We all know that critical illness insurance is also called critical illness insurance, critical illness insurance,

If you meet the conditions of the claim, you will receive a lump sum of insurance benefits.

It can be used for medical treatment, rehabilitation or mortgage repayment.

However, there are many critical illness insurance products on the market, and the coverage content is similar.

How do you know if a product is good or not?

In fact, excellent critical illness insurance products have the following things in common:

I've compiled it for everyone, let's take a look!

For quick enquiries, click here:

01

Excellent critical illness insurance has these few things in common

A good critical illness insurance usually has the following things in common:

1. The sum insured and the compensation ratio are high

We have always said that when you buy critical illness insurance, you buy the sum insured.

Generally speaking, mild, moderate and severe diseases are paid according to the following proportions:

100% of the sum insured for critical illness, 60% of the sum insured for moderate illness and 30% of the sum insured for minor illness.

However, some high-quality critical illness insurance plans will bring/add additional benefits in addition to this basic benefit ratio:

For example, Super Mario No. 11 Critical Illness Insurance comes with additional compensation for moderate illness:

If you are diagnosed with a moderate illness for the first time after the critical illness claim, you can pay an additional 40% of the sum insured.

If the insurance amount is 300,000 at that time, then if you are eligible, you can pay up to 1 million for the first moderate illness.

Many insurance companies consider flexibility, and most of the additional compensation is presented in the form of additional liability - sickness care payment.

For example, the summer version of Xiaohonghua Zhixia Critical Illness Insurance, the sickness care fund is designed with additional compensation:

If you are diagnosed with a critical illness/moderate/mild illness before the age of 60, an additional 80%/30%/15% of the sum assured will be paid.

You know, before the age of 60, most people are still bearing the financial responsibilities of the family.

And there are all kinds of mortgages, car loans, children's education expenses,

At this stage, when suffering from a major illness, the loss of financial resources is the biggest blow to the family.

This protection not only increases the amount of insurance that may be paid, but also enhances our sense of security during the burden period.

As for whether to attach or not, you can choose according to your own protection needs and budget.

2. Complete protection for high-incidence diseases

Many people may have this misconception:

The coverage for high-incidence diseases is not complete, is it good to look at the number of diseases?

In fact, the number is not the most critical.

Because the Continental Insurance Industry Association and the China Medical Doctor Industry Association have uniformly defined 28 major diseases.

These 28 diseases account for more than 95% of the critical illness claims.

In other words, if a person buys critical illness insurance and then gets a critical illness, there is a high probability that it is one of them.

In addition, these 28 high-incidence critical illnesses are completely consistent with all critical illness insurance, from the name of the disease to the definition of the disease.

The remaining diseases, which account for less than 5% of the claim, are defined by each insurance company.

Although there are hundreds of custom ones, the probability of payouts is very low.

It has little impact on the average customer, so I won't go into detail here.

If you have a family with a specific disease gene, or if you are particularly worried about suffering from certain diseases, you can read the terms and conditions in detail when applying for insurance.

We should pay more attention to whether there are all mild to moderate diseases corresponding to 28 high-incidence serious diseases.

The more comprehensive the coverage, the more comprehensive the coverage.

I also sorted out the comparison table for you:

And if it is a children's critical illness insurance configured for children, in addition to the high incidence of moderate and mild illness,

It is also necessary to focus on the coverage of 16 specific high-incidence diseases in children.

3. Health notices are relatively relaxed

In addition to passing the money bag level, the most important part of critical illness insurance is health notification.

If you want to know how to do health advice, you can consult us here.

For people who are not in good health, critical illness insurance with simple health notification and easy underwriting is an excellent product.

For example, PICC i Worry-free 2.0 Critical Illness Insurance, Recreation Life (Easy Core Version 2.0), etc.,

Their intelligent underwriting system is powerful, and most of the common diseases are very large.

For example, thyroid nodules, hepatitis B, etc., can be called the ceiling of critical illness insurance that can be insured with illness.

4. Cancer protection is relatively comprehensive

If you want to say that the most common disease is cancer, it is none other than cancer.

In the claims annual reports of major insurance companies over the years, cancer is the top 1 in claims, which is very high.

Cancer treatment is expensive and time-consuming:

And the cancer recurrence rate is also very high, and the fight against cancer is a long-term battle.

And for the vast majority of people, if they have cancer once, there is almost no insurance to buy.

With this in mind, some of the better critical illness products on the market will make multiple claims for cancer as an optional liability.

You can add extras according to your needs and budget, such as:

Super Mario 11 Critical Illness Insurance comes with a cancer expansion fund, which can be attached to cancer allowance and multiple cancer claims;

Darwin No. 9 Critical Illness Insurance and Little Red Flower Summer Edition Critical Illness Insurance can be supplemented with cancer or carcinoma-in-situ expansion fund;

Guardian No. 6 Critical Illness Insurance can be accompanied by cancer allowance and more.

In addition to this coverage, you also need to pay special attention to the conditions and intervals of claims:

A good product, multiple cancer claims should cover the new, recurrent, metastatic and persistent cancer, and the shorter the interval, the better.

Generally speaking, the first 5 years are the high incidence period of cancer recurrence and metastasis.

Therefore, it is more reasonable to pay for the second cancer after the first cancer is diagnosed with cancer at an interval of 3 years.

However, the product with an interval of 5 years is relatively not practical.

5. Value-added services are practical

An excellent critical illness insurance, in addition to losing money,

It will also provide some practical value-added services to solve the problems of medical treatment for patients.

I've summarized the value-added services of several products:

Common ones include green channels for critical illnesses, online consultations, multidisciplinary consultations, second opinions, overseas medical treatment, special drugs for malignant tumors, medical accompaniment, psychological counseling, critical illness nursing, etc.

These value-added services can greatly improve the efficiency of patients' medical treatment and solve problems such as postoperative care.

For example, the green pass for outpatient clinics, hospitalizations or surgeries for critical illnesses,

Sometimes a good doctor is hard to find, especially for a serious illness.

These green passes for medical treatment can save a lot of trouble for the patient's family.

Strive for early treatment and early recovery.

6. Low premium and high cost performance

Of course, a high-quality product must be "affordable",

Otherwise, no matter how good the protection is, the price is very expensive, beyond most people's budget, and it will make no sense.

Generally speaking, cost-effective critical illness insurance,

Usually people around 30 years old buy 300,000 insurance amounts, and the basic configuration is guaranteed for life, only more than 3,000 yuan a year.

If the budget is relatively abundant, buy about 500,000, which is only five or six thousand.

It is both affordable and comprehensive, and you can do big things with little money.

02

High-quality critical illness insurance recommended

Having said that, what are the high-quality critical illness insurance products on the market today?

We've put together the latest collections before, so check us out here.

Below I have listed a few high-quality adult critical illness insurances, such as Super Mario 11, Darwin 9, etc.

PS: If you want to apply for insurance for your child, or if you want to know about critical illness insurance with easy underwriting, you can click here to consult us to >>>

A few quick points:

If you don't have a lot of budget and pursue a higher cost performance, you can consider Super Mario 11, Darwin 9 and Little Red Flower Summer Critical Illness Insurance.

The basic protection is very comprehensive, such as Super Mario 11 and Darwin 9 support up to 35 years, and the annual premium pressure is less.

Of course, if you have a large budget and want comprehensive protection, you can also buy these 3 products, after all, their optional responsibilities are very rich.

Cancer benefits, cardiovascular and cerebrovascular disease benefits, etc., can be added to the money.

If you look at multiple claims for critical illness, it is recommended to recommend Guardian No. 6 Critical Illness Insurance.

Critical illness is not grouped for 6 times, which is very high in the current market.

If you want to have a shorter waiting period and enjoy the product guarantee as soon as possible,

The 2024 Critical Illness Insurance is recommended, and the waiting period is only 90 days.

03

Daddy concluded

In general, a high-quality critical illness insurance policy generally has the following characteristics:

The sum insured and the compensation ratio are high, the high-incidence disease protection is complete, and the health notice should be relaxed.

At the same time, it is even better to be able to take into account both cost-effectiveness and value-added services.

If you have a good budget, you can also add multiple cancer claims and illness care funds to make them more comprehensive.

However, everyone's actual situation is different, if you need to do professional personalized program customization,

Feel free to contact us here