Editor's note

As the saying goes: I am not afraid of not knowing the goods, I am afraid that the goods are better than the goods!

The most complicated product in financial products is insurance products. The most complicated content of insurance products is insurance contracts. The actual experience shows that it is not easy to conduct "goods and comparisons" on complex insurance products. Responsibility, exemption clauses, value-added services and other major categories of content, and each major category is composed of multiple attributes, such as the critical illness insurance liability includes severe types, mild types, death gold, disability protection, disclaimer More than 10 attributes such as content and survival allowance.Click to view insurance product composition>>>>

This time we compare the four critical illness risks on the market, this data sourceFinancial sector insurance product rating!

Four major illness insurance competitions

We take the 30-year-old male, with a guaranteed amount of 200,000, and keep it for 20 years as an example. The following conclusions can be drawn.

AIA Quanyou Life Six-in-One Disease Insurance Great Wall Fukang Yannian Lifelong Major Disease Insurance Sino-British Life Insurance protects a lifetime of major illness insurance Xincheng Wellcome Major Disease Insurance
Insurance age 18-55 years old 30 days - 55 years old 30 days - 55 years old 30 days - 50 years old
Cover period lifelong To 105 years old lifelong lifelong
Payment period 20 years old, handed over to 59 years old 趸交/10年付/20年付 19 years 5 years, 10 years, 15 years
Waiting period 180 days 180 days 90 days 90 days
Hesitation period 10 days 10 days 10 days 10 days
Specific disease 0 1 0 1
Mild 8 10 14 12
Severe 34 50 50 68
Malignant tumor no Extra 50% coverage Extra 50% coverage no
Geriatric care Have Have no no
Death & Total Disability Payable amount Before the age of 18, returning the accumulated premiums after the death;
After the age of 18, the death benefit is paid.
Before the age of 18, returning the accumulated premiums after the death;
After the age of 18, the death benefit is paid.
Before the age of 18, returning the accumulated premiums after the death;
After the age of 18, the death benefit is paid.
End of life 100% of the basic insured amount, contract termination no 100% of the basic insured amount, contract termination Pay 50% of the basic amount
And delay the payment of the remaining premium, the contract is valid
Premium exemption no no no no
Rate adjustment Have Have no no
Decrease payment no Have no Have
Automatic payment Have Have Have Have
Product price comparison (yuan) 7120 7120 6432 5650
Recommendation index comparison 9.38 9.85 8.88 8.46

Xiaobian Review

According toFinancial sector insurance product rating The system scores,Recommended The highest is the Great Wall Fukang Yannian Lifelong Major Disease Insurance, which is as high as 9.85.

We can see from this that the "Great Wall Fukang Yannian Lifelong Serious Disease Insurance" product has 60 kinds of guaranteed diseases, and the highest "Xincheng Wellcome Major Disease Insurance" is 80 kinds. However, as far as protection is concerned, "Great Wall Fukang Yannian Lifelong Major Disease Insurance" "50% of the extra cost for malignant tumors", "age care gold" and "rate adjustment".

Different from previous rating standards,Financial sector insurance product rating More emphasis on the comprehensive comparison of products!(Click for details)

Reminder: Buy a critical illness insurance, don't just look at the price and the number of guarantees. Let's take a look at these four products.

Detailed explanation of the above four products

Value for money

AIA Quanyou Life Six-in-One Disease Insurance Great Wall Fukang Yannian Lifelong Major Disease Insurance Sino-British Life Insurance protects a lifetime of major illness insurance Xincheng Wellcome Major Disease Insurance
Annual premium 7,120 7,120 6,432 5,650
Cumulative total premium payment 142,400 142,400 122,208 113,000
Maximum payable insured amount 120% 170% 170% 140%
Cost performance index comparison 6.28 5.78 6.02 5.48

Xiaobian Review

The annual premium for the "Xincheng Wellcome Major Illness Insurance" is only 5,650 yuan, and the "Great Wall Fukang Yannian Lifelong Major Disease Insurance" can obtain up to 170% of the maximum amount of insurance coverage. But the price/performance index is only 5.48 and 5.78.

According toFinancial sector insurance product rating The team of experts said that if you have a major illness, you will be less likely to get the "maximum available insured amount". So it is not feasible to compare the literal price alone.

"AIA Quanyou Life Six-in-One Disease Insurance" can get a score of 6.28, depending on the value-added services and security services of the products.(Click for details)

Value-added services

AIA Quanyou Life Six-in-One Disease Insurance Great Wall Fukang Yannian Lifelong Major Disease Insurance Sino-British Life Insurance protects a lifetime of major illness insurance Xincheng Wellcome Major Disease Insurance
Special needs no no no no
Telephone doctor Have Have no Have
Appointment registration no Have Have Have
Hospitalization coordination Have no Have no
emergency rescue no Have Have Have
Expert appointment Have no no no

Xiaobian Review

According toFinancial sector insurance product rating The comparison found that the four critical illness insurances in this period have three services for each product, so they are all three stars!(Click for details)

Disease Protection·Comparition

Specific disease

AIA Quanyou Life Six-in-One Disease Insurance Great Wall Fukang Yannian Lifelong Major Disease Insurance Sino-British Life Insurance protects a lifetime of major illness insurance Xincheng Wellcome Major Disease Insurance
no Malignant tumor rehabilitation no Cancer Special Care Gold

Mild species

AIA Quanyou Life Six-in-One Disease Insurance Great Wall Fukang Yannian Lifelong Major Disease Insurance Sino-British Life Insurance protects a lifetime of major illness insurance Xincheng Wellcome Major Disease Insurance
Very early malignant or malignant lesion
Smaller area III degree burn
Mild stroke
Coronary interventional surgery (non-thoracotomy)
Heart valve intervention (non-thoracotomy)
Serious visual impairment
Intra-aortic surgery (non-thoracotomy)
Pituitary tumor, brain cyst, cerebral aneurysm and cerebral hemangioma
Single limb loss
Brain trauma craniotomy
Atypical acute myocardial infarction
Severe head trauma
Kawasaki disease with coronary artery dilatation
Severe encephalitis or meningitis
polio
Chronic liver failure decompensation
Type I diabetes

Major disease types

AIA Quanyou Life Six-in-One Disease Insurance Great Wall Fukang Yannian Lifelong Major Disease Insurance Sino-British Life Insurance protects a lifetime of major illness insurance Xincheng Wellcome Major Disease Insurance
Malignant tumor
Acute myocardial infarction
Stroke sequela
Major organ transplantation or hematopoietic stem cell transplantation
Coronary artery bypass grafting (or coronary artery bypass grafting)
End stage renal disease (or chronic renal failure uremia)
Multiple limbs missing
Acute or subacute severe hepatitis
Benign brain tumor
Chronic liver failure decompensation
Encephalitis sequelae or meningitis sequelae
Deep coma
Deafness
Binocular blindness
瘫痪
Heart valve surgery
Severe Alzheimer's disease
Severe brain injury
Severe Parkinson's disease
Severe third degree burn
Severe primary pulmonary hypertension
Severe motor neuron disease
Loss of language ability
Severe aplastic anemia
Aortic surgery
Vegetative
Type I diabetes or insulin-dependent diabetes
Severe ulcerative colitis
Severe cardiomyopathy
Diversity hardening
Severe acute necrotizing pancreatitis
Muscular dystrophy
Chronic respiratory failure
Systemic lupus erythematosus - type III or more lupus nephritis
Systemic myasthenia gravis
Human immunodeficiency virus infection caused by blood transfusion
Severe rheumatoid arthritis
Severe ulcerative colitis
Grade II severe acute pancreatitis
Severe coronary heart disease
Severe polio
Severe clonal disease
Severe scleroderma
Human immunodeficiency virus infection due to occupational relationship
Severe acute necrotizing fasciitis
Severe chronic recurrent pancreatitis
Progressive supranuclear palsy
Broken cerebral aneurysm clipping surgery
Severe autoimmune hepatitis
Chronic pulmonary heart disease
Renal medullary cystic disease
Multiple myeloma
Primary myelofibrosis
Severe myelodysplastic syndrome
Infective endocarditis
Complete atrioventricular block
Aortic dissection hematoma
Pancreas transplantation
Serious dementia caused by non-Alzheimer's disease
Progressive multifocal leukoencephalopathy
Subacute sclerosing panencephalitis
Human mad cow disease (K-James disease)
Pheochromocytoma
Visceral disease caused by filariasis
Ebola
Idiopathic chronic adrenal insufficiency
Autologous hematopoietic stem cell transplantation
Serious intestinal complications
Primary sclerosing cholangitis
Severe myocarditis
Severe asthma
Severe Kawasaki disease
Systematic crust
Unexpected facial plastic surgery
End stage disease
Systemic lupus erythematosus

Xiaobian Review

      Financial sector insurance product ratingThe system has comprehensively assessed the protection of each critical illness insurance!(Click for details)

AIA Quanyou Life Six-in-One Disease Insurance Great Wall Fukang Yannian Lifelong Major Disease Insurance Sino-British Life Insurance protects a lifetime of major illness insurance Xincheng Wellcome Major Disease Insurance
Protection index comparison 7.13 8.08 6.72 6.2

The highest index of the Great Wall Fukang Yannian Lifelong Critical Illness Insurance is not the most protected, but there will be “malignant tumor rehabilitation gold”; “Malignant tumors will be paid 50% insured amount”

The number of severely protected cases of "Xincheng Wellcome Major Disease Insurance" is 68, and the number of mild protection is 12 kinds. However, this product does not have "50% insured amount for malignant tumors" and "geriatric care gold", so the index is only three and a half stars.

Contact information

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