Adults first recommend Darwin No. 6, the biggest advantage of this serious illness insurance is that "you can enjoy three guarantees for one money".
The first is the basic benefit: 110 kinds of serious illness pay 1 time, 100% of the sum insured; 25 kinds of moderate illness can be paid 2 times, 60% of the sum insured each time; 50 kinds of minor illness pay 3 times, each time 30% of the sum insured.
The second is the high-incidence major illness benefit: before the age of 30, if you get 20 specific major illnesses for the first time, you will pay an additional 100% of the sum insured, and you will lose 1 million yuan for 500,000 yuan.
The third benefit is the Recovery Benefit for Serious Illness, which is equivalent to one additional major illness benefit before the age of 60.
Suppose a 30-year-old man buys 500,000 sum insured, and after losing 1 million yuan for cancer, the major illness insurance amount becomes 0 but the contract will not end, and then every 1 year, the major illness insurance amount will increase by 20%, and after 5 years, it will recover to 100%.
For example, if you have another serious illness (acute myocardial infarction) after 3 years, you will lose 60% * 500,000 = 300,000; if you are 5 years to 60 years old, you will lose 500,000!
These benefits are all available on the purchase, and there is no need to spend extra money.
30-year-old men buy 500,000 yuan, protect a lifetime, and pay 5515 yuan / year in 30 years. Insufficient budget, can be guaranteed to 70 years old, as long as 3390 yuan / year.
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