Since the beginning of this year, the critical illness insurance market can be said to be seriously involuted, and after the basic protection of many products has been rolled to the extreme, they have begun to find ways to innovate in additional protection and value-added services.
But this is a good thing for us consumers, after all, it is easier for us to choose the right products for ourselves.
Today, Daddy has taken stock of the 5 cost-effective adult critical illness insurance on the market to see which product is more worth buying?
If you happen to need to supplement risk protection for yourself and your family, especially as an adult who is the breadwinner of the family, don't miss it!
For quick enquiries, click here:
01
TOP5 Adult Critical Illness Insurance
These 5 products are worth recommending:
- Junlong Life Super Mario No. 10
- Ruihua Health Darwin No. 9
- PICC Life Insurance i Worry-Free 2.0
- Fude Life is full of stars 2024
- PICC Life Insurance Darwin No. 8 Pilot Edition
Let's take a look at the product information first:
The basic protection of these products is very good, and each has its own characteristics, which can meet different protection needs.
Let's take a closer look:
1. Comparison of basic guarantees
1) Flexible and loose insurance: Super Mario No. 10, i worry-free 2.0
Super Mario 10 and i Worry-Free 2.0 both support up to 70 years old, which is relatively more flexible.
The Starry Sky 2024 is only guaranteed for life, and the Darwin 8 Pilot Edition is only available for 30 years/until the age of 70.
2) Low premium budget: Super Mario 10, Darwin 9, Darwin 8 Pilot
Super Mario 10 and Darwin 9 are both optional, which can greatly reduce the pressure of annual payment.
As a critical illness insurance, Darwin No. 8 Pilot Edition also has a low premium budget.
People with a short budget can prioritize these 3 products.
2) Short waiting period: i Worry-free 2.0, Mantianxing 2024, Darwin 8 Pilot Edition
These 3 products are 3 months shorter than the other three products, and can get coverage faster.
3) Multiple claims for critical illness: Full Sky Star 2024
Full Sky Star 2024 is, with an interval of 1 year, and 100% of the basic sum insured will be paid each time.
To a certain extent, this product ensures that multiple critical illnesses can still be compensated, so as to avoid being unable to insure other products after the first illness and being in a situation of "streaking".
4) Excellent protection for mild to moderate illness: Super Mario 10, Darwin 9
These two products are both high, and the gold content of the guarantee is very high.
Among them, Super Mario No. 10 has paid a total of 6 times for mild to moderate disease, and the compensation method is more flexible.
Darwin No. 9 does not have a mild/moderate disease group limit, which greatly improves the level of compensation and protection.
2. Comparison of other guarantees
In addition to the basic critical illness benefits, these products also have a wealth of optional benefits:
1) Death benefit
Super Mario 10, Darwin 9 and i Worry-Free 2.0 are all more flexible and can freely choose whether or not to add them.
The death liability of the Starry Sky 2024 is a mandatory liability, and the Darwin 8 Pilot Edition does not have a death benefit.
2) With multiple orders of serious illness
Starry Sky 2024 is a mandatory critical illness 3 claims.
Super Mario No. 10 is the first critical illness diagnosed before the age of 60, with an interval of 1 year/3 years, and the diagnosis of a non-homogeneous/same critical illness is the second time, and 120% of the sum insured will be paid.
If the first critical illness occurs before the age of 65, the second and third critical illness benefits can be activated, 120% of the sum insured, the interval between the two critical illnesses is 365 days, and the second and third critical illnesses are not limited to the age of 65.
iWorry-Free 2.0 requires that before the age of 60 and with an interval of 1 year, be diagnosed with different critical illnesses again, and an additional 100% of the sum insured will be paid.
The Darwin 8 Pilot does not have optional liability for multiple claims for critical illness.
3) Sickness care fund
Super Mario 10, Darwin 9 and i Worry-Free 2.0 are covered up to age 60.
Among them, Darwin No. 9, the first critical illness, moderate illness and mild illness will be paid an additional 80%, 30% and 20%,
iWorry-Free 2.0 provides an additional 80%, 30% and 10% for the first critical illness, moderate illness and mild illness.
Super Mario 10 only supports additional benefits for critical illness and moderate illness.
The starry sky 2024 is also more creative:
If the insured person is under the age of 18 at the time of application and suffers from a critical illness after the age of 60, an additional 100% of the sum insured will be paid;
If you apply for insurance over the age of 18, 100% of the additional benefit will be paid after the age of 70 for critical illness.
You must know that the probability of sudden critical illness after the age of 70 is very high, so compared with mainstream products, Fude Life Mantianxing 2024 pays more attention to the elderly and is more humane.
The Darwin 8 Pilot also varies depending on the duration of coverage:
For the first diagnosis of severe/moderate/mild disease, an additional 80%/30%/10% of the basic sum assured will be paid respectively.
The payment period of the 30-year plan is the same as the insurance period;
The benefit period of the Plan is before 0:00 on the effective date of the first policy year after the age of 60.
4) Cancer Benefit
Several products have different cancer benefits.
Super Mario 10 consists of 3 items:
If you are diagnosed with non-cancer/cancer for the first time, after an interval of 180 days/1 year, you can pay 3 additional claims for the second cancer, 40%/50%/30% of the sum insured;
For the first diagnosis of non-cancer/cancer, with an interval of 180 days/1 year, an additional 40% will be paid, with an interval of 1 year, 50%/30% will be paid for the 2nd and 3rd times, and 50% will be paid each time every 3 years thereafter, unlimited times;
After the first diagnosis of carcinoma-in-situ/mild cancer, and then the diagnosis of severe cancer, an additional 50% of the sum insured will be paid.
Darwin No. 9, "mild malignant tumor" and "carcinoma in situ" can be additionally compensated, and the protection is more humane.
iCarefree 2.0 and Darwin 8 Pilot Edition, the first diagnosis of non-cancer/cancer, after an interval of 180 days/3 years, can pay an additional 120% for the second cancer.
5) Other Benefits
Darwin 9 and i Worry-Free 2.0 also contain,
Darwin No. 9 also includes that if there is no critical illness at the age of 60, compensation can be paid after the age of 60, regardless of whether the major illness or minor illness is hospitalized.
0.1% of the sum insured will be paid every day, and the maximum amount of insurance will be 90 days per year, for example, the insured amount of 500,000 yuan is 500 yuan/day.
However, it should be noted that in the event of a critical illness or death in the future, the money will be deducted from the sum insured.
In addition, innovative settings are also made.
If a critical illness occurs during the premium payment period, the insurance company will pay additional premiums paid, which provides better protection.
Mantianxing 2024 also includes that after being diagnosed with a critical illness, with an interval of 3 years, continuous treatment is still required, and an additional 100% will be compensated
In addition, several products are included, among which the Darwin 8 Pilot Critical Illness Waiver is only included if additional Cancer Extended Insurance benefits are required.
In addition, the Super Mario 9 can be attached.
3. Comparison of value-added services
In addition to Darwin 9 and Sky Star 2024, the value-added services of several other products are special volumes, and the coverage content is also very practical.
For example, Super Mario 10 includes, in addition to regular health management services.
iWorry-Free 2.0 contains:
It includes expert outpatient services, precise triage, inpatient surgical arrangements, rehabilitation suggestions, knotting services, multidisciplinary consultations, inpatient visits and full escort services, which are practical and intimate.
The Darwin 8 Pilot Edition contains:
- Unlimited 7*24-hour telephone doctors;
- 1 reading and interpretation service of imaging, B-ultrasound and other examination results for nodules;
- 1 critical illness green pass that includes expert outpatient appointment, inpatient surgery arrangement, inpatient visit, and full escort;
- 1 multidisciplinary consultation for malignancy.
These value-added services can make it easier for the insured to seek medical treatment, receive more timely treatment, enjoy better services, and be more conducive to later recovery.
4. Premium comparison
Support the guaranteed version, the price can be lower,
Excluding death, the version of the 30-year-old to 70-year-old version, the premium of Super Mario 10 is only more than 2,000,
It only costs more than 3,000 to insure i Worry-Free 2.0 and Darwin 8 Pilot Edition, which is suitable for people with a limited budget.
In the case of lifetime insurance, including death, the price can be regarded as the floor price of the same period, and this is also a product with multiple claims for critical illness.
If you have an insurance of 300,000 yuan and pay for 30 years, you only need more than 4,000, while other products need more than 5,000.
In the case of supplementary critical illness second claim and sickness care fund, the price is lower.
With an insurance of 300,000 yuan and 30 years of payment, men only need 6,270 yuan and women only need 5,850 yuan.
02
How to choose these products?
After reading the overall comparison, how to choose the 7 products?
1. Limited budget, the pursuit of the ultimate cost performance: Super Mario 10, Darwin 9, i worry-free 2.0 and Darwin 8 Pilot Edition
As we mentioned earlier, the Super Mario 10, i Worry-Free 2.0 and Darwin 8 Pilot Editions are guaranteed with a lower premium.
In addition, the premiums of Darwin 9 are also relatively low in the case of lifetime protection, especially the price of basic protection.
If you are on a budget, you can give preference to these 4 products.
2. Pursue additional compensation for diseases: Mantianxing 2024, Darwin No. 9
In 2024, the protection of the sickness care fund is also more distinctive, and the protection of critical illness is greatly improved after being added.
For Darwin No. 9, an additional 120% of the sum insured will be paid respectively, and the additional compensation for severe/moderate/mild illness will also be relatively large.
3. Pay attention to the protection of mild to moderate diseases: Super Mario 10, Darwin 9
Both of these products are:
Among them, Super Mario 10's mild to moderate illness can be paid out 6 times, which is more flexible.
Darwin No. 9 does not have a mild/moderate disease group limit, which greatly improves the level of compensation and protection.
4. Pursue loose underwriting and want to buy products of large companies: i worry-free 2.0, Darwin No. 8 Pilot Edition
iWorry-free 2.0 has loose underwriting and is very friendly to non-standard people.
Support intelligent underwriting, some common insurance refusal diseases such as, etc.,
All have the opportunity to underwrite without having to go through a complex manual underwriting process.
The Darwin 8 Pilot does not inquire about recent inspection anomalies, and if the crowd meets the requirements, there is a chance that the standard will be covered.
Moreover, these 2 products are underwritten by Chinese People's Insurance Company, with high brand awareness, and friends who like products of large companies can consider these 2 products.
5. Pay attention to cancer protection: Super Mario 10
This product has,
In addition to the common cancer expansion fund and cancer allowance, one of the biggest highlights is the addition of multiple cancer benefit benefits, which is relatively rare in the critical illness insurance market.
On the basis of the 3-time allowance, the cancer multi-claim insurance benefit can continue to be paid an unlimited number of times.
However, the interval between each subsequent one is 3 years, and the compensation ratio is 50%, and the compensation condition is that it is still in the state of cancer (including new, recurrent, persistent, and metastasized).
It is very helpful for the diagnosis or recurrence of cancer.
It should be noted that you can only choose 1 of 2 for cancer allowance and multiple cancer compensation.
03
Daddy concluded
Among the four basic types of insurance necessary for adults, critical illness insurance is the most complex type of insurance with the most complex coverage and relatively expensive premiums, and the protection period is generally longer.
Therefore, we should be more selective and carefully check the health notices.
If there is a demand, you can take advantage of your health to configure it, especially for adults with the heaviest family burden, it is even more necessary to buy it early, after all, buy early and protect early.
If you don't know how to choose, you can click here to consult us