concerned about the protection time and the payout ratio, you can choose the critical illness insurance of United Insurance. Here's why:

1.The payment period of critical illness insurance is 20 years, and there are two payment methods for critical illness insurance: single payment (one-time payment) or regular payment (continuous payment for xx years).

In the case where we choose to pay periodically, the longer the (payment period), the more type and less the premium will be amortized to the end of the year.

2.Waiting period for critical illness insurance of United Insurance: During the waiting period, the insurance company will not compensate the insurance money unless it is caused by unexpected circumstances, so the shorter the waiting period, the better. United Insurance's critical illness insurance is 90 days, which provides coverage for a long time.

3.The content of critical illness insurance protection of United Insurance: As we all know, the China Banking and Insurance Regulatory Commission stipulates 28 kinds of critical illnesses that must be insured, and these 28 critical illnesses account for more than 90% of claims, but when the insured is diagnosed with a critical illness, not all of them are in an advanced state, and they are likely to be in an early state, such as early gastric cancer, which only needs a simple resection surgery.

At present, many critical illness insurance, in order to improve the odds and protection of the insured, will set up corresponding moderate and mild illness protection, but the critical illness insurance of United Insurance has lost the moderate illness protection, which is a fatal flaw.

1.The critical illness insurance of United Wealth Insurance includes United Health Life Critical Illness Insurance, United Cherish Happiness Lifetime Critical Illness Insurance, United Cherish Happiness Lifetime Critical Illness Insurance and United Love Baby Children's Critical Illness Insurance Protection Plan. The Critical Illness Insurance launched by United Life Insurance is an exclusive health protection product with 12 types of protection periods and 9 types of critical illness benefits, so that you can be fully protected.

2.Critical Illness Insurance for Life in Peace. This critical illness insurance is mainly for healthy people between the ages of 18 and 55. The insurance period can be 5 years, 10 years, 15 years, 20 years, etc.

3.Hezhong Happiness Annual Regular Anti-Cancer Disease Insurance Section A. This is a cancer-addled term life insurance policy that provides cancer-only benefits. Healthy individuals between the ages of 28 days and 60 years old are eligible to apply.

4.Hezhong Cherish Happiness Lifetime Critical Illness Insurance. The age of this critical illness insurance is relatively relaxed, with a maximum age of 65 years old.

Hezhong Cherish Happiness Lifetime Critical Illness Insurance is a very advantageous critical illness insurance, which not only provides comprehensive protection, but also has an insurance age of 18-65 years old, which can be said to be very good compared to the critical illness insurance on the market that only allows 50 years old and under 55 years old. In addition, this product is a cost-effective critical illness insurance, and it is also very high-grade in terms of product involvement and product services.

5.Baby Critical Illness Insurance Protection Plan. This critical illness insurance is mainly for children, with low **, more protection, and high insurance amount, which can give children a full range of health care.

Extended Materials. About United Life.

1.United Life Insurance is a comprehensive life insurance company approved by the China Insurance Regulatory Commission (CIRC) to operate all types of life insurance. From 2006 to 2011, United Life was awarded the title of "Satisfactory Unit for Safeguarding Consumer Rights and Interests and Honest Service" by the China Consumer Protection Association for six consecutive years.

In December 2007, United Life Insurance was awarded the "Insurance Company with the Fastest Life Insurance Claim" by Sohu Finance Channel. Not only is the insurance company formal and reliable, but also has a high brand awareness and a good market reputation, so consumers can rest assured when purchasing United Life critical illness insurance.

2.In terms of insurance follow-up services, United Life is the first in the industry to put forward the service initiative of "United Insurance, Claims are not difficult", and policyholders can obtain high-quality insurance claims services by calling 95515 for claims service if an insurance accident occurs after purchasing United Life critical illness insurance products. In terms of the professionalism of insurance products, critical illness insurance is the main insurance business of United Life, so the design of critical illness insurance products will be more professional and humane.

Summary. Hello dear, happy to answer your <>

United Life Critical Illness Insurance is a critical illness insurance designed for healthy individuals between the ages of 18 and 55. The insurance period can choose from 5 years, 10 years, 15 years, 20 years, 25 years, 30 years and other options, in terms of critical illness protection services, within 90 days from the effective date of the insurance liability of this main contract or the date of final reinstatement (whichever is later), the insured will refund the insurance premium paid by you without interest, and the main contract will be terminated.

United Life Critical Illness Insurance.

Hello, happy to answer your <>

United Life Critical Illness Protector is a critical illness insurance that is mainly aimed at healthy people between the ages of 18 and 55. The insurance period can be 5 years, 10 years, 15 years, 20 years, 25 years, 30 years and other options, in terms of critical illness protection services, the insured first occurs due to the critical illness defined in this main contract within 90 days from the effective date of the insurance or the date of final reinstatement (whichever is later), we will refund the insurance premium paid by you without interest, and the main contract will be terminated.

If the insured of the Critical Illness Insurance of Hezhong Health Life is diagnosed with a critical illness as defined in the Principal Illness Contract for the first time after 90 days from the effective date of the insurance liability of this main contract or the date of the last reinstatement (whichever is later) and is diagnosed by a medical institution recognized by the Company as defined in the Critical Illness Contract (except that the critical illness caused by an accidental injury is not subject to this 90-day limit), and the insured is still alive after 30 days from the date of diagnosis, we will pay the "Significant Occult Disease Insurance Benefit" according to the insured amount of this main contract, and this main contract will be terminated.

United Life Insurance is a national xing, joint-stock life insurance company with a wide range of critical illness insurance, which can meet your diversified health insurance needs and protect your happy life. It is reported that the critical illness insurance of Hezhong Life mainly includes a large number of Duobao Zhengwen lifelong critical illness insurance and Hezhong Guardian Happiness lifelong critical illness insurance, different insurance products have different protection content and **, policyholders need to combine their actual needs for planning, so as to plan their own critical illness insurance plan to provide accurate care.