There are also many small partners asking, is the price/performance ratio of Xinkangjian's life (easy and secure) critical illness insurance really so high? Is it really worth buying?
Today, Senior Sister will test this product to see if it is worth buying.
If you want to see more in-depth evaluation, you can take a look at this article:
Deep analysis! Is Tongfang Global's "New Jian Kang Life" (Yi Xin 'an) critical illness insurance worth insuring? 》
1. What are the highlights of Xinkangjian Life Insurance (Yixin 'an) critical illness insurance?
First of all, look at the product essence map compiled by senior sister:
1. Optional warranty period
At present, the new Kangjian life (Yi Xin 'an) critical illness insurance provides protection until the age of 70 or life.
If the income is not very impressive, and people with a lot of debts, it is best to choose to protect them until they are 70 years old, so the premium is lower than that of lifelong death.
However, it is worth noting that if the insured is still alive before the expiration, the insurance contract will be terminated and the insurance company will not return the premium paid.
Therefore, it is generally recommended that you have enough budget and must choose to protect your life.
Moreover, the insured's life-long death is guaranteed, but the insured can at least get compensation whether he is sick or not during the protection period. In this way, the certainty of payment is relatively high, so there is no need to worry about the situation that the insurance has not expired and the premium has been paid in vain. If you are in doubt about choosing a 70-year-old or a lifelong partner, you can read this article to find out:
Should critical illness insurance be guaranteed for a fixed period or for life? 》
2. Death/total disability protection
The critical illness insurance of Xinkangjian Life Insurance (Yixin 'an) now provides not only the protection of serious illness and minor illness, but also the protection of death/total disability.
If the insured dies unfortunately during the guarantee period, as long as the claim conditions are met, a death insurance premium will be obtained at that time. Even this money can be left for family and children to use, which can reduce their financial burden.
If death protection is not provided, then the insured does not die of illness during the protection period, or the result is not diagnosed when he dies of illness, so he cannot get the claim.
Except, when the insured is unfortunately totally disabled, unable to work and has no source of income during the guarantee period, the economic loss is very large in the view of the insured family.
New Jian Kang Life Insurance (Yixin 'an) supports total disability protection, which can provide the insured with a sum of compensation, effectively helping to maintain the normal life of themselves and their families.
Therefore, this protection against death or total disability can be said to be excellent.
However, it is worth noting that the insurance company only pays for one of the critical illness insurance, death insurance and total disability insurance, and the contract is terminated after the payment.
3. Insurance policy loans
Xinkangjian Life Insurance (Yixin 'an) also has the right of policy loan for critical illness insurance.
Policy loan can be said that the insured applies for a loan from the insurance company by virtue of the policy.
If the applicant is in urgent need of a working capital, he can apply for a policy loan from the insurance company to get a sum of money to solve the economic problem.
After applying for a loan, as long as the loan and interest are repaid in time, the normal holding of the policy will not be affected.
Moreover, the accumulated loan amount must be less than 80% of the contract cash value at the time of loan, and the longest loan period is six months.
Second, pay attention to this when buying critical illness insurance!
If you buy critical illness insurance, it is easy to ignore the importance of insurance coverage in general.
However, if the insured amount is too high and the payment burden is too heavy, it will affect the normal life of the insured.
If the insurance coverage is too low, in this case, it may be estimated that the insurance premium obtained is not enough to make up for the economic losses caused by the disease.
So we have to choose the right amount of insurance.
Different types of insurance need different coverage, such as critical illness insurance, which can generally be more than 300 thousand, and 500 thousand is more appropriate.
At present, there are usually hundreds of thousands to two hundred thousand major diseases on the market, and some even millions. If we don't buy enough insurance, we may not be able to protect us completely.
Besides the insurance coverage, we should pay attention to many details. Senior sister has compiled a guide for purchasing critical illness insurance, which can be read by friends in need:
How to buy critical illness insurance? If you miss this shopping guide, you will be miserable! 》
Generally speaking, the critical illness insurance of Xinkangjian Life Insurance (Yixin 'an) provides a variety of protection periods to choose from, including death/disability protection and policy loan rights. Little friends should think carefully before deciding whether to start!
Write it at the end
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