Which company is better to buy critical illness insurance

What the insurance covers and how much it will pay has been stipulated in the terms, and the insurance company will also settle the claim according to the terms.

Therefore, when you buy critical illness insurance, it is more important to see whether the protection content of the terms meets your own protection needs, and you don't need to be overly concerned about which insurance company you buy from. After all, only products that meet the protection needs of the insured are worth buying, and naturally there is no better way to buy critical illness insurance from any company.

Next, Senior Sister will tell you what a good critical illness insurance needs to include. Before we begin, I would like to present you with a guide to buying critical illness insurance: How to buy critical illness insurance? It's a buying guide, and if you miss it, you'll lose it!

1. The content of the guarantee should be comprehensive.

The course of the disease is generally mild, moderate, and severe. Therefore, a good critical illness insurance should not only provide critical illness protection, but also cover mild and moderate illness protection. In particular, protection for mild to moderate diseases with high incidence is indispensable.

So, what diseases can be covered by critical illness insurance, friends who are not sure, you can take a look at this article: What diseases does critical illness insurance cover? If you don't know these, don't buy them randomly!

2. The compensation ratio should be high.

Nowadays, many excellent critical illness insurance companies in the market can pay up to 30% of the basic sum assured for mild illness and 60% of the basic sum assured for moderate illness. Therefore, we should try to choose a critical illness insurance product with a compensation ratio of not less than the above values in terms of illness protection.

3. There is additional compensation for special age accidents.

Some excellent critical illness insurance policies on the market will also come with or choose additional benefits for special age groups, such as an additional percentage of compensation if you have an insurance policy for the first time before the age of 60. This type of critical illness insurance will provide greater protection for illness at a special age.

In addition to the above, what else does a good critical illness insurance include, let's see what experts say: a good critical illness insurance looks like this! You've been lied to for so many years.

Whether critical illness insurance is good or not, depends on your own needs, but also depends on the product itself, here is a direct list of several affordable critical illness insurance.

1. League of Nations Darwin No. 7.

Moderate and mild illness protection is excellent: after the critical illness is paid, the moderate and mild illness is still in effect, and the contract continues to be valid except for the waiver of the disease.

Critical illness compensation will be extended for 6 years: 80% will be paid for critical illness before the age of 60, 30% will be paid for moderate illness, and hidden critical illness will be paid for the second time, strengthening the protection of major liability periods.

Cancer protection upgrade: "Mild malignant tumor" and "carcinoma-in-situ" can be paid in addition, making the protection more humane.

2. Junlong Super Mario No. 8.

Excellent Moderate and Moderate Illness Protection: Minor to moderate illness has been paid for a total of 6 times, the payment method is more flexible, and after the critical illness is paid, the liability for mild and moderate illness in the same group of non-critical illnesses will continue to be effective.

High rate of sickness payouts:

Second Critical Illness Claim: If you are diagnosed with a critical illness for the first time before the age of 60 and suffer from a critical illness again after an interval of 3 years, an additional 100% of the sum insured will be paid.

Sickness Care Benefit: Before the age of 60, an additional 100% of the sum insured for the first critical illness will be paid; An additional 30% of the sum insured will be paid for the first moderate illness.

Excellent cancer coverage:

Cancer Allowance: First diagnosis of non-cancer, with an interval of 180 days After 1 year, you can pay an additional 3 times for the recurrence of cancer, 40% 50% 30% of the sum insured.

Cancer Expansion Benefit: After the first diagnosis of carcinoma in situ After the first diagnosis of mild cancer, and then the diagnosis of severe cancer, an additional 30% of the sum insured will be paid.

Obvious rate advantage: under the same protection conditions, the premium advantage is more obvious.

Excellent coverage for critical illness and mild to moderate illness, abundant coverage for cancer, and obvious rate advantages.

Cost-effective: The guarantee content is upgraded, and the advantages are still obvious.

The basic protection is solid, the optional benefits are rich and practical, and the cancer protection is innovative and very cost-effective.

3. Ruihua Health, Qinganwei.

Closed-loop protection for self-contained illness: After the critical illness is claimed, the benefit for mild and moderate illnesses that are not in the same group is still effective; In addition, after the mild and moderate illness claims are paid, an additional 20% of the sum assured will be paid for different groups of critical illness benefits.

Optional male and female special illness protection: Before the age of 65, if you are diagnosed with 20 special diseases for both men and women, you will receive an additional 80% of the sum insured, and increase the coverage for diseases at important stages of life.

Optional Disability Disease Care Allowance: After the age of 65, if you are diagnosed with 10 types of special diseases in the elderly, you will receive an additional 10% of the sum insured per year, with a maximum of 100% of the sum insured.

Cancer allowance is paid in tiers with short intervals: for the first diagnosis of cancer, 50 40 30% of the sum insured will be paid every 1 year, up to 3 times, up to 120% of the sum insured.

Personal health management services: Additional personal health management services are provided, covering outpatient, inpatient and surgical green passes, and advanced MDT multidisciplinary consultation for the diagnosis of critical diseases.

The basic guarantee is solid, with its own closed-loop protection for diseases, and the optional responsibilities are distinctive.

The above three critical illness insurances are worth a look, but they may not be suitable for everyone.

Although critical illness insurance that suits us is good insurance, we are always worried that our policy will be lost, so we always think that the bigger the company, the better the insurance product, but not all the products of large companies are the best! Previously, we had targeted Ping An, China Life, AIA, Taiping, etcThe ace critical illness insurance products of large companies have made an evaluation list"Peace, National Life, AIA, Taiping....The evaluation list of critical illness insurance products of the most comprehensive large companies on the whole network

Among the top critical illness insurance companies in the above evaluation, it is considered that Kanghuibao is the most cost-effectiveWhy is everyone interested in Comvibo? 》

Because there is no limit to the age of policyholding, and a critical illness diagnosed before the age of 60 can also pay 160% of the sum insured in a lump sum. In general, whether it is in terms of the amount of compensation, the high incidence of mild to moderate disease coverage, or the second compensation for cancer, Centennial Life's Kanghui Insurance is more cost-effective and more comprehensive.

Large companies do have good products, but if we only pay attention to whether the company's brand is well-known and the marketing and promotion of strong insurance companies, we will naturally forget the most important points that should be paid attention to when buying insurance:

1.Duration of Coverage

Usually we are very entangled in this question, whether to protect until the age of 70 or 80 or for life? You can take a look at this and make a decision: here is a solution for everyone, choose to protect for life, but choose a product that pays an additional 50 60% before the age of 60, so that even if it is 300,000 insured, you can pay 480,000 before the age of 60.

2.Death liability

Critical illness insurance with death liability will pay you both illness and death. Premiums are more expensive than products without death liability. However, there is no liability for death, and the premium is greatly reduced, reducing the pressure of payment.

So there is no standard answer, the suggestion is to add it when the budget is sufficient.

3.Number of critical illness claims

The form of critical illness insurance generally is:

Single Claim + Multiple Cancer Claim.

Multiple Claims + Multiple Claims for Cancer.

Here's a copyAn 8-point guide to the importance of critical illness insurance coverageThe more relaxed the health notice, the better.

There is an additional benefit for the Critical Illness Benefit.

Mild to moderate illness coverage is best if the coverage is comprehensive for high-incidence illnesses.

The lower the premium, the better.

Coverage for specific illnesses should preferably be comprehensive for high morbidity.

The shorter the interval between multiple claims for cancer, the better.

The grouping of multiple claims for critical illness is good.

Death liability is optional.

Therefore, after summarizing the three necessary criteria, we can make targeted comparisons when we choose critical illness insurance from major insurance companies for ourselves or our families, what critical illness insurance is worth buying, and what are the reasons for buying it"Critical Illness Insurance That Can Cover Critical Illness, What Critical Illness Insurance Is Worth Buying".

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

The better companies for critical illness insurance are Pacific Insurance, Chinese Insurance, Zhongan Insurance, Chinese Life, Ping An Life, and the critical illness insurance of any insurance company is very good, depending on your needs.

There are three types of critical illness insurance:

Regular consumption, generally to protect the 60-year-old, 70-year-old, the insurance premium is non-refundable, if there is no claim, the money is consumed, the premium** is relatively lowest.

Lifetime return type is guaranteed for life. If you get sick and you lose money, you won't get sick. In case you are not here, the money will be left to your family.

The regular return type guarantees that you will lose money when you are sick at the age of 70 or 80, and you will not return the original funds to supplement the pension when you are sick at the age of 70 or 80.

You can communicate with several large insurance companies on the Internet first, see the services they provide and the fit of your needs, and then compare, pick one that you think is suitable to decide, but friendly advice, don't believe in some dividend income, these are gimmicks of insurance, pick the one that actually protects you, at present, large domestic insurance companies such as China Life, PICC, Xinhua, and the Pacific Ocean are relatively large and will be relatively stable.

The most important thing to buy insurance is to buy insurance that suits you, and it doesn't matter which company's products you buy, but you should pay attention to the following points when choosing critical illness insurance:

1. Guarantee period: the longer the guarantee period, the higher the guarantee period; Health accompanies a person's life. Critical illness insurance is primarily purchased to prepare for medical treatment** in case of an emergency, and the longer the payment period, the better.

Due to the long payment terms, while the total payment may be slightly larger, each payment is small and does not place too much burden on the family. Aside from factors such as interest, the actual cost may not be higher than the one-time payment method.

Because many insurance companies stipulate that if a critical illness insurance premium is paid during the payment period, the insurance contract will continue to be valid from the date of payment without paying future premiums. That is, if the insured person is seriously ill in the second year and chooses to pay for 10 years, the actual insurance premium will only be paid one-fifth. If you pay for 20 years, you will only pay 1/10 of the premium.

2. The proportion of the down payment when suffering from a serious illness: 100 compensation should be paid, not in installments.

3. Whether there are uncertain items in the insurance clause: for example, "adjustable interest rate" - unfair terms.

4. Coverage: The number of diseases is not the determining factor (most other diseases are diseases with a low incidence or high degree of subdivision), but it should be noted that the insurance liability for terminal diseases can be paid in full? (In the event of a SARS disease in the future).

5. Death liability: Due to the more severe claim conditions for some diseases, when the disease has not yet reached the claim conditions (or can be compensated or cannot be compensated) but is life-threatening, the first method of death liability for this disease will be completely different. The amount of insurance, no interest-free surrender premium, the difficulty of claim settlement will be very different!

This is very important! To avoid future lawsuits, choose the former).

6. Whether to pay dividends: The main insurance is a participating life insurance, with additional critical illness insurance - the longer the time after insurance, the more dividends you will get, and you will pay more costs when purchasing, but you can offset some of the losses caused by inflation.

7. Claim conditions: the annotated part of the clause - horizontal comparison, the difference is still quite big! For example, stroke, head trauma, etc., some products will be compensated six months after the occurrence, and some can be compensated after six weeks, providing sufficient cash for the later ****; For example, Alzheimer's disease is only 65 years old, and people in their 60s are still healthy.

China Merchants Cigna Insurance Company is better.

For the purchase of domestic critical illness insurance, it is more prudent to choose an insurance company with a large scale, good reputation and high reputation. For example, China Merchants Cigna is not bad. China Merchants Cigna is not only a Sino-foreign joint venture life insurance company, but also an insurance company trusted by consumers.

After choosing an insurance company, the choice of insurance is also very important. For the choice of critical illness insurance, it is best to meet your actual needs. In this way, you can choose a more appropriate critical illness insurance product for yourself.

A critical illness insurance is good or bad.

1. Look at the premium**:

In any case, ** is always the most sensitive decision-making factor for everyone. If you want to save money, consider consumer-based critical illness insurance that does not cover death liability or make a low protection period; Budget well, focus on life-long critical illness insurance that includes life insurance liability.

2. Look at the content of the guarantee:

Single Illness Benefit vs Multiple Benefit vs Death Benefit. The richer the coverage, the more expensive it is. It's good to be enough, there's no need to be greedy, it's enough to pay for the disease many times, and if you pay too many times, you won't have the blessing to enjoy.

Critical illness insurance is better to buy whole life critical illness insurance.

Whole Life Critical Illness Insurance provides lifelong protection to the insured. There are two forms of lifetime protection, one is critical illness protection for the insured until the death of the insured; The other is that when the insured survives to the limit age agreed in the contract, the insurer pays the insurance money equal to the amount of critical illness insurance, and the insurance contract is terminated.

To understand critical illness insurance, it is very, very important to know the scope of liability of critical illness insurance. Most of the cases of critical illness insurance refusal are due to the policyholder's lack of clarity about the scope of product liability, resulting in a clear purchase, but when there is a problem, it is not protected! It is possible that what you think is a critical illness is not covered by the purchased product!

General critical illnesses have the characteristics of "high mortality, high cost, and high morbidity", and there are generally more than 30 types of critical illnesses, including 6 types of compulsory insurance, 19 types of optional, a total of 25 types.

Although the rate of critical illness has increased significantly, we still have to continue to bear family responsibilities after illness, such as the protection of parents' pension, children's education, housing loans and the original quality of life. This has forced us to take our health more seriously and face up to the risks we face. That's why Dr. Barnard designed critical illness insurance in the hope that those patients would have a benefit to replace their income from not being able to work after surgery, so that they could live better.

Despite the increasing number of people paying attention to and buying critical illness insurance, the increasing number of products and innovations in the market, and the rapid pace of upgrades, Zhang Yongqiang believes that there are still several shortcomings in China's critical illness insurance market.

One is that the needs of older people are not being met. The second is that there is still a lot of controversy about the affordability and cost-effectiveness of critical illness insurance, or that there is still a lot of controversy about the cost-effectiveness of critical illness insurance.