Critical illness insurance is an easy to overlook, but important type of insurance.
Especially the pillars of the family, there are old and young.
In the event of a serious illness, unable to work, the family's source of income is interrupted.
What about the high cost of treatment and rehabilitation?
Where does the children's education money and parents' pension money come from?
Many friends are aware of the seriousness of this problem, so they hope to use adult critical illness insurance to transfer risks in advance.
So what other adult critical illness insurance is worth buying right now?
Today, let's take a look at the latest adult critical illness insurance recommended list in October.
The first and second parts of the article will detail what critical illness insurance is for and how to choose a critical illness insurance that suits you.
Friends who do not know much about critical illness insurance, must take a closer look.
In the third part of the article, we selected the most suitable critical illness insurance products for adults from hundreds of products, and gave the best insurance plan.
If you want to see the plan directly, you can skip to the third part.
You can also leave a message for "adults" to receive the comparative information of adult critical illness insurance currently on sale for free, and take it back for reference and selection.
01
What is Critical Illness Insurance?
To put it simply, when the insured's disease reaches the claim standard, the insurance company will directly hit the insured's account with the specified sum insured at one time, and let him spend it without any usage restrictions.
Many people complain that the threshold for serious illness insurance claims is high, and people are hospitalized and operated, why can't it be considered a "major disease"?
Critical illness here refers to diseases that are life-threatening, expensive to treat, and take a long time to recover.
For example, cancer, acute myocardial infarction, severe stroke, etc., these diseases abound in our life circle.
With the rapid development of medical technology, they are not necessarily "terminally ill", but they cost a lot of money to treat them.
Taking cancer as an example, the annual cancer treatment cost ranges from 100,000 ~ 800,000, which usually lasts for a long time of treatment, and even requires long-term cancer survival.
Excerpted from the National Health Education Textbook for Prevention of Major Diseases
In addition to the cost of treatment, many people overlook the changes that major illnesses can bring to families:
Household incomes have shrunk dramatically, the burden of living has increased, and the stress is on the non-sick spouse, and the effects will last for a long time.
In addition to spending money, getting a serious illness will make people unable to earn money.
You may not know that the founder of critical illness insurance is actually a heart surgeon.
He has treated hundreds of heart or organ transplant patients.
He saved so many people, but he rarely saw the smile of the aftermath from the faces of the cured patients.
Because the patients have not yet had time to celebrate their new birth, they have to hurry back to work.
Even if they still need time to recuperate and recover, the various expenses at home cannot afford to wait:
"We need to leave savings for our children to earn enough money for them, rent and education funds."
Many patients even relapse shortly after discharge from the hospital and need to be treated again.
So in 1983, Dr. Barnard decided to develop a new insurance to provide financial compensation to patients with such critical illnesses.
Therefore, the role of critical illness insurance is not only to lose money to treat the disease, but to make up for the loss of income during the patient's treatment and use it for follow-up care and rehabilitation.
02
Choose a critical illness insurance plan that's right for you
Buying critical illness insurance is a headache.
Because there are many critical illness insurance brands, complex terms, and large price differences, an insurance policy may have eight or nine protection responsibilities, and the average person will be confused.
Based on years of experience, I have simplified the selection steps to 4 steps, which is suitable for almost most people.
Next, I will teach you how to choose a suitable critical illness insurance!
There is a consensus on buying critical illness insurance, that is, it cannot affect the daily living expenses of the family.
Let's look at this picture:
Family money can be roughly divided into four categories: living expenses, protection insurance, long-term stable financial management and high-yield accounts.
Everyone's family situation is different, preferences are different, and the proportions are different.
Generally speaking, the money to buy protection insurance, including critical illness insurance, is best not to exceed 5%~10% of annual income.
Adults spend more money at home, and the premium exceeds 10%, which may cause greater economic pressure.
With a mortgage, the expenditure is low;
If the family's economic situation is relatively good and there is no burden, the proportion can be higher.
Buying critical illness insurance is buying the sum insured, and everyone must have heard this sentence.
Why do you say that?
The sum insured is that after the illness, the insurance company pays a one-time payment, and you can really get the money in your hand.
As mentioned earlier, this money has two main functions:
The first is to make up for the loss of income, and the other is to treat and recover with peace of mind.
If you can't work for two or three years, you will lose 560,000 yuan.
To cope with living expenses for such a long time must be a drop in the bucket.
Many people buy critical illness insurance, there is a problem: the insured amount is not high enough.
If the serious illness is not cured, the person is gone, and the main source of livelihood for the family is cut off.
If it is cured, it also needs to rest for 3-5 years. But the mortgage and car loan, children's tuition, parents' alimony, etc., will not cost less money.
Therefore, it is generally recommended that the amount of critical illness insurance should cover the annual income in the next 3-5 years.
In this way, there is no need to drag the sick body and rush out to find a job, and the family will not "return to the pre-liberation period with one illness."
If the income is not high now, you can make the sum insured a little lower first.
In the future, when there is abundance, new products will be added.
Critical illness insurance can be paid in combination:
I bought 300,000 first, and then bought 200,000, and when the claim was settled, it was 30+20=500,000.
If you are the breadwinner of the family and the whole family depends on you to support yourself, you can appropriately make the insurance amount higher.
Generally, critical illness insurance will be divided into sum.
It is easy to understand literally, the former must be chosen, and the latter is optionally added.
According to the degree of importance, it mainly includes the following ↓↓↓
1. Optional guarantee
Mainstream critical illness insurance generally has three mandatory protections: mild illness, moderate illness, and critical illness.
Serious diseases are planted here, so don't worry too much.
In November 2020, the China Banking and Insurance Regulatory Commission (CBIRC) promulgated the Unified Revised Specification for the Use of Disease Definitions in Critical Illness Insurance:
Every insurance company's critical illness insurance products must have "28 critical illnesses + 3 minor diseases".
These 28 statutory critical illnesses, accounting for more than 95% of all critical illness insurance claims, are the core of the core.
It almost covers the needs of most of us and is completely sufficient.
However, the number of critical illness insurance products is basically more than 100.
Whether this product is ten more than that or twenty more than that, there is no substantial difference.
There is no need to spend more money for a few more serious diseases.
The emergence of mild and moderate diseases has greatly reduced the claim threshold of critical illness insurance, and the probability of insurance is also higher.
However, except for the three mild diseases that must be insured, there is no unified definition of other mild and moderate diseases.
Based on the early stage diseases of 28 major diseases that must be insured, we have compiled a map of high-incidence mild and moderate diseases.
Note: The red font is a mild disease that must be present according to the CBIRC
In particular, the first six core critical diseases are the major diseases with the highest probability of claim.
These 6 diseases correspond to mild or moderate symptoms.
These are: malignant tumors – mild, carcinoma in situ, mild acute myocardial infarction, mild stroke sequelae, unilateral lung resection, lobectomy, coronary intervention, mild chronic renal failure, and unilateral nephrectomy.
Generally speaking, mainstream critical illness insurance will not be missing in these items.
2. Optional guarantees
The most common optional coverage is and, more recently, some adult critical illness insurance plans borrow from the optional liability of children's critical illness insurance and added protection.
1. Multiple compensation for cancer
Cancer is not only the most common major disease, but also prone to recurrence and metastasis.
If multiple benefits are attached for cancer, if you have cancer, after the claim, if the cancer cells metastasize after a few years, the cancer recurs, or treatment continues, the insurance company will pay again or multiple times.
From the claim data, the probability of cancer in women is about 2 times that of men!
Distribution of male and female health malignancies in the Pacific
Therefore, female friends should strengthen cancer protection if the budget allows, such as additional cancer multiple benefits or cancer treatment allowances.
At least economically, it can "refuel" the road to fighting cancer again.
For this responsibility, it is important to remember that:
Under the condition that the premium difference is not large, the shorter the interval between multiple cancer benefits, the better, and the higher the compensation ratio, the better.
2. Disease care fund
This liability has only emerged in the last two years, but it has gradually become the standard for quality critical illness insurance.
It means that for critical illnesses that occur within a specific period of time, the insurance company will pay additional insurance benefits.
Usually before the age of 60.
This age is both the prime time for us to earn money and the time when family responsibilities are heaviest.
There are old and young, and all the risks that occur at home have to be carried around.
Choose products with additional compensation before the age of 60 or even 70, give yourself more protection in the most important stage of family economic responsibility, and the foundation of the family economy is more stable.
With the same basic coverage responsibilities, the more additional responsibilities you choose, the more adequate the coverage, but the higher the premiums that need to be paid.
The principle of selection is mainly based on the price.
If the premium is not expensive, it is also excellent to have an extra guarantee.
But if the premium increase is too much, it is not necessary.
3. Secondary compensation for critical illness
This liability is also usually covered until the age of 60.
It means that after the first diagnosis of a critical illness, after a period of time, the re-diagnosis of the critical illness can obtain additional benefits.
Generally speaking, after having a serious illness, the physical fitness decreases, and the probability of suffering from serious illness again will increase.
Critical illness secondary compensation comes into play in this case.
However, before the age of 60, the probability of getting two serious illnesses is still relatively low.
Whether it is necessary to add this responsibility depends on the personal choice.
First, let's look at the duration of the guarantee.
Critical illness insurance can be divided into sums according to the period of coverage
Term critical illness insurance covers the period from 20 years, 30 years, until the age of 60 and 70.
Regular critical illness insurance has a short coverage period and cheap premiums, in other words, high leverage.
However, the older a person gets, the higher the likelihood of developing the disease.
According to the China Banking and Insurance Regulatory Commission's experience incidence data of 28 major diseases, the probability of disease increases exponentially after the age of 60.
In women, for example, at age 70, the probability of suffering from a major illness is about half as high as that at age 60.
By age 80, the probability of suffering from a major illness is twice that of age 70.
According to the "World Health Statistics 2020" released by the World Health Organization, China's overall life expectancy is 76.4 years (75 years for men and 77.9 years for women).
With the development of medical technology, the average life expectancy will continue to increase.
If critical illness insurance coverage is only up to the age of 70, then it enters a blank period.
At that time, it is basically impossible to consider buying a critical illness insurance.
If you lose coverage at the stage where the probability of illness is greatest, you will bear the risk.
Lifetime critical illness insurance, no matter when you have a critical illness, the insurance company will pay according to the sum insured.
Don't worry about getting older, not in good health, and not being able to buy insurance.
It can also be guaranteed in the old age stage when the disease is high.
In addition, if you choose to guarantee for life, the contract will still have cash value by the age of 70.
Take Super Mario 7 as an example, the sum insured is 500,000 yuan, and the payment is 30 years. By the age of 70, the cash value of the policy was $173,150.
If you invest $2,170 of the difference between the annual regular and lifetime premiums, you would have to calculate the internal rate of return (IRR) of 4.5% to get that much money in 40 years.
This can be 40 consecutive years of annual compound interest appreciation of 4.5%, for many ordinary office workers, investment whites, where to find long-term financial products that ensure positive yield growth for decades?
Therefore, if you have a limited budget, but you want to get a high amount of protection when you are young, you can choose to apply for regular critical illness as a transition.
In this way, the economic pressure will not be too great, and the most important stage can be guaranteed.
If there is no pressure on the wallet at the moment, there is no doubt that it is more reassuring to directly purchase a critical illness insurance that protects the whole life.
Next, let's talk about how to choose the payment period.
Under the premise of the same protection liability and insurance period, the longer the payment period, the lower the annual premium, but the more the cumulative total premium.
Under the premise that the future income is expected to be stable, you can choose critical illness insurance with a longer payment period.
In addition to the low pressure of annual payment, the mainstream critical illness insurance will also come with the function of exempting the insured from premiums.
If the insured is diagnosed with the specified disease, not only can he get the claim payment, but the remaining unpaid premiums do not need to continue to pay, and the protection will continue to be valid.
A long payment period means that the premium waiver feature can be used for a longer period of time.
If you have a strong ability to pay and feel that the long payment period is more troublesome, you can choose 5 or 10 years of payment, saving the trouble of regularly depositing money into the debit account every year, and the total premium paid is less.
Therefore, when choosing a payment period, it is necessary to do what you can according to your personal age and income.
To sum up, choose a critical illness insurance that suits you in four steps:
The first step is to determine how much to spend
Ideally, the family's total premium expenditure should not exceed 10% of annual income.
The second step is how much insurance to buy
Critical illness insurance coverage should cover annual income for 3-5 years; The breadwinner of the family, the sum insured should be appropriately higher.
The third step is to see whether the guarantee is complete
Mild and moderate illnesses must be fully covered.
Each of the 28 major diseases and 3 mild diseases is present, focusing on high-frequency, mild, moderate and severe diseases.
Optional protection is available on demand, cancer multiple benefits and disease care money are preferred, and the rest depends on the price.
Step 4: Selection of protection period and payment period
When choosing the protection period and payment period, it is necessary to do what you can according to the individual's age and income.
If you have anything else you want to know, you can directly leave a message to ask, we will try our best to help you answer.
03
Specific product reviews
After sorting out hundreds of adult critical illness insurance, we have selected 4 adult critical illness insurance plans to recommend to everyone.
They are:
Super Mario 9
Little Safflower Summer Edition
iWorry-free 2.0
Perfect Life 2024
If the picture is not clear, you can leave a message "adult" to get a high-definition large picture for free↑↑↑
Let's analyze them one by one.
Super Mario series adult critical illness insurance is a product of the king fried level of previous generations.
This new product, Super Marie 9, lives up to expectations and is still the top 1 product in adult critical illness insurance.
1. Required responsibility
There is little change in mandatory responsibilities compared to Chaoma 8:
110 kinds of critical illness, 100% of the sum insured, 1 time;
35 kinds of moderate diseases, 60% of the sum insured each time, 40 kinds of mild diseases, 30% of the sum insured each time, a total of 6 times can be compensated.
What does that mean?
That is, severe illness can be compensated 1 time, mild and moderate disease can be compensated 6 times.
After the severe disease is paid, the mild and moderate disease can also be compensated.
Whether it is 1 moderate disease and 5 mild diseases, or 5 moderate diseases and 1 mild disease, or 6 moderate diseases, it will be compensated.
This is equivalent to increasing the number of payouts in disguise.
Of course, there are still requirements for compensation: mild and moderate diseases and previously diagnosed serious diseases cannot be the same group of diseases.
The serious illness group, you can refer to the following table ↓↓↓
2. Optional responsibility
Option 1, the second critical illness insurance benefit:
If a critical illness is diagnosed for the first time before the age of 60, and after a gap of 3 years, the same major disease (different parts) or other critical illnesses diagnosed differently from the first serious illness will be paid 120% of the basic sum insured, and there is no age limit.
In order to facilitate everyone's understanding, I will give you a few examples ↓↓↓
As a single-payer critical illness insurance, Super Marie directly achieves the protection that can be compared to multi-payment critical illness insurance.
Better than many multi-payout critical illness insurance.
However, there are 2 small details to note:
First, there is an age limit, which needs to be before the age of 60;
Second, there is a time interval limit, which requires an interval of 3 years.
Option 2: Sickness Care Insurance:
Critical illness protection: 80% of the basic sum assured before the age of 60;
Medium Illness Benefit: An additional 30% of the basic sum assured before the age of 60.
The main role of sickness care insurance is to allow us to obtain a higher additional sum insured on the basis of the main insurance sum insured.
Whether it is for small partners with sufficient budgets and pursuit of top-level configuration, or for small partners with limited budgets but also eager for high protection, this guarantee responsibility is very meaningful.
Option 3: Multiple compensation for cancer:
If a serious illness other than cancer is diagnosed for the first time, after an interval of 180 days, if the cancer is diagnosed, 40% of the basic sum insured will be paid.
If the first diagnosed serious illness is cancer, then after the interval of one year, persistent, metastasis or recurrence, you can pay 40% of the basic sum insured again, up to 3 times (40% of the basic sum insured in the first year, 40% of the basic sum insured in the second year, and 20% of the basic sum insured in the third year).
If you have a family history of cancer, or if you want to strengthen your cancer protection, you can focus on adding this benefit.
Optional 4, malignant tumors - severe extended insurance benefits
Super Mario 9 has strengthened the protection of high-incidence "carcinoma in situ" and "mild cancer":
After the first diagnosis of "carcinoma in situ" or "mild cancer", if the cancer is diagnosed later, you can pay an additional 50% of the basic sum insured, which is very real.
It is very common in reality that the condition after developing cancer is very common, and every patient may face a situation where the disease progresses further and requires more funds for treatment.
Super Mario 9's Cancer Extension Insurance is very cheap and can be owned for just a cup of coffee:
300,000 basic sum insured, 30 years paid, guaranteed for life, only 30 yuan for 30-year-old men and 45 yuan for 30-year-old women.
The protection is real, the premium is very cheap, there is simply no reason not to choose.
3. Price
Super Mario 9 has comprehensive basic responsibilities, rich and practical additional responsibilities, and can be arbitrarily matched according to our needs and budget.
And the price is also very friendly.
Although it is a product with a predetermined interest rate of 3.0%, the price increase is not very high, and it is controlled at about 5%.
Even the mandatory + disease care fund has the same responsibility as the 3.5% priced competitor, and the price is about 3% lower.
Very good deal!
And in the horizontal comparison of the products currently on sale, there is also a good price advantage.
Compared with the summer version of another product on our list, the Chaoma 9 is almost 7%-9% cheaper;
Additional secondary serious illness is 5%-8% cheaper than small safflower;
Disease care money is 8%-9% cheaper than safflower;
Malignant tumors secondary Mary 9 are 17%-18% cheaper than small safflower.
Another aspect is that the maximum payment period of Super Mario 9 has been extended to 35 years.
The ultra-long payment period greatly reduces the pressure of our annual single payment.
Combined with the exemption function, it is still very fragrant.
Two more famous series in the adult critical illness insurance market, one is the Super Mario series mentioned above, and the other is the Darwin series to be mentioned below.
These two are basically our first choice for adult critical illness insurance.
Super Mario has been updated to No. 9, and the Darwin series has also ushered in a new model, which is the Little Red Flower Summer Edition launched by Guofu Life.
1. Basic guarantee
At present, most of the critical illness insurance products on the market, the serious illness compensation is completed, mild and moderate diseases can also be compensated, basically standard.
The Little Red Flower Summer Edition is such a standard:
Critical illness covers 110 diseases, 1 compensation, 100% of the sum insured;
Medium disease covers 35 diseases, not grouped, 3 times, 60% of the sum insured each time;
40 minor diseases, not grouped, paid 4 times, 30% of the sum insured each time.
The types of disease coverage are still relatively complete.
At the same time, Little Red Flower has a very user-friendly setting:
If you have a mild/moderate illness during the waiting period, only the disease is exempted and the contract continues to be valid.
You know, in general, other critical illness insurance products will terminate all benefits in this case.
2. Optional responsibility
Optional 1, the second critical illness insurance benefit:
Before the policy anniversary of the age of 60, for each year from the date of first critical illness diagnosis, the critical illness sum insured will be restored by 40%, and the maximum recovery will be 120% (limited to one time for different types).
This design follows the Darwin 7, but there is a certain improvement in the rules of the payout ratio.
By attaching this responsibility, the product form was upgraded from "critical illness single payment" to "critical illness 2 compensation".
Although compared to the Super Mario 9 next door, it is a bit untouchable.
But something is better than nothing.
Option 2: Sickness Care Insurance:
Before the first policy anniversary of age 60:
For the first diagnosis of mild illness, an additional 15% of the sum insured will be paid;
For the first diagnosis of moderate disease, an additional 30% of the sum insured will be paid;
If you are diagnosed with a critical illness for the first time, you will pay an additional 80% of the sum insured.
Compared to Darwin 7, this liability has also been upgraded, adding an additional 15% rule for minor illnesses.
Option 3: Extended insurance benefits for specific cardiovascular and cerebrovascular diseases
The contract stipulates 10 specific cardiovascular and cerebrovascular diseases if:
If a serious illness (non-specific heart and brain disease) is diagnosed for the first time, after the interval of 180 days expires, the specific heart and brain disease can be diagnosed with 120% of the basic sum insured, limited to 1 time;
If a serious illness (a specific disease of the heart and brain) is diagnosed for the first time, and the same cardiovascular and cerebrovascular disease is diagnosed after the interval of 365 days, 120% of the basic sum insured can be paid, limited to 1 time.
Specific 10 specific heart and brain diseases, including these:
- Severe acute myocardial infarction
- Severe stroke sequelae
- Coronary artery bypass grafting
- Severe encephalitis sequelae or severe meningitis sequelae
- Heart valve surgery
- Severe idiopathic pulmonary hypertension
- Aortic surgery
- Severe primary cardiomyopathy
- Severe third-degree atrioventricular block
- Severe aortic dissection hematoma
Compared with general products, which are limited to myocardial infarction and stroke, Xiaohonghua has 10 kinds of cardiovascular and cerebrovascular diseases, and the protection is more comprehensive.
Option 4: Extended insurance benefits for malignant tumors or carcinoma in situ:
(1) "Malignant tumor-mild" extended benefit benefits: 30% of the basic sum insured
the first nonmalignant neoplasm - mild, after an interval of 180 days, the confirmed malignant neoplasm - mild;
First malignancy - mild, after an interval of 3 years, the diagnosis of malignancy is mild (limited to different organs).
(2) Extended benefit for carcinoma in situ: 30% of the basic sum insured
the first carcinoma in situ, after an interval of 180 days, is diagnosed with carcinoma in situ;
The first carcinoma in situ, after an interval of 3 years, is diagnosed with carcinoma in situ (limited to different organs).
(3) "Malignant tumor-severe" extended benefit benefit: 120% of the basic sum insured
the first nonmalignant neoplasm - severe, after an interval of 180 days, the diagnosis of malignant neoplasm is severe;
First malignancy - severe, after an interval of 3 years, confirmed malignancy severe, including new/recurrent/persistent/metastasis.
The secondary compensation liability for cancer in most critical illness insurance on the market is basically limited to severe malignant tumors.
The little safflower has innovatively increased the secondary compensation of [mild malignant tumor] and [carcinoma in situ].
However, it should be noted that the two diagnoses of malignant tumors - mild and carcinoma in situ - must be different organs.
In addition, when applying for insurance, these three responsibilities are bundled and need to be checked at the same time.
3. Price
Although the little saffron is very good and has many innovative highlights, there is a big disadvantage that it is expensive.
We compared Super Mario 9 earlier.
It is 5%-19% more expensive than others.
However, the protection of cardiovascular disease is quite good, the cost performance is also OK, if there is a history of cardiovascular disease at home, you can consider small safflower.
The underwriting company of iWorry-Free 2.0 is Chinese insurance, a Fortune 500 company, and the big brother in the insurance industry, and its strength is undoubted.
More importantly, for people with abnormalities in their physical health, such as various nodules and non-standard bodies such as three highs, iWorry-Free 2.0 is very friendly.
It not only continues the advantages of a generation of health notification + underwriting leniency, but also upgrades in terms of protection.
1. Loose insurance
Most of the occupations insured by critical illness insurance are limited to 1-4 categories, and people engaged in 5-6 high-risk occupations cannot be insured.
iWorry-Free 2.0 insured occupations are relaxed to categories 1-6 (excluding death version), and high-risk occupations such as firefighters and air conditioner installers can also be insured.
Health notices are even less common.
General critical illness insurance products will ask if there are any abnormal examinations in the past 1 or 2 years at the time of health notification.
iWorry-free 2.0 does not require this, only asks about TCT test abnormalities.
In addition, it is very friendly to people with breast nodules, thyroid nodules, hepatitis B, gastric polyps, and intestinal polyps, and can be directly insured if they meet the requirements.
Take breast nodules, for example.
Generally, the health notification of critical illness insurance will be inquired, as long as it is "present or was", it needs to be truthfully informed and enter the intelligent underwriting link.
iWorry-free 2.0 For breast nodules, as long as there is an ultrasound report within 1 year and the following description is not present in the report:
Nodules/masses are irregular or burr or unsmooth, blood flow is abundant or abundant, point-like strong echo or microcalcifications, axillary lymphadenopathy, BI-RADS grade 3 to 6.
It can be directly underwritten by the standard without entering the intelligent underwriting process.
Another example is stomach polyps.
Most critical illness insurance health notices will also inquire, and underwriting generally requires "has been surgically resected and the pathological result is benign" before it can be insured.
If the stomach polyp meets the requirements of [has done pathological examination and the result is not adenomatous polyp], it can be directly insured if it meets the requirements.
All in all quite friendly.
Friends who have physical abnormalities but want to have critical illness insurance coverage are very suitable.
2. Complete protection
iWorry-free 2.0 basic protection is simple, mainly mild, medium and severe illness + insured exemption protection.
For those with other needs, it also offers 5 optional coverages.
We can freely choose according to our needs and budget.
Including sickness care money, critical illness secondary compensation, cancer secondary compensation, cardiovascular and cerebrovascular secondary compensation, and death benefit.
In short, it basically has the mainstream responsibility in the market.
3. Large company background
Chinese Insurance is basically the big brother in the insurance industry.
Even if you don't know much about insurance, you should have heard this name.
With its bonus, after-sales claims, value-added services, etc., are basically guaranteed.
In the surging critical illness insurance market, the IP of "Perfect Life", I believe everyone must be familiar with it, the protection is very comprehensive, the cost performance is super high, and it has been widely praised!
This Perfect Life 2024 is no exception.
1. The insurance age is relaxed and the sum insured is high
As we said earlier, the higher the amount of critical illness insurance, the better.
Perfect Life 2024 has made a great upgrade at this point, increasing the maximum insured amount to 1 million, which is the highest one on the list.
Friends who want to make the sum insured as high as possible can consider it.
And it has also relaxed the insurance age to 60 years old, which is very relaxed.
Compared with most critical illness insurance products with a maximum insurance age of 55, Perfect Life Critical Illness Insurance is very intimate, and you can also have the opportunity to buy it after the age of 55.
2. More comprehensive protection
The critical illness protection after the Perfect Life upgrade is also more comprehensive, and the compensation is very powerful.
50 minor illnesses pay 30% of the sum insured, 25 types of moderate illnesses pay 60% of the sum insured, and 120 types of critical illnesses pay 100%*1 time.
Moderate and mild illnesses are paid 6 times in total with no interval.
And it is still valid after the critical illness is paid, and the mild and moderate diseases of the same group are still valid.
If a mild illness occurs during the waiting period, only the liability for that minor illness terminates, and the liability for other minor illnesses continues to be valid.
In addition, Perfect Life 2024 is a critical illness insurance that is also particularly suitable if you buy it for your child!
It continues the characteristic responsibility of children's products in the Perfect Life series IP, and the basic responsibility comes with children's special diseases and rare diseases, and the amount is increased without increasing the price!
Optional responsibilities are also more abundant, including additional insurance benefits for critical illness, extended insurance benefits for specific critical diseases, second critical illness insurance benefits, death or total disability insurance benefits, to meet more personalized choices.
Among them, after 5 years of the effective date of the critical illness additional insurance benefit, before the age of 80, an additional 100% of the sum insured will be paid for critical illness.
Most similar products on the market, the additional compensation protection is only up to the age of 60, and Perfect Life 2024 directly guarantees up to the age of 80, which is quite powerful.
3. Price
The same 300,000 insured amount, 30 years to pay, only choose the mandatory responsibility, 30-year-old men 3345 yuan, 30-year-old women 3216 yuan.
The price is between Chaoma 9 and Little Safflower.
However, a perfect life comes with children's special diseases and rare disease responsibilities, which is slightly more expensive and understandable.
Although it is not as good as the king of cost performance Super Mario 9, but overall, the cost performance is not low.
04
Write at the end
In the adult world, no one is easier than anyone, only who can carry it better than anyone.
On the one hand, we must correctly understand and rationally treat major diseases, on the other hand, we must actively prevent them, intervene as soon as possible, and make necessary economic reserves.
No insurance product is absolutely perfect, more often than not, it's a multiple-choice question.
If you are looking for value for money and want to cover everything, you can buy Super Mario 9.
If there are some special needs that need to be guaranteed, such as cardiovascular and cerebrovascular aspects, you can buy the Little Safflower Summer Edition.
If you are a non-standard group and pursue the protection of large companies, you can choose i worry-free 2.0.
If you want to do high insured, comprehensive protection and cost-effective, you can choose Perfect Life 2024.
In short, according to your own situation, finding what suits you is the most perfect answer.
If you have anything else you want to know, you can leave a message "adult" and we will try our best to help you answer.