Picture: Huhu King Original
ICBC AXA Yuxiang Xinsheng Critical Illness Insurance, which is well received by the market, is bought and cherished.
Fully equipped with friendly product design + super strength background + reasonable price + industry-leading green pass service + plus quick compensation service, it is the top of the market.
ICBC AXA has launched critical illness insurance in the past dynasties, from Royal Life, Royal Life, to the current Royal Xinsheng, no matter which generation of products, it has swept the market.
You have to be curious, ICBC AXA's critical illness insurance has always led the market, and when new products come out, will it still be good?
Non-ya.
The new product has come out, called Royal Life 2024. has been sprayed to death, and I will tell you the details of the specific protection at the end.
If you are preparing to apply for critical illness insurance, or are planning to increase the sum insured, why don't you miss the royal joy this time.
Let me tell you from 5 aspects what kind of critical illness insurance is a good product.
Guarantee is precise and in place, no bells and whistles
Protection:
Critical illness, moderate illness and mild illness are all indemnified 3 times without grouping, 100%, 60% and 30% of the sum insured are paid respectively, and 1 times the sum insured is paid for specific critical illness for children, and the sum insured for death is waived, and there is no restriction on the same.
This simple sentence has included all the contents of critical illness insurance, and it is the best form of critical illness insurance at present.
Why is it so important to pay multiple claims, health insurance, including critical illness insurance and medical insurance, has health requirements, if you have a critical illness, such as a malignant tumor, you can't buy any health insurance.
We have bought critical illness insurance with a single claim for critical illness now or in the past, and if we get a critical illness in the future, the policy will end after the claim is settled. The next thing is to run naked.
Some people are going to say, I still have medical insurance.
Medical insurance can only be insured for a while, and by that time, your medical insurance may have long been ineligible for renewal.
Therefore, it is necessary to pay multiple claims for critical illness. In the event of a second critical illness, the medical expenses can only be paid out of the sum insured of the critical illness insurance.
Is there a big difference between multiple payouts in groups and non-groups?
It's huge.
Grouping is to set a threshold to reduce the probability of a second payout. When the price is about the same, why not choose a product that is more claim-friendly?
The same is true for the three same restrictions.
Many people don't understand what the three sames are, that is, whether the second critical illness caused by the same disease, the same accident, and the same surgery can be compensated. ICBC AXA can.
For example, uremia, that is, end-stage renal disease, is a critical illness that is compensated once. After n long years of dialysis, it still didn't work, and then a kidney transplant was performed.
In this case, if the 2 diseases are in the same group, the second time cannot be compensated.
If there is a restriction on the same, it is also because of the same disease, and it cannot be compensated for the second time.
There are hundreds of life insurance companies, and there is no three-way limit, only single digits.
Therefore, the terms of ICBC AXA Critical Illness Insurance are more friendly.
Normal critical illness insurance comes with an exemption from the insured, which means that no matter if you have a critical illness or a moderate or mild illness, after the loss, you don't need to pay the subsequent premiums, and the policy will continue to be valid, and a normal product will come with it.
Avoiding pits: The kind of additional products that have to be checked separately (in fact, there are really not a few dollars, maybe dozens of dollars), except for disgusting, there are no words to describe.
Let's talk about the death benefit benefit.
I know, you've also seen a lot of articles and videos saying that critical illness insurance without death benefits is much cheaper, yes, about 35% cheaper.
Consumer-based critical illness insurance is to cut off an inevitable liability, and the premium will naturally decline.
However, if you buy consumer-based critical illness insurance, and you accidentally get a very serious illness later, and you go to the ICU for a week or two, the medical insurance will cost more than 100,000 yuan, and eventually the person is gone. As a result, they are not eligible for critical illness insurance. At most, a small amount of cash value will be refunded.
At this time, I will definitely scold, insurance is a lie.
The biggest feature is that it is cheap, and it can be used with savings critical illness insurance such as Royal Xinsheng, which can not only increase the sum insured, but also reduce the premium.
As I said at the beginning of the protection part, Royal Xinsheng has completely stepped on the protection form that critical illness insurance should have. It would be perfect if the double payout for specific critical illnesses for children could be removed, or made optional, and the premium could be reduced a little bit.
Therefore, what claim ratio is increased in turn, how much additional compensation is paid before the age of 60, how much additional compensation is paid after the age of 60, and how much additional compensation is paid for specific diseases, these are not so important, at most they are the icing on the cake.
After talking about the security part, let's take a look at the company background that everyone is more concerned about, but may be misled.
This is not about the size of the company, but the background of the company.
The big companies you know, their critical illness insurance, is generally not very good, if you compare it with Yuxiang Xinsheng, it is simply impossible to see.
But if you have to recognize those super large companies, you don't care about the specific protection, and you don't care about the price. Okay, just pick your favorite.
If the company is too small or the shareholders are diverse, the stability is at stake, and the claims may be more stringent. The influencer products you see are generally from such companies.
Insurance companies with money, power and experience are more able to provide long-term and stable services.
In fact, just with the company background of ICBC AXA, their products are enough to make everyone tempted.
ICBC AXA has three major shareholders, namely Industrial and Commercial Bank of China (60%), one of the world's leading insurance and asset management groups (27.5%), and Minmetals (12.5%), a super state-owned enterprise with eight listed companies.
So, don't say that ICBC AXA Life has not heard of it.
If you haven't heard of it, is there a possibility, whether you know too little about the insurance industry, you know, just life insurance companies, there are more than 90.
However, if you often go to ICBC to do business, you must have seen ICBC AXA, because ICBC AXA's products are sold by ICBC.
There are similar insurance companies
Sino-British Life Insurance: COFCO 50% + Aviva Insurance Group 50%
GCL: PetroChina 50% + Generali Group 50%
Tongfang Global Life: 50% of Tongfang shares + 50% of Dutch Global Insurance Group
Ruitai Life Insurance: 50% of the capital of the National Energy Group + 50% of the South African Senior Life Insurance
All of the above are composed of large domestic enterprises, large central enterprises and foreign century-old insurance companies.
This kind of insurance company needs money and money, background and background, experience and experience, and service and service.
Critical illness insurance is not like annuity insurance and incremental life insurance, where we care about the cash value of the product. Critical illness insurance claims also involve medicine, and we should pay more attention to the company's stability and service.
Note: Comparison table of mainstream critical illness insurance in the market
The price of Royal Xinsheng is not expensive, and in the market, the price is in the middle/upper middle level.
Compared with traditional large companies, the price is lower and the protection is more.
Compared with several other top joint ventures, the price is slightly lower and the guarantee is simple.
Compared with private companies, the price is flat, and the guarantee has its own advantages.
Compared with Internet products, the price really can't beat. If it is not at the same level, there is no way to compare the price, which will be introduced later.
Royal Joy is a standard product (protection and price), and all critical illness insurance products can be compared with Royal Joy.
If you want the comparison table above, you can contact me.
The industry's leading green pass service
"RoyalFuture" is a value-added service that is compatible with ICBC AXA Life's "Royal" series of critical illness insurance products and product plans, covering a full range of services before, during and after consultation.
Note: Overseas second diagnosis requires an insurance amount of more than 300,000 yuan
Why ICBC AXA's green pass service industry is a leader, because the service content is comprehensive, efficient, and the access threshold is low, as long as you buy ICBC AXA's critical illness insurance (the minimum premium requires 1,000 yuan), you can enjoy the green pass service.
There are many insurance companies' green passes, which have a high threshold, or time-limited collocation, and ICBC AXA's green pass is unique.
Is Green Pass Important?
The sum insured can solve the problem of money, and the green pass solves the problem of medical resources and medical services. If you don't understand, you can read the content of the picture above again.
When it comes to claims, ICBC AXA is amazing.
First of all, if an insured accident occurs abroad, a global claim does not need to be notarized, a certificate stamped by an embassy is not required, and a diagnosis certificate from a regular hospital is submitted directly.
Secondly, quick compensation service.
When other insurance companies are still paying within 1 day or 2 days, in July last year, ICBC AXA directly launched a 1-hour quick compensation service, which is underwritten or reinstated for more than two years, with an insured amount of less than 500,000 yuan, complete information, clear responsibilities, and the case is closed within one hour!
Note: August 9, 2023 [36-minute claim record]
Fully equipped with friendly product design + super strength background + reasonable price + industry-leading green pass service + plus quick compensation service, there is no doubt that it is a top-notch product.
My family bought the current Yuxiang Xinsheng from Yuxiang Life and Yuxiang Yisheng.
However, there are provincial restrictions on the sale of insurance products, for example, customers in Xinjiang and Inner Mongolia who have been discussing the plan in the past two days cannot vote because ICBC AXA does not have a local branch.
ICBC AXA has branches in 21 provinces and cities across the country, if you are not sure whether your location can be insured, you can also ask me.
Finally, let's talk about ICBC AXA's new product, Royal Life 2024, in a word, the protection has been downgraded, the moderate disease is gone, and the mild disease still needs to be matched, basically back to the Royal Life in 2018. Anyway, it's been sprayed to death by our industry.
If you're looking for critical illness insurance, or you're planning to increase your policy limit, hurry up.
On April 1st, there was no more royal enjoyment.