Of course you can buy this product. After all, every product has to be audited by the CBRC, so it still has certain reliability. The following is a detailed evaluation of Kanghuibao 2.0: "Kanghuibao 2.0 will be launched soon, and the century-old Kanghuibao critical illness insurance will be updated! 》
Let's take a look at this product.
1. What is all-inclusive insurance? We can see that if you buy a whole life insurance with a coverage of 500,000 yuan, after 30 years, men will pay 7340 yuan and women 6950 yuan a year.
1, critical illness protection
This product covers 65,438+000 kinds of critical illness insurance, with five payments of 65,438+000 each. At the age of 60, an additional 60% can be paid for serious illness, with an interval of 180 days.
At first glance, 60% of the extra compensation for serious illness of Baihuibao is quite large, but up to now, the extra compensation for serious illness of the new Super Mary 3 has reached 80%. In short, it is quite satisfactory in this respect. What deserves our attention is the grouping of high incidence and serious diseases:
We can see that the grouping situation is not bad. Spreading the high incidence and serious illness can make this critical illness insurance more valuable.
2, mild illness protection:
25 kinds of China's diseases, regardless of the two groups, pay 60% of the insured amount each time, without interval.
For 48 mild diseases, the compensation will be increased for three times without grouping, and 40%/45%/50% of the insured amount will be paid in turn, without interval.
The coverage of mild and moderate diseases is very high, but besides paying attention to the coverage, we need to know how many high-risk diseases are covered.
3. Pre-illness protection
Baihuibao critical illness insurance and Kanghuibao 2.0 are both pre-illness protection and an innovation of centennial life insurance.
12 kinds of pre-stage diseases/operations, pay 15% of the insured amount, at most 1 time.
4. Death protection (optional)
The death protection of Baihui critical illness insurance can be flexibly selected, and the basic amount of death compensation after 18 can be selected.
5. Secondary compensation for malignant tumor (bundling)
Baihuibao's multiple responsibilities for malignant tumors are tied to the compulsory responsibility of products, so there will be additional premiums when pricing products. At present, for most products on the market, multiple payments for malignant tumors are in the form of additional insurance, which can increase the flexibility of insurance.
6. Secondary compensation for cardiovascular and cerebrovascular diseases (optional)
12 cardiovascular and cerebrovascular diseases, the second payment 120% of the insured amount, interval 1 year.
7. Exemption clause
The exemption of the insured comes with the product. After the insured suffers from serious illness/moderate illness/mild illness/pre-illness, the subsequent premium will not be paid.
You need to add the applicant's exemption.
Dad's summary: To sum up, compared with popular products, the most prominent highlight of Centennial Life is that you can pay an extra 60% for serious illness. If you pursue a friend with high critical illness insurance coverage, it is also worth considering. From the perspective of comprehensive protection, Baihuibao's critical illness insurance highlights are not particularly prominent. After all, there are too many excellent products at present: "2020 list of critical illness insurance", so don't miss these critical illness insurance that has been paid many times! 》
I hope I can help you!
Source: dad insurance knowledge integration