When it comes to critical illness insurance, the "Super Mary" series must be on the list!
With excellent protection content, it is a popular influencer of major illness insurance products every year.
Recently, Super Mary 6 was officially launched!
Not only has the coverage become better, but the premiums are cheaper.
Let's take the time and get a sneak peek.
01
What are the highlights of Super Mary 6?
Let's first look at the basic situation of Chaoma 6:
Super Mary 6 is suitable for people under the age of 55, with a waiting period of 180 days.
After the upgrade, it has the following highlights:
1. The price is record low, flexible and not bundled
Super Mary 6, except for serious illness, moderate illness and mild illness are mandatory responsibilities, the other responsibilities are optional responsibilities.
Including, etc.,
You can choose freely according to your own needs and budget, very flexible!
If you buy 300,000 sum insured, the insurance is guaranteed for life, 30 years to pay, only the basic liability is selected, and the rate is as follows:
0-year-old female treasure can be bought at least 1137 yuan, and 30-year-old women only need 2961 yuan.
Ordinary working-class workers can also easily get on the bus.
2. The proportion of compensation is "against the sky", and the maximum compensation for serious illness before the age of 60 can be doubled
If you want to strengthen the protection of serious illness during the critical period of life, you can add the disease care guarantee:
That is to say, after the additional disease care payment, before the age of 60, the maximum compensation for serious illness can be doubled, and the maximum compensation for moderate illness can be 80%.
For example:
Mr. Wang bought Super Mary No. 6 with a sum insured of 300,000 yuan, and paid it for 30 years, which was guaranteed for life, and attached a disease care fund.
Two years later, Mr. Wang suffered from liver cancer and was eligible for compensation.
Then the compensation that Mr. Wang can get is: 300,000 * 200% = 600,000.
In the current critical illness insurance market, this proportion is very high.
30-year-olds, pay an extra thousand yuan a year, you can have.
Leverage is very high, it is recommended to have a budget can pick one.
3. There are fewer restrictions on the recovery of serious illness liability, and the same kind of serious illness can also be compensated
As early as the launch of Super Mary 5, the first serious illness recovery insurance premium was well received by many netizens.
However, the previous major illness recovery insurance premium has a time limit and needs to be used after the age of 60.
This year, one of the biggest highlights of Super Mary 6 is the removal of this restriction!
The compensation for the recovery of serious illness after the upgrade does not need to wait until after the age of 60, and only needs to be separated by 3 years, which greatly reduces the threshold for claims.
At the same time, if you continue to retain different kinds of diseases, or after the diagnosis of the same kind of serious illness, you can pay an additional 80% of the basic sum insured.
Mr. W bought 300,000 ChaoMa No. 6, insured for life, paid for 30 years, and attached a major illness recovery insurance premium.
One year later, Mr. W was hospitalized for severe myocardial infarction, met the conditions for compensation, and paid 300,000 yuan.
After 4 years, Mr. W unfortunately suffered from cancer, met the conditions for compensation, and paid again: 300,000 * 80% = 240,000 yuan.
But.
For example, Mr. B claimed the major illness insurance benefit due to blindness in both eyes at the age of 40, and after 3 years, he is still blind in both eyes and cannot pay the insurance premium for the recovery of serious illness.
4. The cancer allowance rate is low, and it can be superimposed with the recovery payment for serious illness
Super Mary 6 optional benefits also continue the previous cancer benefits:
Insurance companies' claims reports over the years have shown that cancer is the highest incidence of serious illness.
The road to anti-cancer is not only long, but also the cost is very high.
Super Mary 6's cancer allowance is short-lived, has higher odds and is very practical.
What's more, its rates are also extremely cost-effective:
A 30-year-old man who buys 300,000 yuan of insurance only needs to pay 579 yuan more per year to leverage up to 360,000 cancer insurance (300,000 * 120%)!
It is worth mentioning that!
02
How to buy Super Mary 6?
Super Mary 6 optional responsibilities are also many, how to buy better?
According to different situations, Dad has matched four different protection schemes to provide some ideas for reference.
Let's talk about it in a nutshell:
Option 1: Budget limited, buy basic responsibility + serious illness recovery payment
If the current budget is not much, you can only choose the basic responsibility + the recovery fund for serious illness,
Both serious and mild diseases are covered, and there is also an original protection for the recovery of serious diseases, which is sufficient.
。
30 years old, insured 300,000, male and female premiums are in the early 3,000 yuan.
Option 2: Focus on cancer protection, buy basic responsibility + cancer allowance
If the family has a history of cancer or a friend who is more interested in cancer protection,
Additional cancer benefits could be considered, with short intervals and higher payout rates
Just by adding a few hundred yuan in premiums, you can increase cancer protection.
Option three: have a good budget and look for additional compensation
If you are interested in additional compensation, you can also choose to attach a sick care payment.
Before the age of 60, serious illness and moderate illness have additional compensation, and the sum insured is high, and there is more confidence to resist risks
Ideal for the main breadwinner of the family.
Option 4: Focus on death protection
Friends who pay attention to death protection, regardless of whether they have a serious illness in the future, can get the sum insured compensation,
With a generous budget, you can attach death protection and more comprehensive protection.
Of course, everyone's needs and budget are different, and the most important thing is to start according to their actual situation.
03
Dad summed up
Overall, the upgrade and return of Super Mary 6 can be described as full of sincerity:
The choice of protection is more flexible, in addition to the basic protection, the rest are optional responsibilities;
The content of the protection is more substantial, and the major illness recovery payment has also removed the restriction around the age of 60;
The proportion of compensation is higher, with additional sickness care benefits, and the maximum double payment for serious illnesses.
Friends in need, you can always find your grandfather to learn more about it.
Daddy insurance, make insurance simpler