This paper selects four popular critical illness insurance models for children to evaluate.
Children's country life blessing . It is the product of China Life Insurance, China's largest life insurance company.
Children's Peaceful 2017 . It is the product of Ping An Life Insurance, the second largest life insurance company in China.
Hua Xiafu . It is the product of Huaxia Life Insurance, a rising star of the life insurance industry. Huaxia Life Insurance was established in 2006; the premium in 2016 was 181.5 billion yuan, ranking fourth in the market; as of the end of 2017, Huaxia Life Insurance is the fourth largest shareholder of Ping An.
Ji Ruibao . It is the product of Everbright Life. Everbright Life was established in 2002 by the China Everbright Group and Canada Yongming Finance. At present, the registered capital of Everbright Life Insurance is 5.4 billion yuan, and its capital strength is at the forefront of domestic life insurance companies.
1, product comparison
It can be seen from the product comparison table:
Responsibility for serious illness : Huaxiafu and Jiruibao's critical illness coverage before the age of 18 is 2 times the basic insured amount (600,000 yuan) ; after 60 years of age, they are 1.2 times and 1.5 times the basic insured amount. The insured amount of children's national life blessing and children's safety and welfare has always been the basic insured amount, and has not risen.
Mild responsibility : Huaxiafu's mild illness pays 25%/30%/35% of the basic insured amount; Jiruibao pays 30% of the basic insured amount each time; Children's National Life and Children's Pingfu pay 20% each time The basic amount of insurance.
Gold birthday : Huaxia Fu can be returned to 88-year-old has to pay premiums as a birthday gold; Jerry treasure can be returned to 65-year-old he has to pay premiums as a birthday gold ; China Life blessing children and children's birthday gold flat Anfu no return.
Other Responsibilities : Both Huaxiafu and Jiruibao have the responsibility for total disability and end-of-life liability; Children’s Life and Children’s Safety and Welfare have no responsibility for total disability or end-of-life liability.
Price : Huaxiafu has the lowest price, and children have the highest price.
2, product features
1 Huaxiafu: comprehensive protection, cost-effective
Comprehensive protection . Huaxiafu guarantees 82 kinds of severe diseases, 42 kinds of mild diseases (can be compensated for 3 times); it has the responsibility of death for death, total disability and end-stage disease; it can provide green access to medical treatment and seek medical care.
The number of critical illness insurance doubled before the age of 18 . Hua Xiafu directly doubled the amount of critical illness insurance for minors and solved the problem of insufficient protection for minors.
Birthday gold. When the insured is 88 years old, he can return the premium already paid as a birthday gift.
Cost-effective . Among the four children's critical illness insurance, Huaxiafu provides the strong guarantee, while the premium is the lowest and the cost performance is extremely high.
Medical insurance can be attached . Huaxia Life Insurance is an excellent million-yuan medical insurance. Huaxiafu+Medical Insurance is a very good health insurance combination.
Disadvantages : mild symptoms do not guarantee atypical acute myocardial infarction.
2 Ji Rui Bao: The protection is strong, and you can receive the birthday gift sooner.
Comprehensive protection . Jiruibao guarantees 100 kinds of serious diseases, 50 kinds of mild diseases (can be compensated 3 times); has the responsibility of death, total disability, and end-of-life disease; provides green access to medical treatment and seeks medical care.
The number of critical illness insurance doubled before the age of 18 . Ji Ruibao directly doubled the amount of critical illness insurance for minors and solved the problem of insufficient protection for minors.
Birthday gold. When the insured is 65 years old , he can return the premium already paid as a birthday gift.
Disadvantages . In contrast to Hua Xiafu, the guarantee responsibility of Jiruibao is even stronger, and the birthday of the birthday is returned earlier, but the price is higher.
3 children's national life Fu: protection in general, higher prices
Guaranteed in general . Children's National Life Insurance guarantees 80 kinds of serious diseases and 30 kinds of mild diseases. However, the disease waiting period is up to 180 days, and the mild illness can only be paid once. No total disability or end-of-life protection responsibility.
The price is higher . China Life's no-health insurance premium doubles before returning to 18 years of age or returning benefits such as birthday money, but the price is about 30% higher than Huaxia Fu.
4 children's peace and happiness: guarantee shrinkage, the highest price
The guarantee is shrinking . Children's Ping An Fu 2017 guarantees 80 kinds of serious diseases and 20 kinds of mild diseases. No total disability or end-of-life protection responsibility. No medical green channel service.
The mild responsibility of children's peace and safety not only guarantees the least types of diseases (20 types), but also does not guarantee the highest incidence of mild stroke, atypical acute myocardial infarction, coronary intervention, etc., which is full of routines.
The following picture shows the light claims data of a life insurance company in 2017:
The highest price . It can be seen from the comparison table that the price of Children's Ping An Fu 2017 is significantly higher than that of the other three.
3, product selection
- Hua Xiafu . Suitable for customers who are looking for adequate and cost-effective products.
- Ji Ruibao . It is suitable for customers who are pursuing a strong guarantee and can receive birthday money earlier.
- Children's country life blessing . Suitable for customers who are looking for company visibility, not sensitive to price, and don't care about paying brand premiums.
- Children's Peaceful 2017. Xiaobian really can't think of any reason to buy. However, the purchase of Ping An’s stock should be good, and Huaxia Life has already done this!
This article first appeared on WeChat public number Xiaobai said, the original link: 2018 four children's critical illness assessment: Huaxiafu, children's Pingfu, children's national life Fu, Ji Ruibao