Sino-Dutch Life Insurance Company recently launched Safe Guard Critical Illness Insurance. After seeing the protection, many people asked about multiple benefits for critical illness. Senior sister, let’s do some research. Is Sino-Holland Life’s Safe Guard critical illness insurance affordable? Is it better to pay multiple claims?

Click the link below to learn firsthand about the most concerned content about Sino-Holland Life Safeguard critical illness insurance:

Can Sino-Holland Life Insurance Safeguard be purchased? The key is to look at these points

1. How is the protection of Sino-Dutch Life’s Safeguard Critical Illness Insurance?

Without further ado, let’s first take a look at the protection content of Sino-Dutch Life’s Safeguard Critical Illness Insurance:

As can be seen from the picture above, the protection content of Safeguard Critical Illness Insurance is It’s not sound enough, but it has many flaws:

The disease protection is really not very good! First, let’s take a look at the most basic critical illness protection of Anxin Guardian. It is divided into 5 groups. Each group will pay out once, and each time it will pay out 100% of the insured amount. There is nothing wrong with the grouping of the diseases that Safe Guard protects, but its compensation ratio is not so ideal:

Nowadays, there are many multiple-payment critical illness insurance, which will set up gradients to continuously increase the compensation. Proportions, for example, Ford Plus can pay up to 200% of the insured amount; even if it is not good enough, it will set conditions for additional compensation, one before the age of 60 and one before the 15th policy anniversary, so as to ensure the coverage of critical illness;

Compared with An Xin Guan’s unchanged 1 times the insured amount, it is still very obvious: if you think about it carefully, under the same situation of buying an insured amount of 500,000, the other side will pay an additional 60% of the insured amount, which is also If it’s an extra 300,000 yuan, then of course you should choose insurance that pays more.

And additional critical illness compensation is indeed necessary for people under the age of 60: most people before the age of 60 are still working hard for their career goals and shouldering the financial responsibilities of their families. Not only should you consider your own future, but also consider that your family can live a stable life;

Once you suffer from a serious illness, the first thing that comes to mind is how to solve the high cost of treatment. The expenses at home are not only It costs a lot of money to find someone to take care of yourself and your family. Therefore, the additional compensation part is of great help to us, but the peace of mind protection aspect is relatively poor.

So for critical illness insurance that pays multiple claims, how to set up critical illness protection so as not to lose money? This article will teach you:

Is it necessary to buy multiple-payment critical illness insurance? It turns out we were all too naive!

What about other protections? It does not provide more practical secondary compensation for cancer or cardiovascular and cerebrovascular diseases. It only covers a malignant tumor-severe additional compensation, and the compensation amount is only 30% of the insured amount.

However, many critical illness insurances that pay multiple claims (such as Kunlun Insurance’s 40% of the insured amount paid three times) have set up multiple additional benefits for malignant tumors-severe additional benefits and a second compensation for malignant tumors. The second payment will be more than 100% of the insured amount of some critical illness insurance, which is really not good in comparison;

According to the recent China National Health and Nutrition Big Data Report, Chinese cancer patients have the highest number of cancer patients in the world. The proportion of cancer patients has reached a quarter. Secondly, the prognosis of cancer in China is not very good, and there are many recurrences and new cases. It is the multiple additional compensation and multiple compensation set up for cancer treatment. It is not practical to protect the malignant tumors of critical illness insurance with peace of mind - severe ones.

There is a large group of people who "talk about cancer", so everyone should pay more attention to the protection in this area. To know more key points, take a look at this article:

Is the "Second Cancer Compensation Benefit" affordable? If you don’t understand these points, be careful!

2. Is it recommended to purchase Sino-Holland Life’s Safe Guard Critical Illness Insurance?

The protection of Sino-Dutch Life's Safe Guard critical illness insurance is not very good, and the compensation ratio is very average. However, the critical illness group still separates malignant tumors-severe as a separate group, so that other critical illness The compensation will not be affected, which is very satisfactory.

However, even if the protection is so simple, the price of Sino-Holland Life's Safe Guard critical illness insurance is still quite expensive: assuming the insured age is 30 years old, the insured amount is 500,000, and the payment is divided into 30 years, the annual The premium has to be paid in the tens of thousands;

With the same insurance conditions and the same price, you can purchase critical illness insurance with more diverse protections and a higher compensation ratio. By comparison, it is found that Sino-Dutch Life Insurance Protection is not Very cost-effective, not highly recommended.

Generally speaking, Sino-Dutch Life’s Safe Guard Critical Illness Insurance does not offer any great protection, nor is the price very affordable. It is not suitable for everyone, because we can also consider other good critical illness insurance. Disease insurance.

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