The most comprehensive critical illness insurance evaluation, after reading this article, let you buy the right critical illness insurance.

As one of the four major types of insurance, critical illness insurance is relatively inexpensive, but its role is irreplaceable, so you must buy it. But at the same time, it is also the insurance with the richest guarantee responsibility and product form, and various types of critical illness insurance are dazzling;

Today, I will help you select several high-quality critical illness insurances from the numerous critical illness insurances in the market for evaluation. After reading this article, you will know how to buy critical illness insurance.

1. What's the use of critical illness insurance? Who should buy it?

Before talking about products, I still want to tell you briefly what is critical illness insurance and what is its use? Who should buy it? Otherwise, many friends bought it in a muddle and didn't know how to use it.

The full name of critical illness insurance is critical illness insurance, which is used to protect major diseases.

Don't feel that you are far from a serious illness. The probability of people suffering from major diseases in their lifetime is as high as 72. 18%!

Such as cancer (malignant tumor), cerebral infarction (stroke), myocardial infarction, senile dementia, coronary artery bypass grafting, etc. Are common serious diseases around us.

These diseases are harmful and the cost of treatment is high, which is unbearable for ordinary families. Maybe one family member will empty the whole family.

With critical illness insurance, these can be compensated.

China Banking Regulatory Commission has stipulated that all critical illness insurance in Chinese mainland must cover 28 kinds of the most serious diseases, of which 95% are women and 99% are men!

(Source: Incidence Table of Major Diseases in China Life Insurance Industry (2006-2020) issued by China Insurance Regulatory Commission).

In fact, the current critical illness insurance not only covers these 28 kinds of high critical diseases, but also basically covers more than 100 kinds of critical diseases, and the protection is absolutely sufficient.

Critical illness insurance is a payment system, that is, if it is diagnosed or reaches the state agreed in the contract, it can pay the agreed compensation in one lump sum;

We can use this money to treat diseases, subsidize families and income losses, and reserve funds for follow-up rehabilitation, as you wish.

Considering that everyone is likely to get sick, any family member who is seriously ill will be a disaster to the whole family's finances, so it is suggested that every family member be equipped with a critical illness insurance (except those who are older and cannot be insured, cancer insurance can be considered instead).

Second, how to choose critical illness insurance?

1, the insured amount must be enough.

Buying a serious illness is buying insurance protection! How much should I buy? Here is a simple calculation formula:

2. The longer the warranty period, the better.

According to the guarantee period, critical illness insurance can be divided into lifelong critical illness insurance, term/long-term critical illness insurance and 1 year critical illness insurance.

1 year critical illness insurance is not recommended for you because of problems such as rising rates, health and suspension of sales, unless your hands are really tight, you can use it temporarily;

If the budget is sufficient, the configuration is of course the best for life. After all, the older you get, the higher the probability of illness;

If the budget is limited, first configure regular critical illness insurance to 70 years old, and then add insurance when the budget is plentiful in the later period.

3. Number of payments

According to the number of times you can pay for a serious illness, there are: single payment of critical illness insurance and multiple payment of critical illness insurance.

After a single payment, the policy is over, and it is almost impossible to buy serious illness insurance in the future. Therefore, if the budget is sufficient, it is best to choose a serious illness and pay for it many times. Who knows how many hurdles life will have?

And multiple critical illness insurance will be subdivided into "grouping" and "not grouping":

Many groups pay critical illness insurance, which will divide 100 kinds of critical illness insurance into several groups. After each group pays once, the diseases of the same group can no longer be compensated, only other groups can be compensated;

Instead of grouping multiple critical illness insurance, not only can the critical illness be paid for many times, but the 100 critical illness is not grouped. No matter what kind of serious illness you pay this time, it will not affect the payment of other serious diseases. Of course, this price is more expensive.

Simply put, the order of guarantee adequacy is: multiple non-grouping > multiple grouping > single payment. The premium is also from expensive to cheap. Let's choose according to the budget.

4. It should include mild and moderate diseases with high incidence.

In fact, in addition to major diseases and mild diseases, many critical illness insurances will also be paid according to the grade ratio.

However, each product is different in which and how many kinds of moderate and mild diseases are covered. The latest revised definition of critical illness insurance includes 28 serious diseases and 3 minor diseases.

Pay attention when choosing critical illness insurance. It is best to have high incidence and common mild and moderate diseases:

5. Configuration principle

It is precisely because the product forms of critical illness insurance are too rich and the price is relatively expensive, so under the limited budget, everyone will inevitably face some trade-offs.

On the premise of ensuring the inclusion of high-incidence diseases,

The budget is very limited, and regular consumption critical illness insurance is configured; If the budget is slightly affluent, extend the protection period and allocate lifelong critical illness insurance; If the budget is sufficient, it will increase the number of payments and pay critical illness insurance many times for life.

Remember: don't reduce the insurance amount because of the limited budget! The insured amount can't be less!

The budget is limited, so we can only reduce the number of claims or shorten the protection period. We should protect the present first, and then add insurance after the budget is sufficient.

Third, the comparative analysis of hot-selling critical illness insurance

At present, in the newly defined critical illness insurance, I have summarized several products with excellent guarantee and good cost performance, namely:

Kunlun healthy pu hui duo Bei ban

Fude Life Life City Guard 1 No.

Kunlun healthy Apollo 1

Xintai China Life Ruyi Jinhulu

Fosun United Forte

Insurance advice:

Pursuing cost performance: multi-version health insurance, sufficient protection and high comprehensive cost performance;

The compensation amount is high: orange guardian 1, and the serious illness/mild illness is paid twice as much, unlimited times; Fortega, double the payment directly before the age of 60; Apollo 1, 60-year-old light, moderate and severe illness compensation amount is high;

Pursuing comprehensive protection: orange guardian 1, insurance premium for specific benign tumors, optional secondary compensation for specific major diseases, and disability insurance for special diseases of the elderly; Apollo 1, health insurance universal version of cancer protection is good, cardiovascular and cerebrovascular diseases can also be added; Ruyi gourd (first edition), mild malignant tumor and severe malignant tumor can choose to pay multiple times;

Buy for children: multi-version health insurance, Apollo 1, with extra payment for children's specific diseases;

High-risk occupations: orange guardian 1, 1-6 occupations can be cast.

Let's talk about the characteristics of each product:

Kunlun Health Security Pratt & Whitney Multi-Edition

The most cost-effective one pays multiple critical illness insurance: critical illness insurance does not pay multiple times in groups, and the probability of multiple payments is higher, and the adequacy of protection belongs to the top; The price is cheaper than a single payment, and the death liability is not tied, so the cost performance is very high; It is also appropriate to vote for children with extra compensation for special diseases of children. There are some advantages in small details that I won't go into details. Of course, there is absolutely no perfect product. Its small disadvantage is that it has weak protection against liver disease, and friends with liver disease suggest that other products can be considered. If you are healthy, the multiple version of health insurance is definitely an excellent choice worthy of everyone's attention, suitable for both adults and children.

Fude Life Life City Guard 1 No.

After the upgrade of orange guardian 1 a while ago, there was basically no short board, and the guarantee was very strong. There is no limit to the number of additional payments for serious illness/mild illness. Before the insurance 15 years, the extra compensation for serious illness and mild illness can be paid in multiple installments. Bring your own benign tumor surgery fund. Those who are diagnosed for the first time and undergo surgery for benign tumors in specific parts will be paid in proportion. Each organ is limited to 1 time, and the cumulative maximum compensation amount is 20% of the basic insurance amount; Secondary compensation can be selected for specific serious diseases, and extra compensation for special diseases of the elderly. But unfortunately, it binds the death liability, but in the products that also contain the death liability, the rate of orange guardian 1 is very advantageous. Therefore, friends with sufficient budget who are responsible for their own death deserve to consider orange guardian 1.

Kunlun healthy Apollo 1

All-around athletes with a slightly loose budget can consider paying 45%, 90% and 160% for the first time for mild, moderate and severe diseases before the age of 60! The amount of compensation is very high; It is a serious illness that has been paid for many times, and the protection is sufficient. On this basis, you can choose some high-incidence serious diseases to pay for many times, such as cancer with the highest incidence rate and cardiovascular and cerebrovascular diseases, and the protection is relatively sufficient; Finally, the price. The rate of Apollo 1 is very advantageous in the products with multiple payments for serious illness, especially the lifetime rate, even comparable to the products with one payment for serious illness.

Xintai life ruyi golden gourd (first edition)

Ruyi golden gourd (first edition) is a very simple and practical insurance for grouping and multiple diseases. The basic responsibilities are only compensation for minor, moderate and severe diseases and exemption of the insured; As a guaranteed critical illness insurance, you don't need to look at the death and the two things in the option. You can only pay for cancer in several times, covering mild and severe cancers, and you can pay twice more each. To sum up, the advantages of Ruyi Golden Gourd (first edition) are as follows: the threshold of cancer liability payment is low, and mild malignant tumors can also be paid, with two additional payments each, and the maximum cumulative additional payment is 330% of the basic insured amount, and the additional expenses are extremely low; Pay 6 times for serious illness, and the insured amount will increase by up to 200% in turn, and pay 80% for the first serious illness before the age of 60; The product is simple, does not bind any guarantee responsibility, saves the premium to the greatest extent, and the life-long premium is cheap; The overall premium of Ruyi Golden Gourd (first edition) is also very good, almost the price of a critical illness insurance. Suitable for friends who are concerned about cancer prevention, have relevant family history and want to save their lives at one time.

Fosun United Forte

The biggest advantage of Ford Plus is that the compensation amount is very high: the first serious illness before the age of 60 is directly doubled; Increase the compensation for each serious illness by 30%; Mild symptoms are also increased every time, and the maximum payment is 75% of the basic insurance amount; The proportion of compensation for chronic diseases is extremely high, 70% each time, and the compensation threshold is low; You can pay for cancer, cardiovascular and cerebrovascular diseases for three times, and the amount is as high as 160%. The compensation amount is very high, which is the same as the basic insurance amount of 500,000 yuan. Other products may be a little underwritten after 20 or 30 years, but Ford Plus is more "lasting". Moreover, there is no liability for death, so the cost performance ratio is very good, which is suitable for friends who want to reserve enough insurance deposit now, but are too lazy to add insurance in the future.

In fact, to buy insurance, the most important thing is to plan scientifically first and see which one you are suitable for;

Although the product mentioned above is good, it is the most adequate critical illness insurance, which is more suitable for friends with sufficient budget;

If your budget is limited, it is recommended to configure the one-time payment product first.

Products are always upgrading, there is no best product, only the one that suits you best. Do it as soon as you see the right one. "streaking" is the least desirable. If you configure a critical illness insurance, you won't be caught off guard when you are concerned about foreign emergencies. If you are still confused about how to insure, you can do a test to help you make an all-round evaluation, tailor the plan according to your problems and needs, and find professionals. Know how much it costs to see a doctor and get a guide to health risk protection. Help you save money and choose the right insurance!