Insurance awareness not long ago, remember also went to Pacific Life Insurance trained, that is the father of introduction, the man also recommended to the father of insurance products, the results did not buy do not know why, father later had a serious illness died , If we had to buy insurance, they will not have to spend a lot of money in treatment.

The last to return home, his mother bought insurance (2017/11/4), did not know too much, no matter Which severe illness insurance, it has advantages and disadvantages, I thought too much, directly bought a friend of China Life Corning lifelong Extreme Edition, because over the age of 50, it must pay 10 years, the following is a brief overview of this insurance products:

Who protection --0-60 years old

Paul how long - for life

How to pay - like pay, 10, 20, 30 years of AC/month pay

What Paul - weight + mild illness death + + + high residual exemption

advantage:

1, Kwong insured Age: 0-60 years old can be insured, and to protect the life, do not worry about the accident after the old, the payment period is also set four periods, if the economy is not so abundant family can choose up to 30 years to pay.

2, multi-disease insurance: Corning lifelong Extreme Edition provides 88 kinds of severe illness, 30 selected mild, can be said to cover most of the types of diseases.

+30 88 kinds of major diseases specific types of mild breakdown is as follows

Details severe illness list (click for a larger view)

Mild list of 30 selected

3, claims strong intensity: 88 kinds of severe illness, divided into two groups, you can lose a total of three times the basic sum insured payment, up to a total of three times the amount of insurance compensation; 30 selected mild, not group, you can lose a total of three times, each lost 20?f basic sum insured, pay the highest cumulative 60?In other words, the choice of a lifelong Corning can enjoy 360?ltra protection.

4, worth guarantee good: Corning Extreme Edition provides lifelong severe illness and high residual death benefit, according to the basic sum insured has to pay premiums, cash value greater pay, which is the minimum can have 1 times the basic sum insured.

5, excellent security exemption: exemption own function, the insured person suffering from severe illness exempt premium may additionally insured, insured bis immunity specific insured suffering mild, severe illness insured, have high residual death exempt from premiums. In this case it is suitable for couples mutual insurance, insurance for children and so on.

insufficient:

Disease weaker packet: the packet can be seen from the above list of severe illness, severe illness although divided into two groups, but the malignant tumor, acute myocardial infarction, stroke sequelae Three High diseases assigned to the same group, and the group can claims twice, imagine a person suffering from twice the probability of the three diseases much?

Longer intervals: most of the products sick interval of 180 days, while Corning lifelong severe illness Extreme Edition interval of three years, this interval is relatively long in the.

[Paul Wolfowitz summary]

Each product has its own advantages and disadvantages, Corning lifelong severe illness Extreme Edition too has its own characteristics, but also some lack of insurance consumers to judge according to their own situation, their own is the most important.

Case:

Mr. Zhang was born in a simple folk of the countryside, because the small study well, to test the success of prestigious universities, now 30 years old, just married and a successful career, a manager of a hundred companies. Have formed their own family, Mr. Zhang clearly aware of their responsibility for the family, recognizing that elderly parents, wife, newly married, and even the future of their own children are inseparable.

Years of expatriate lifestyle, let Mr. Zhang undoubtedly has a broad vision, the economic base determines the superstructure, a better life without the support of the economy, according to the current situation of Mr. Zhang, can affect the family economy can only be unexpected events, such as health risks and the risk of accidents. Mr. Zhang realized that if once the risk occurs, must be accompanied by the huge medical expenses and loss of income due to interruption of work, so will also affect the quality of life for the whole family, so the risk must be transferred! Shift in Mr. Zhang's cognitive the best way is to use risk insurance, Mr. Zhang was introduced to select the latest listing of China life health insurance Corning lifelong Extreme Edition, taking into account age, family structure and economic issues, Mr. Zhang decided to insure himself and his wife.

Zhang: 30 years of age, the sum insured 300,000, to pay 9450 yuan per year to pay for 30 years, life insurance;

Mrs. Zhang: 29 years of age, the sum insured 300,000, to pay 7950 yuan per year to pay for 30 years, for life insurance.

They guarantee their availability as follows:

1, critical illness insurance cumulative maximum payment 900 000: 80 kinds of major diseases divided into two groups, the largest paid 3 times at intervals of three years.

The first group: Three heavy disease (cancer, acute myocardial infarction, stroke sequelae) may be paid twice, each payment 300,000, 600,000 cumulative maximum;

The second group: 77 kinds of disease re-payment time, payment by 300,000.

2, mild-specific cumulative maximum payment insurance 180 000: 30 selected mild, not group, paid up to three times, each paid 60,000;

3, death insurance of not less than 300,000: according to the basic sum assured, premiums paid and the cash value of the three larger of payment;

4, high residual insurance of not less than 300,000: According to the basic sum assured, premiums paid and the cash value of the three larger of payment;

5. Waiver of Premium: first diagnosis of major diseases can be exempted from more than premium. (Health insurance payment period longer the better)

China Life Corning lifelong Extreme Edition part of the age rates

As shown, because the longer the period of good health insurance payment features, I'll just list some pay rates for 20 years and 30 years of post (as well as 10 years to pay and clear sexual intercourse during other payments)

1, such as 10-year-old boy, per 10,000 security, choose to pay for 20 years, the annual premium pay 218 yuan, that is 100,000 guarantee to pay 2180 yuan per year; if you choose to pay for 30 years, only 167 yuan, 100,000 per year pay protection 1670 yuan;

Again, the 30-year-old woman, per 10,000 security, choose to pay for 20 years, then pay 349,10 million per year that is to pay 3490 yuan per year; choose to pay for 30 years, per 10,000 security, premium pay 273 yuan a year, 100,000 a year to protect pay 2730 yuan, and so on.

2, the higher the age, the greater the premium choice of payment period is also reduced, the role of waiver of premium features is also meaningless, such as which products insured over 50 years old can only choose clear sexual intercourse or 10 years to pay. As early as late to buy the insurance to buy it is to buy, do not buy when protection is maximized when a young man as cheap.

Know almost Analysis:

On the surface, many times paid mild severe illness, death include responsibility, and consequently there is, quite mainstream of a critical illness insurance. Let's look at it item by item evaluation

Severe illness will protect cancer, acute myocardial infarction and stroke sequelae A group plan may be paid twice, three other major diseases will take care of organ transplantation, coronary artery bypass surgery, end-stage renal disease, and other co-77 kind of plan to set B, can be paid once.

Such severe illness packets lost divided into four groups corresponding to three times, but the disease group B is too large, a once suffering from any disease group B, all of the remaining void 76 kinds of diseases, such insured grouped very unfavorable. This group design, full of malice.

Most people speechless, severe illness is paid three-year intervals, three years ah, the most common of 180 days interval, there are intervals of one year, just not seen for three years of severe illness intervals. This is deliberately do not want to repeatedly paid it, if not the sincerity, do not fight disease focus repeatedly paid banner.

Mild guarantee monocular blindness, chronic renal dysfunction, early cirrhosis, minimally invasive brain surgery, heart disease and other early primary higher incidence of mild, are not covered.

Payout ratio of 20?ild still insist now on the market 30?f the payment is already a mild mainstream.

Insured mild Waiver of Premium, comes with free era has basically become a convention, Corning Extreme still need additional money can buy.

Premium comparison Finally, look at the premiums, Corning supreme premiums, can be reached horrible level. Here are several common market premiums comparison of critical illness insurance are paid many times:

?

Corning supreme than the cheapest Hong Kang duo Paul A, 83?ore expensive, which is not the insured plus surcharges mild exemption, that to buy 1 million of insurance coverage Corning supreme, at least you can buy 1.83 million a sum insured duo Paul, this premium gap is quite amazing. This can no longer use a premium brand of rhetoric to cover up.

Buy insurance in order to be protected, what is the guarantee? In the final analysis is the economic leverage to be broad money (sum assured) with little money (premiums), such as when the risk occurs, a sum of money to deal with certain risks, under the same premium income, the lower the insurance coverage available to protect the worse.

Of course, everyone has a certain degree of brand preference, but I think, in the nature of the content learned Corning supreme anyone a reason, I guess we will not choose such a product.