What is Super Mario 2020 Critical Illness Insurance Max?

Hello, Super Mario 2020MAX is a consumer-based critical illness insurance product previously launched by Cindat Life.

Super Mario 2020MAX has excellent value for money and is one of the preferred products for consumer-based critical illness insurance.

1. Comparison before and after the Super Mario upgrade

The main upgrade of Super Mario is the protection content, compared with the old version of Super Mario 2020max, the protection has been improved.

The main thing is that the premium**, Super Mario has not increased much.

Regarding the upgrade content of Super Mario, Daddy has a quick summary:

1.Critical Illness Extra Sum Assured increased from 50% to 60%;

2.Mild carcinoma-in-situ can be paid 1 additional time, and a total of 2 times can be claimed;

3.Added liability for the sum insured of the death benefit;

4.the number of specific cardiovascular diseases increased from 2 to 3;

Actually, the content of the upgrade is not huge, but it is a relatively practical thing.

Second, how about Super Mario

If you pursue high protection: worry-free life 2020

Worry-free Life 2020 has the highest coverage for moderate illness and mild illness, and in addition to the product protection responsibilities, there are also many benefits for cancer, cardiovascular diseases, and children's special diseases.

If you're looking for a specific illness benefit: Super Mario.

Super Mario can pay an additional 120% of the sum insured for both cancer and cardiovascular diseases, which is currently the highest.

If you are a female policyholder: Hengqin Preferential Treasure.

For female policyholders, the rate of Hengqin Preferential Treasure is quite cheap.

In addition, if you have a critical illness before the age of 60, you can pay an additional 60% of the sum insured, which is the highest at present.

If you're on a tight budget, insure men: Guofu Jiahebao.

Guofu Jiahe Bao is the cheapest in terms of male rates, but unfortunately it is slightly behind similar products in terms of protection, but it is not bad.

3. Daddy's summary

In the current critical illness insurance market, Worry-Free Life 2020 remains low, and consumer-based critical illness insurance is the first choice.

However, the Super Mario is not bad, continuing the excellent value for money of the Super Mario 2020max.

Super Mario 2020 Critical Illness Insurance MAX is a Word Claims Critical Illness Insurance underwritten by Cindat Life. The following is a brief introduction to the guarantee content of this product:

Coverage:

1) Critical illness benefit

Covers 110 types of critical illnesses, and if you are diagnosed with a critical illness before the age of 61, you can receive an additional benefit of 50% of the basic sum assured, and the critical illness will be paid once.

2) Moderate to mild illness benefit

25 kinds of moderate diseases, 2 claims without grouping, 60% of the sum insured each time, no interval; Compared with the general critical illness insurance on the market, the payout ratio is relatively high, which is relatively good;

50 kinds of mild diseases, 3 times without grouping, 45% of the sum insured each time, and 1 additional time for carcinoma in situ, the proportion of compensation for mild diseases is also relatively high, and it is not grouped, which increases the probability of getting compensation.

3) Death benefit (optional).

You can choose to pay the premium paid before the age of 18 for death and the basic sum assured for death after the age of 18, according to the specific needs of the policyholder.

4) Optional Liability

Cancer and cardiovascular and cerebrovascular secondary benefits. Among them, an additional 120% will be paid for cancer, and an additional 150% will be paid for cardiovascular and cerebrovascular diseases.

If you want to have a more in-depth understanding of Super Mario 2020 Critical Illness Insurance Max, you can see here: "Cindat Life Super Mario 2020 MAX Critical Illness Insurance Review".

Super Mario 2020MAX is a consumer-based critical illness insurance product previously launched by Cindat Life. As a single-claim critical illness insurance, the most prominent advantages of Super Mario 2020max are 150% critical illness coverage before the age of 60, as well as cardiovascular disease coverage.

Insured conditions

The Cindat Super Mario 2020 MAX has a wide range of application ages, with a maximum age of 55 years old.

Basic coverage

Critical Illness Claim: Super Mario 2020max only requires a diagnosis of critical illness before the age of 61, and an additional 50% of the critical illness sum assured will be paid.

Moderate Illness Claim: Super Mario 2020 MAX will pay two claims without grouping and no intervals, including 25 moderate diseases, and the compensation ratio is 60% of the sum insured.

Minor Illness Claim: Super Mario 2020 MAX Minor Illness will be paid out three times without grouping and no interval, including 50 minor illnesses, with a compensation ratio of 45% of the sum insured.

Optional Aspects of Liability

It can be added to the second claim for cancer and the second claim for cardiovascular disease, and the reimbursement ratio is 120%.

Value-added services

Super Mario 2020max comes with Insured Waiver, Critical Illness Green Pass Service, and the recent addition of COVID-19 Care Activities.

To sum up, you can objectively see that Super Mario 2020MAX is currently one of the few products with 50% more critical illness coverage before the age of 60, which is much more cost-effective than other products. Friends who need insurance can consider it. If you also want to know more about critical illness insurance products, you may wish to take a look:

Comparison table of 136 popular critical illness insurance products in China

Under the new regulations, we have evaluated more than 1,000 critical illness insurance products and selected the best 10 critical illness insurance products on the market. New Definition of Critical Illness Rankings Announced! The first place turned out to be it!

1. The advantages of Super Mario 2020MAX are:

1.The critical illness payout ratio is high, and there is a free sum insured.

Super Mario 2020max Critical Illness Insurance pays an additional 50% of the sum insured before the age of 60, which is equivalent to us buying a critical illness insurance, and the insurance company gives us a critical illness insurance with an insurance amount of 50% until the age of 60, which is quite cost-effective.

Moreover, Super Mario 2020max Critical Illness Insurance also has a high compensation ratio for moderate and mild illnesses, with a compensation ratio of up to 60% for moderate illness, 2 claims without grouping, and 3 claims for mild illness, with 45% of the sum insured each time, without compromising protection at all.

2.Specific critical illness insurance benefits can be added to pay 120% of the sum insured.

Super Mario 2020 Max can be attached to a specific critical illness, paying 120% of the sum insured, and the interval is only 180 days if it is not a critical illness for the first time.

3.Accidents during the waiting period, friendly terms.

Super Mario 2020max If the definition of the waiting period is that the coverage for the illness is terminated for mild and moderate illness, the coverage for other illnesses is still in effect, and the premium will not be refunded.

2. The disadvantages of Super Mario 2020MAX Critical Illness Insurance are:

1.The number of health notices is large, and the conditions are strict.

The maximum insurance amount is limited to 800,000, and there are women who supplement the notice, ask about the abnormal situation within two years, and ask in detail for people who smoke and drink, specific to the number of cigarettes, how much alcohol they drink, etc., so if we are not sure about the health notice when applying for insurance, it is best to consult a professional insurance planner, otherwise, there is a risk of refusal or claim dispute in the future.

2.The Critical Illness Insurance Benefit Rider is defective.

Although Super Mario 2020 MAX can be attached to certain critical illness insurance benefits, it also has drawbacks. Because he defined the second compensation for cancer and the second compensation for cardiovascular as only one type of compensation. Therefore, on the surface, it seems that there are many guarantees, but in fact, there are certain limitations.

Moreover, two compensation and one increase in premiums, and the premium for 30-year-old men is about 400 yuan more expensive, so the cost performance still needs to be scrutinized.

3.Death benefit is not included, and the overall protection is lacking.

Super Mario 2020 Max Death pays only the cash value and cannot be accompanied by a death benefit.

To learn more about Super Mario 2020MAX Critical Illness Insurance, we recommend consulting Mint Insurance, which helps customers solve their worries through a series of post-insurance value-added services such as policy trusteeship, claims assistance, and legal consultation. The high-quality service of the whole insurance process polished by Mint Insurance can truly save customers time, worry and effort in all aspects of insurance.

<> Xintai Super Mario 3 MAX: High payout ratio.

Up to 180% for severe disease, up to 75% for moderate disease, and up to 55% for mild disease;

The payout ratio is the highest of the two.

Of course, Xintai's other two Super Maries, Hetai Super Marie and Three Gorges Super Mario, have a compensation ratio that is not low.

Three Gorges Super Mario Multi Edition MAX: There are many payouts.

The number of payouts is, of course, the Three Gorges Super Marido as a multi-payout type.

The advantage of multiple claims compared with a single claim is that after the first critical illness is insured, other critical illnesses can still be covered.

Moreover, it will be much more difficult to buy critical illness insurance after the single-payment critical illness insurance claim is completed, which is actually a bit of a loss for consumers who have not yet reached the age of high incidence of critical illness.

However, the probability of suffering from two critical illnesses in a lifetime is not high, so you don't need to worry too much.

Rite-Hite Super Mario: Flexible coverage.

Rite-Hite Super Mario is a product that is optional except for critical illness protection, which is relatively rare in the market.

Not only can it choose the death liability, but the benefit period can also be selected as a term or for life.

Hetai Super Mario 2020Pro, Super Mario 2020Max: Lowest premium.

Take a 30-year-old male, insured for 500,000 yuan, insured for life, and paid in 30 years as an example, including death liability: Hetai Super Mario 2020pro has the lowest premium, 7705 6835;

No Liability for Death: Cindat Super Mario 2020 MAX has the lowest premium, 5460 5100.

The main difference in critical illness insurance is the death benefit and the duration of coverage.

Death liability can be added to the top, so that you can get a higher sum insured and more comprehensive protection.

In terms of the protection period, fixed-term critical illness insurance is indeed very cost-effective, but fixed-term to the age group does not fully cover the age group with a high incidence of critical illness.

Therefore, my dad suggested that if conditions permit, it is best to choose lifelong insurance, and regular critical illness insurance is more suitable for transitional protection.

Super Mario 2020 is a single-claim critical illness insurance launched by Hetai Insurance Company, which covers mild, moderate and severe illnesses, and the coverage content is relatively comprehensive.

The biggest feature of this product is that it is the first benign tumor that can also be compensated, so the product was very popular when it was launched. So how does Super Mario 2020 Critical Illness Insurance perform? Let's analyze it in detail with you.

Hetai Super Mario 2020, deep digging, the most detailed on the whole network.

1. The basic content of Super Mario 2020 Critical Illness Insurance

1. Guarantee content

Critical illness protection: 110 critical illnesses, 100% of the sum insured, 0-40 years old, an additional 50% of the sum insured for critical illness in the first 15 years of the policy;

Moderate illness benefit: 25 kinds of moderate illness, 2 times without grouping, the first claim will pay 50% of the sum insured, and the second claim will pay 60% of the sum insured;

Mild illness benefit: 50 types of mild illnesses, 3 times without grouping, 30% of the sum insured for the first claim, 45% of the sum insured for the second claim, and 55% of the sum insured for the third claim;

2. Optional Liability

Death Benefit: Paid premiums paid before the age of 18, basic sum assured after the age of 18;

Second Cancer Benefit: If the first critical illness is not cancer, the second claim needs to be separated by 1 year, and 120% of the sum insured will be paid for the first diagnosed cancer;

If the first critical illness is cancer, a 3-year interval is required, and the cancer status includes new, **, metastatic and continuing, and 120% of the sum assured will be paid.

Specific Benign Tumor Surgery: If a specific benign tumor is diagnosed and surgeries**, 10% of the basic sum insured will be paid, and 1 time will be paid.

Overall, there are still many highlights of Super Mario 2020 critical illness insurance products.

2. About Hetai Life

1. The basic situation of Hetai Life

Hetai Life Insurance Co., Ltd. **** (hereinafter referred to as "Hetai Life") was established on January 20, 2017, registered in Jinan, Shandong, with a registered capital of 1.5 billion yuan and the legal representative of the company is Liu Xin.

It is an innovative life insurance company that is asset-light, efficient, and highly integrated with the Internet.

Hetai Life Insurance is mainly composed of eight major shareholder companies, among which Beijing Actually Home, CITIC Guoan, Shenzhen Golden Century, and Beijing Yingke Bicheng are the most important shareholders.

2. Solvency

The solvency of an insurance company reflects the financial stability of the company.

According to the data, in 2019, as of December 31, 2019, the company's core solvency adequacy ratio and comprehensive solvency.

The capacity adequacy ratio is the same, and the solvency indicators are adequate.

3. Summary

Super Mario 2020 Critical Illness Insurance has many highlights, with a long payment period, flexible product structure (death liability optional), including the original domestic specific benign tumor benefit, and the sum insured in all aspects is relatively high.

From this point of view, there are still a lot of commendable places, and the product guarantee is very sufficient. Hope!

Super Mario Ultimate is the latest launch of Sun Life Everbright and underwritten by Sun Life Everbright.

Sun Life Everbright is the first joint venture life insurance company in northern China by Sun Life Financial of Canada, which has more than 100 years of overseas life insurance experience, and China Everbright Group, which is also owned by Anshan Iron and Steel Group Corporation and China North Industries Group Corporation.