In this quick review, we have selected several new products to take a look at. Xiaoxinbao is Zhongan’s accident insurance for the elderly and can be purchased by people up to 80 years old. If you are over 70 years old, give priority to Xiaomi Elderly Accident 2021, which is cheap

Issue 19

A few weeks have passed since the new Internet regulations.

There are more and more products on the market.

Which one is good and which one is worth buying?

It’s dazzling

In this issue’s quick review, we have selected several new products, let’s take a look at

Accident insurance

Xiaoxin Insurance is a product of Zhongan Accident insurance for the elderly, can be purchased by people up to 80 years old.

Its protection is very comprehensive, and accidental medical treatment is deductible, and there is no limit to social security reimbursement, such as imported drugs and self-paid drugs.

In addition, although this product has health information, for example, if you have cancer , have physical dysfunction or disability, you cannot buy it, but the overall inquiry is relatively loose.

I would like to remind everyone that this product is not insured by hospitals in some areas, such as hospitals in Pinggu District, Beijing, Jinghai District, Tianjin, etc. Please pay attention to the product insurance instructions.

If you are 60 to 70 years old, this product is worth choosing. If you are over 70 years old, give priority to Xiaomi Elderly Accident 2021, the price is cheaper, and reimbursement is not limited to social security.

Aiwuyou is a newly launched accident insurance. In addition to accidental death protection, has a daily subsidy of 200 yuan due to new crown quarantine. can also be compensated for home quarantine. It requires meeting one of the following conditions and being required by the local epidemic prevention department. Mandatory quarantine:

• Residence or place of work, travel routes or destinations have been determined by the country as medium and high-risk areas
• Have been tracked by the local epidemic prevention department as close contacts of confirmed or suspected patients with new coronary pneumonia

Here we remind everyone: If you are already in medium or high-risk areas, If you are in a risk area or under quarantine, you cannot purchase it.

If the new coronavirus is diagnosed to be severe, a one-time subsidy of 5,000 yuan can be given, which can also reduce some of the financial pressure on oneself.

59 yuan can guarantee one year. For those who want to buy new crown protection, this product is still worth considering.

Outpatient insurance

Little Doctor is an insurance that can reimburse online outpatient drug expenses . Its insurance conditions are very loose, There are no health notices and occupational restrictions,You can also buy it if you have physical abnormalities.

When you feel unwell, you can communicate with the doctor online through pictures, texts or videos. After the prescription is issued, the drug fee will be settled in real time, without having to apply for reimbursement.

It has two versions, the basic version and the upgraded version both have 0 deductible . In comparison, the upgraded version has better protection, with 70% reimbursement, and can be claimed 24 times a year, with no monthly limit, but the price is also 200 yuan more expensive.

Generally speaking, if your physical condition is average, or you are busy with work and don’t want to queue up at the hospital, then a doctor is a good choice. For a hundred dollars a year, you can get professional diagnosis and treatment at home for minor illnesses and pains.

Medical insurance

Huatai middle-aged and elderly medical insurance covers the medical expenses of 50 specific diseases, and can be purchased by people up to 80 years old.

50 kinds of special diseases include malignant tumors, major organ transplants, etc., but some high-incidence serious diseases such as severe stroke sequelae, more serious acute myocardial infarction are not covered, and can be understood as "cancer medical insurance" Upgraded version".

After taking out the insurance, you can get a free physical examination. If the physical examination result is preferred and the new health notification is passed, general medical treatment will also be guaranteed.

The coverage of general medical care is wider. In addition to illness and hospitalization, accidental hospitalization is also covered, and the insured amount of 2 million is shared with special illness medical care.

However, it cannot guarantee renewal , the deductible of 20,000 is relatively high, and the overall protection is average.

If your age and physical condition permit, it is recommended to give priority to million medical insurance with better renewal conditions or more complete protection. For example, e-Care-Worry-Free Medical Care can guarantee renewal for 20 years.

It is basically impossible to buy a million-dollar medical insurance if you are over 70 years old. If you are healthy, you can consider Huatai Middle-aged and Elderly Medical Insurance, and you may have the opportunity to upgrade to a million-dollar medical insurance. If your physical condition is normal, you can consider Shennong No. 2 anti-cancer medical insurance, which is guaranteed to be renewed for 6 years.

If you have a limited budget, or you have many health abnormalities, you can also consider the local Huiminbao. Most of them do not provide health notices and only cost a hundred yuan a year.

Critical Illness Insurance

Health New Enjoyment is a new critical illness insurance launched by Xinhua . The protection is quite satisfactory, and the first minor illness compensation ratio is 20%, which is not high.

Although mild cases can be compensated 6 times, the maximum is only 30%. Among them, 25% had mild symptoms for the second time, and 30% had mild symptoms for the third to sixth time.

It comes with death protection, and you can only choose to pay for it for 19 years at most. Compared with the 30-year payment products on the market, the annual payment pressure will be greater.

If you don’t care so much about the brand, there are more cost-effective critical illness insurance options on the market, such as Darwin No. 6, which is not only cheap, but also offers up to 100% additional critical illness compensation before the age of 60.

Increased whole life insurance

Liyingying is a recently launched incremental whole life insurance. The purchase threshold is low, and you can get it with only 1,000 yuan.

It supports insurance additions and reductions, and insurance additions and reductions are clearly written into the contract , but they need to be reviewed and approved by the insurance company.

What you need to pay attention to is that there are some restrictions on the addition and subtraction of insurance, such as the limit on the amount of insurance addition and subtraction, insurance addition can only be operated in the first 5 years, insurance reduction can only be applied after 5 years, etc.

After the new regulations, there are not many online incremental whole life insurance products. The profit of IRR is pretty good, and the time for the income to exceed the paid premium is also short.

If you have some spare money and want to find a place where the funds can increase in value safely and steadily in the long term, then Liyingying is worth considering.

is written at the end

There are a lot of new products recently.

You can buy them according to your own needs.

If you want to compare products

, you can enter the Deep Blue Protection applet to compare html by yourself. 2

Take Hornet No. 6 as an example

Specific operations See the picture below:

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