If I buy Corning, do I need to buy cancer insurance?

To you who know this when you see this.

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, last weekend, I read through Corning's terms from beginning to end, and then wrote a detailed review:What about Corning Critical Illness Insurance?

Is it worth buying?

You can take a look.

1. What does Corning protect?

2. What are the advantages?

1. Sufficient protection: Back to the most basic protection design, minor and critical illnesses can be paid once each, not only the types of minor illnesses have reached 50, but also 7 new specific critical illnesses, which can pay an additional 50% of the sum insured, 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 the disadvantages of Corning Critical Illness Insurance?

To be honest, although Corning is backed by Chinese Life, there are still many shortcomings, such as the average amount of minor illness compensation, the current market, many critical illness insurance minor illness compensation ratio, at least 30%, and even 45% start, Corning only pays 20%, slightly lower. In addition, although there are many diseases covered, there are still some deficiencies, and other more serious shortcomings I have written aboutBig brother Chinese Shou shot again, Corning got it, and the guarantee was all there? You only know when you see it!

In this article, you can take a closer look.

In addition to Corning, I also compared the best-selling critical illness insurance products of major companies on the market this year, and you can check out this article due to the word limitTen cost-effective critical illness insurance products in 2020

It contains a number of cost-effective and cost-effective critical illness insurance products, don't miss it.

That's all for me"If I buy Corning, do I need to buy cancer insurance? "All of them, I hope it helps you! Hope!

First of all, you must buy medical insurance in social security, which is your most basic protection.

And commercial reimbursement medical treatment is not that you buy it and pay for it, look at the contract yourself, and go to a bunch of exemption clauses. The payout requirements are very demanding... If you are sick and do not meet the requirements, you will not be renewed... Anyway, I don't buy this kind of commercial insurance.

Brother Bao said insurance, focus on insurance evaluation! What about Chinese Life's Corning 2019 Whole Life Critical Illness Insurance? Let's first take a look at Corning's 2019 Whole Life Critical Illness Insurance compared to other popular 135 critical illness insurance policies in China

Top 10 Insurance Companies "Worth Buying" Popular Critical Illness Insurance Inventory!

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: 7 Specified Critical Illnesses for Kids, Men and Women with an additional 50% payout. In the unfortunate event of illness, 150% of the sum insured will be paid.

2.Corning Dual Benefits: After the add-on, you can choose to cover up to age 60, 70 and 80, and after the expiration date, the critical illness benefit will remain in effect and will refund 110% of the total premium.

This premium can be used for retirement, and the critical illness protection is still valid.

Looking at the shortcomings, there are still a lot:

1.The payout for minor illnesses is not high. There are many popular critical illness insurance companies on the market that have a payout ratio of more than 30%, and many of them are paid multiple times, but this critical illness insurance payout ratio is only 20%, and it is only paid once, which is lower than the average payout ratio in the market.

2.There is a severe lack of disease. 100 kinds of critical illnesses and 50 kinds of mild diseases with 21 kinds of special diseases at a glance I think this protection is good, the types seem to cover a lot of diseases, after I go to look at the list of specific diseases in the contract, I can see that many critical illnesses are not included, such as the familiar autologous hematopoietic stem cell transplantation, chronic respiratory failure, severe Kawasaki disease, severe hand, foot and mouth disease, severe Reye's syndrome, etc. are not in the list of diseases of this product; Even with so many types of coverage, it is not helpful to lack many common conditions.

3.The premium is too high. We can see from the premium calculation that 30-year-old men need 16,400 yuan to buy this product; If you want to cover both of them until the age of 70, the annual premium will reach 21,300.

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

Assuming that you are more interested in this product, you can also accept it, and its shortcomings are acceptable to you, you can consider buying;

Maybe this product does not meet your expectations, you can take a look at the homework I did when I bought critical illness insurance for myself before: the top ten insurance companies "worth buying" popular critical illness insurance inventory!

It can't just be said that Corning is better, or cancer prevention is better, because the scope of coverage is different.

Corning is critical illness insurance (with life insurance function), cancer insurance (without life insurance function) only covers cancer, critical illness insurance contains cancer, although cancer is the highest incidence of all critical illnesses, but can not ignore the probability of other critical illnesses, if only cancer insurance, then in case of cancer accidents in the future, not only to bear high medical costs, this cancer insurance not only can not be claimed, but also need to continue to pay premiums, which can be said to be worse.

Therefore, to give a suggestion, you can add cancer insurance to critical illness insurance, which not only ensures that there are claims when other critical illnesses occur, but also increases the sum insured for the cancer with the highest incidence.

Finally, by the way, there are still critical illness insurance and cancer insurance in the market that are better than Corning and additional cancer insurance, and some of them are more than a little better, and the premium is more than 40% cheaper in the case of better insurance liability, which can be compared.

Which is better, China Life Corning or cancer insurance? China Life Cancer Insurance and Corning Life are both fist products, of which cancer insurance is a product only for cancer, while Corning is a critical illness insurance, which basically covers all major illness or accident risks, and users can choose according to their own needs. For Chinese life, I just sorted out the relevant content, I hope it will help you:

How is Chinese life? Top 10 China Life Insurance Product Ranking List!

As can be seen from the figure, cancer insurance is a more targeted critical illness insurance, that is, for cancers with high medical costs and large mortality rates, it is designed to integrate disease compensation, medical treatment, and return to capital at maturity, especially for prostate cancer, lung cancer, breast cancer, cervical cancer, leukemia, and bone cancer. The simple metaphor is to use the interest during the insurance holding period to resolve the risk caused by the disease, so as to prevent the disease and save money without the disease. However, it does not provide adequate protection for disability caused by accidents, which is one of its major drawbacks.

What are the best cancer insurance for the elderly, and which one is better? Take a look at this year's top 10 best-selling insurance companies by insurance companies: the latest list!

National insurance companies hot-selling cancer insurance for the elderly.

Corning Life is known for its comprehensive coverage, which basically covers all critical illness or accident risks, with simple insurance liability, wide coverage, and lifelong coverage that better reflects the meaning and function of insurance.

Brother Bao's tip: Which is better, China Life Corning or cancer insurance? Both products have their own advantages, consumers should consider their age, income, family structure and family history when purchasing, if a person is 500,000 critical illness protection to calculate, it is recommended to 300,000 Corning lifetime protection + 200,000 cancer insurance protection.