I am 36 years old, is it better to buy Corning for life or Kangheng?

Hello, Suzhou Life Zhonghua is at your service.

The difference between Corning Life and SUS is that the protection of Kangheng is higher, and the cash value is not as high as SUS.

SUS has 9 more types of coverage than Kangzhong, but the specific coverage also depends on your situation.

You look at the coverage of SUS more than Kangzhong, whether it is what you value, if not, choose Corning for life.

All good.

First of all, the criteria for choosing a critical illness are:

1. Whether the sum insured has increased, most insurance companies have not increased the sum insured, what does it mean? Now you think it's very high to insure 10 200,000, but 20 or 40 years later, is this 200,000 insurance still worth it? Can I still be insured against this critical illness?

Therefore, it is necessary to have the function of value preservation and appreciation.

The sum insured of some insurance companies will increase every year, that is, the sum insured is changing, which can effectively curb inflation.

2. Critical illness is generally mostly extra, what does it mean? That is, after your critical illness is paid, the sum insured of the main insurance will be reduced accordingly. For example, including the products you mentioned above, they are all like this.

The main insurance is 100,000, and the risk of aggravated illness is also 100,000, and after the critical illness insurance is paid in the future, the amount of the main insurance will be reduced accordingly, so after subtracting 100,000, how much value does your insurance account have?

Corning, however, comes in the form of a master policy.

Does he make you feel safe?

- Sufficient solvency. Life insurance is expensive in protection, especially long-term protection, which requires a company's solvency. Therefore, when choosing an insurance company, it is best to carefully examine and understand the solvency of the company.

Is he suitable? --There is no good or bad type of insurance. There is only the difference between suitability and fitness, and it is important to see if a company meets my needs and has comprehensive coverage, just like facing many good clothes, we must choose a set of suitable ones.

Do you have a sincere sense of service?

- Insurance is ultimately completed by service, from the initial insurance recommendation, insurance application to the final payment, the service is always with us. Therefore, we should examine the company's services, such as whether the company's service system has passed international certification, whether it is convenient, and the service level of the company.

Here, I know that in this industry, there are three recognized sentences that say this: "brand in life", "Ping An talents" and "Xinhua products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally medium and long-term contracts, and if you buy it, you can become a lifelong happiness, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) To buy insurance, you must first protect the head of the family, if the main wealth creator of the family is not protected, then the premium? Cost of living? and other family expenses are not ***.

5) Buy insurance first adults and then children, if adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is adults who pay the relevant costs for children.

There are four principles for choosing critical illness insurance.

1) Critical illness protection must be guaranteed for life--- most critical illnesses occur after the age of 65, for most people, it is prepared when they are young and used when they are old.

2) The scope of protection must be very extensive--- there are more and more risks in modern society, and the threat to health is increasing, and the coverage of critical illness should not only cover the current common serious diseases, but also have foresight and preparation for possible new health threats in the future.

3) The amount of protection must be able to increase--- the progress of science and technology has made medical expenses show an obvious upward trend, and the impact of inflation has made the actual protection of the policy have declined.

4) The cost of insurance must be very affordable--- critical illness insurance is the safest health protection tool, which can pass on the greatest life risks with the least cost.

Buying insurance varies from person to person, because the liability of the product is not the same!

Corning, triple compensation, guaranteed for life.

Corning Life is a critical illness insurance product of Chinese Life Insurance, and the payment is different according to gender, age, and degree of protection. The guarantee is lifelong. Premiums can be paid annually.

The payment period can be 10 years or 20 years. At present, it is convenient for customers to read for the stupid group, and in order to reduce the risk of cash payment, the company generally uses transfer payment. The specific level of protection needs to be determined according to your financial ability and protection needs.

The premium that needs to be paid depends on the predetermined level of protection.

To put it mildly, you're looking at other companies' insurance.

Just call 95519 or find a marketer.

Your insurance is well designed, and there is 120,000 zhi protection for serious illness.

1. Hospitalization expenses incurred due to DAO can be reimbursed (

Back to the hospital.

2. You can get a daily hospitalization allowance when you are hospitalized.

3. Accident insurance increases personal protection (value), if it is accident medical insurance, accident outpatient can also be claimed.

Buying insurance is like buying clothes, including tops, jackets, and pants, and the same is true for insurance, right?

Your protection is comprehensive, with coverage for big things and reimbursement for small things. You are the wise!

If you have the conditions, you can pay attention to the insurance of Chinese's life and some participating insurance, which can be more icing on the cake! Best wishes!

Or don't cancel and spend a small amount of money to buy peace of mind.

I am Guangzhou picc Chinese Insurance Company, and our company also has Corning insurance, although it is not the same company, but I want to be inside.

Tell you: Don't cancel!

Insurance is just in case of emergency, and the additional insurance is not expensive, if you have the financial ability to pay, continue to pay! In addition, you can also consider some participating wealth management insurance.

Hospitalization medical insurance: 90% of the balance of social security will be reimbursed for hospitalization expenses if there is social security, and 75% of hospitalization expenses will be reimbursed without social security. The maximum is not more than 6,600 yuan.

Hospitalization allowance: 50 yuan per day after hospitalization. Accident insurance, outpatient and hospitalization in the event of an accident can be reimbursed, up to 5,000 yuan.

I wish you a good mood every day and a safe life for good people!

Don't cancel, that kind of clause is gone now, 95516, you can call this free consultation ** to ask the terms and conditions. But let me tell you clearly, all the terms and conditions of the insurance company before 09 are good. There is also the fact that the terms of these two clauses of the insurance are not as good as these two clauses, and these two clauses have been adjusted in 09 years, which is a price increase in disguise.

Whoever was insured before was the one who earned it.

。Chinese Life is worthy of the status of the big brother of domestic life insurance, and many products launched are the existence of market attention, and Corning is no different. In order to understand this product clearly, last night, I studied Corning's terms inside and out, and then made a serious evaluation report

The ace critical illness insurance of Chinese life is so complicated!

You can take a look.

It provides a detailed analysis and evaluation of Corning Critical Illness Insurance. Because it has been clearly stated in the manuscript, I won't say too much here, and I will pick two points and talk about them casually:

1. Overview of Corning's Safeguard Responsibilities.

2. What are the benefits of Corning's critical illness insurance?

1. Sufficient protection: Returning to the most basic protection design, both critical illness and mild illness are covered, not only the types of minor illnesses have reached 50, but also 7 specific critical illnesses have been added, and an additional 50% of the sum insured can be paid, and the protection is basically sufficient;

2. There are many service outlets. Chinese Life has been established for many years, has a strong offline service team, and even some very remote towns can find Chinese Life service outlets;

3. The insurance age is extensive, up to 60 years old;

3. What are Corning's shortcomings?

To be honest, although Corning has many advantages, it also has a lot of disadvantages, such as the proportion of minor illness compensation, which does not reach the level of excellent critical illness insurance, compared with the current 30% of excellent critical illness insurance on the market, Corning only pays 20%, which is slightly lower. In addition, although there are many diseases covered, there are still some deficiencies, and I have written about other shortcomingsThe ace critical illness insurance of Chinese life is so complicated!

In addition to Corning, I also compared the hot-selling critical illness insurance products of major companies on the market this year, and because there are too many highlights, I will put out the condensed version of the content, you can check out this articleA list of critical illness insurance companies worth buying in 2020

It introduces the critical illness insurance products that are worth buying this year, and see if there are any that meet the requirements for you and your family.

Check if there is a policy loan on the contract, and if there is a cash value table of 5000, you can take out a policy loan. A copy of ID and insurance contract are required.

Insurance is very good, and you can only get the insurance benefits in case of critical illness and death after you apply for insurance. It is the actual value of your life. If you surrender the policy now, you may regret it later when the risk occurs.

Tell you, no one doesn't regret surrendering the policy. After the cash value of the insurance policy is enough to reach 5,000 yuan, you can mortgage the loan.

First of all, it is recommended to check the meaning and function of insurance on the Internet Moreover, the average daily savings of only 3 yuan will not delay the normal life of a family who eats subsistence insurance Third, surrendering the insurance can only bring you the loss of funds Although I am not an employee of Chinese Life, I still know a little about Corning, which is really good! You also know that if you are seriously ill or die, why do you need to surrender the policy? When everyone is in urgent need of cash, the elders have said that it is not necessary to help the poor!

I advise you to find a friend to borrow some urgently! If a person is in dire need of cash if he gets sick, I guess his friends will avoid it! So persuade your friends to work hard to make money!!

Although it is recommended to be cautious!! I wish you a happy and happy life!!

Corning will pay for death or critical illness for life, and you can't withdraw money in the middle, and the surrender agreement in the third year is only 25% of the principal, and there is detailed reference data in the contract, or you can query customer service 95519!

What are you looking for? You can call 95519 directly.

The easiest way to do this is to call 95519

Xueba talks about insurance, focusing on insurance product evaluation! In the past two years, I have evaluated all the hot critical illness insurance in the market, and of course Corning is also among the evaluations, and the overall is still good:Click here to get a comparison chart of Corning and the latest critical illness insurance

You can take a look.

It provides a detailed analysis and evaluation of Corning Critical Illness Insurance. Because it has been clearly stated in the manuscript, I won't say too much here, and I will pick two points and talk about them casually:

1. What to protect.

2. What is commendable about Corning?

1. Sufficient protection: Returning to the most basic protection design, both critical illness and mild illness are covered, not only the types of minor illnesses have reached 50, but also 7 specific critical illnesses have been added, and an additional 50% of the sum insured can be paid, and the protection is basically sufficient;

2. There are many service outlets. Chinese Life has been established for many years, has a strong offline service team, and even some very remote towns can find Chinese Life service outlets;

3. The insurance age is wider than that of similar products, and you can apply for insurance from 0 to 60 years old;

3. What are these shortcomings, must you be careful before buying Corning?

To tell the truth, Corning still has a lot to criticize, such as the amount of compensation for minor illnesses, which is really low, and at present, the proportion of minor illness claims for many critical illness insurance companies is at least 30%, and even 45% has started, but Corning only pays 20%, which is slightly lower. In addition, although there are many diseases covered, there are still some deficiencies, and I have written about other shortcomingsIs Corning Critical Illness Insurance for Chinese Life worth buying? What are the pros and cons?

In addition to Corning, I also compared the hot-selling critical illness insurance products of major companies on the market this year, because the pair is more detailed and there is too much text, you can check out this articleHeavy! A list of the top 10 popular critical illness insurance policies worth buying in 2020！It contains a number of cost-effective and cost-effective critical illness insurance products, don't miss it.

Xueba talks about insurance, focusing on insurance evaluation! Is Chinese Life Corning 2019 Whole Life Critical Illness Insurance Comprehensive? Let's first take a look at a comparison of Corning's 2019 Whole Life Critical Illness Insurance and the popular critical illness insurance in China:

"Comparison Table of 136 Popular Critical Illness Insurances in China".

Buying insurance is to have a guarantee, not to surrender the policy or obtain the principal, and the surrender of the insurance is definitely not a small loss for yourself; It is recommended that the subject learn more about Corning's lifelong protection.

Corning's 2019 lifetime critical illness insurance has been very popular.

Let's take a look at Corning's coverage first

It can be known that this product still has several advantages:

1.High Coverage for Specific Illnesses:An additional 50% of the sum insured for specific illnesses is paid, and there are 7 specific critical illnesses for children, men and women.

If a specific critical illness occurs to you, the insurance company will pay you 150% of the sum insured.

2.Corning Optional Insurance:After the add-on, you can choose to cover up to the age of 60, 70 and 80, and after the expiration date, if there is no critical illness or high disability, you will get 110% of the total premium, and the critical illness protection is still effective.

This premium can be regarded as a pension, and the effectiveness of critical illness protection has not been interrupted.

Looking at the shortcomings, there are still a lot:

1.The payout for minor illnesses is not high. Most of the critical illness insurance on the market has a payout ratio of more than 30%, while this critical illness insurance payout ratio is only 20%, and the average payout ratio is higher than that of this product.

2.There is a severe lack of disease. When I saw 100 critical illnesses and 50 mild illnesses with 21 special diseases, there were many types of coverage, but when I looked at the list of specific diseases, many common critical illnesses were not among them, such as autologous hematopoietic stem cell transplantation, severe Kawasaki disease and other common diseases. Even if there are many types of coverage, it is useless.

3.The premium is too high. We can see from the premium calculation that 16,400 yuan is an adult male who buys this insurance alone**; Assuming that the endowment insurance (up to the age of 70) is added, the annual premium will reach 21,300.

It is indeed a bit expensive to buy only one critical illness insurance product.

If you are more enthusiastic about Chinese life and have a good economic situation, and its shortcomings are acceptable to you, you can consider starting;