Darwin series products have always had a high reputation in the critical illness insurance market.
The latest one on sale is Ruihua Health Darwin No. 8, and Darwin No. 9 Critical Illness Insurance will be launched in the near future.
Judging from the current data,
The Darwin No. 9 benefit period can be selected up to age 60, which is more flexible;
Moreover, the maximum payment period supports 35 years, which can effectively alleviate the pressure of payment, and it is also more eye-catching in terms of compensation.
So what is the specific coverage of Darwin No. 9 Critical Illness Insurance and what is the difference between it and Darwin No. 8?
Let's take a look with Dad.
For a quick consultation>>> click here:
01
How does Darwin 9 Critical Illness Insurance cover
Let's take a look at the basic information of the product first:
Annotation:
(1) The promotion period in the table is six months before the date of product launch.
(2) The product has not yet been launched, and the link after the product information is listed shall prevail.
Darwin Critical Illness Insurance No. 9 provides coverage for people under the age of 55.
At the same time, the waiting period is 180 days, and the current maximum configurable sum insured is 600,000.
Darwin Critical Illness Insurance 9 is very rich in coverage, covering 108 critical illnesses.
In addition, it provides additional coverage for 35 moderate and 40 mild symptoms.
Here's a look at the highlights of Darwin 9 Critical Illness Insurance:
1. The first in the market, the restriction on mild/moderate disease grouping after severe illness is abolished
At present, most of the products on the market are not compensable for mild and moderate illnesses of different groups after critical illness.
(List of Disease Grouping of a Critical Illness Insurance)
If Xiao Liu takes out one of the above critical illness insurances, after the occurrence of cancer,
Later, I unfortunately suffered from carcinoma in situ and could not be compensated.
But Darwin 9 Critical Illness Insurance breaks this limitation:
After the critical illness claim is paid (90-day interval), there is no restriction on mild/moderate disease grouping.
Greatly improve the level of compensation and protection.
2. Abundant optional responsibilities to meet individual needs
In addition to the above-mentioned illness coverage, Darwin 9 Critical Illness Insurance also provides seven optional liabilities,
Including death benefit, hospitalization allowance, critical illness multiple claims, etc., to meet the individual needs of different insured groups.
In particular, Darwin No. 9 Critical Illness Insurance has a critical illness premium compensation benefit.
If a critical illness occurs during the premium payment period, the insurance company will pay additional premiums paid, which provides better protection.
3. The premium is cheap and friendly to people with limited budgets
In terms of premiums, the premium standard of Darwin No. 9 Critical Illness Insurance has been reduced compared with similar products:
30 years to pay, lifelong, 500,000 yuan insured, 30-year-old men are 5,255 yuan, 30-year-old women are 4,890 yuan.
It is only four or five hundred yuan per month, and you can get comprehensive disease protection for one meal.
For those who are new to work and have a limited budget, Darwin 9 is a great choice.
02
What happened to Darwin 9 VS Darwin 8?
1. Warranty period
The most intuitive difference between Darwin No. 9 Critical Illness Insurance and Darwin No. 8 is reflected in the coverage period.
Although Darwin No. 9 currently mainly provides lifetime protection, it is expected that the second phase (60 years old) will give consumers more choices after the launch of the second phase (60 years old).
In addition, Darwin 9 can be paid over a maximum of 35 years, while Darwin 8 has 30 years.
For consumers with limited budgets, a longer payment period can spread the pressure of annual premiums, which is more affordable.
2. Coverage and compensation ratio
Although Darwin No. 9 has relatively few types of critical illness protection, it has excellent performance in the continuation of protection and the proportion of claims for moderate and mild illnesses, and is more consumer-friendly.
3. Optional Liability
In terms of sickness care and multiple critical illness insurance benefits, Darwin 9 performed even better.
For example, its critical illness premium compensation insurance benefit, this innovative feature provides consumers with additional protection, and the overall protection is more comprehensive.
03
Daddy concluded
As a new product, Darwin No. 9 Critical Illness Insurance is full of sincerity.
Not only has there been a big breakthrough in the original basic liability, but there is also an innovation in the optional liability, and the premium is also very cheap compared with similar products.
At present, Darwin No. 9 Critical Illness Insurance will also cause a lot of repercussions after it is launched, so you can pay attention to it!
Of course, there are many popular critical illness insurance in the market, and friends who want to know more can consult us >>> here