Hello everyone,
I am Xiaoqi.
Recently, insurance companies have been doing more frequently. First, Darwin 2 stopped selling , and then Hengqin Life Insurance launched new lady's super cost-effective discount , and Hetai Life Insurance has made its ace critical illness insurance Super Mary 2020 a low-key upgrade.
and Tai's Super Mary 2020 itself is a very cost-effective critical illness insurance, especially after the death liability is increased, the premium is very favorable. This upgrade is mainly reflected in the following two aspects:
1, the second payment guarantee for cancer, shortening the interval between the second payment for new cancer and the first cancer suffering from cancer to 1 year (the update of this insurance only results in a few dozen yuan increase in the basic insurance amount, which is more sincere) ;
2, additional payment for cancer can be attached to the additional payment for cancer in advance; (if you suffer from cancer for the first time, if you transfer to other organs one year, you can advance the insurance amount by 30% in advance, and then recur or hold it after 3 years. You can still get 90% extra compensation)
3, in situ carcinoma of different organs can get 2 compensation;
These two points are actually learning and reference to the current enhanced version of the second compensation guarantee for cancer in AIA's Jiayu Zhibe Bao 2 and AXA's love peers, but it is even better than AIA in Hong Kong. After AIA prepaid the second compensation, it no longer enjoys the second compensation guarantee, and Super Mary 2020 pro has 90% compensation;
, especially upgrade points 2 and 3, Xiaoqi believes that it is still a very practical guarantee;
mpro version is still powerful? In this market environment, is Super Mary 2020 pro worth buying?Let’s take a look one by one;
01 Product responsibility overview
Xiaoqi excerpts the product responsibility of Super Mary 2020pro as follows:
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From this we found that:
Super Mary 2020pro is a critical illness insurance that is basic to critical illness + moderate illness + mild illness , and can choose secondary cancer compensation, early payment of cancer additional insurance, special protection of benign tumors, death compensation coverage, policyholder exemption and other critical illness insurance. If you are insured aged 0-40, you can get an additional 50% of the basic insurance coverage of in the first 15 years;
can be purchased as a consumer critical illness insurance, or as a saving critical illness insurance.
can choose to protect 70 or 80 years old, and can also choose to protect lifelong , but if chooses to protect to 70 years old, the maximum payment period is 20 years, and there is no 30-year option;
02 critical illness protection
Super Mary 2020pro provides 110 major disease protection, and pay once;
in terms of disease types, because the insurance industry association uniformly stipulates 25 types of high-incidence critical illness types, each critical illness insurance will have, and the definition is the same, so there is no need to pay too much attention to the types of critical illnesses.
Super Mary 2020pro has one advantage: html insurance for 30-40 years, and you can get an additional 50% of the basic coverage in the first 15 years;
additional compensation can provide high critical illness insurance coverage in the short term, which is very suitable for family economic pillar insurance;
However, the coverage period of this additional gift of insurance is slightly worse than that of the current market before the age of 60 on the market, but consumers do not have to spend so much money.
03 Mild and moderate symptoms protection
Super Mary 2020pro provides 25 types of protection, pay 2 times, and pay 50% and 60% basic insurance in turn.
50 types of mild symptoms protection, pay 3 times, pay 30%, 45%, and 55% insurance in turn, among which carcinoma in situ can receive up to two compensations for carcinoma in situ. Although in comparison, the proportion of compensation for mild symptoms is slightly lower, , but carcinoma in situ increases one additional compensation, which is also a highlight;
Super Mary 2020pro also has a big feature in the protection of mild symptoms: is diagnosed during the waiting period and does not compensate for mild symptoms. This responsibility is suspended, and other protections such as critical illness will continue to be effective. means that except for the major diseases that occur during the waiting period, the contract will be terminated directly, the discovery of other diseases does not affect the effectiveness of the policy. This is better than the current market products such as Darwin No. 2, Excellent Insurance, and Super Mary 2020max.
In terms of disease types, the high-incid mild and moderate symptoms of Super Mary 2020 contain quite comprehensive coverage;
Xiaoqi summarized the mild and moderate symptoms of corresponding to 25 high-incid serious diseases, and compared the mild and moderate symptoms of Super Mary 2020, and obtained the following table:
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Conclusion is:
First, is recognized as a high-incid mild symptom with red , and super Mary 2020 pro covers all;
Secondly, 25 severe diseases correspond to 34 high-incid mild symptom , and super Mary 2020 contains 30 , among which early cirrhosis (with liver surgery ), moderate paralysis, severe head trauma, and unilateral pulmonary resection (with pulmonary hypertension) are not included.
(Looking at the current hot-selling critical illness insurance, each product has more or less lack of mild or moderate symptoms. If friends with a family history, you can pay attention to it. As long as the missing species are not very high-incidence, most of them are still acceptable.)
So what is the situation of grouping of ? (There is no grouping for moderate symptoms)
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Super Mary 2020pro There are 35 html mild symptoms in total. These 5 types of groups are mainly because these mild symptoms are highly correlated with . Most of them are diseases and their treatment methods. It is very likely that they will appear at the same time, so the insurance company grouped them. It cannot be called the disadvantage of this type of insurance; what about the definition of disease in
?
Let’s take a stroke as an example:
Moderate stroke belongs to the conventional clause; there are no obvious pitfalls, and mild stroke is transformed into moderate symptoms and pays compensation, which is relatively humane;
04 Cancer secondary compensation guarantee
Super Mary 2020pro provides additional protection for secondary compensation for cancer, and pays 120% basic insurance.
If the first time you are not cancer, you can get compensation again after is 180 days apart;
If the first time you are experiencing cancer, then if the new cancer is found after is 1 year, or is experiencing cancer recurrence and metastasis after is experiencing cancer.
In addition to basic secondary cancer compensation protection, You can also choose to pay the additional cancer insurance in advance , that is:
After the first cancer diagnosis is over 1 year, if the cancer metastasizes to other organs (excluding lymph), you can pay a 30% insurance premium. If you meet the conditions and apply for secondary cancer compensation again after 3 years, the insurance premium will be reduced to 90%;
means that cancer will be cancer in 1 year later. For metastasis, you can advance the 30% secondary cancer compensation coverage in advance; Xiaoqi believes that the protection of
is still very suitable. If the cancer does not receive good intervention, the probability of metastasis is very high. If you can get an additional 30% extra compensation at this time, it is obviously more beneficial than waiting for 3 years before you get a compensation;
So what is the premium for these two secondary cancer compensation coverage of Super Mary 2020 Pro?
We still take the 30-year-old insurance coverage of 500,000 yuan for life as an example:
transfer pre-payment coverage function, the added premium is only about 200 yuan, which is relatively acceptable; it is recommended to add this protection when buying the second-time payment guarantee for cancer;
05 Specific benign tumor resection protection
additional protection for benign tumors is the first of its kind in Hong Kong Prudential Critical Illness Insurance. Currently, Super Mary 2020 is the first time in mainland critical illness insurance;
is specifically protected by: If benign tumor is diagnosed and surgical treatment is performed, the policy will provide a 10% coverage for basic coverage;
specific package for benign tumors Contains the following organs: spinal cord, heart, lung, pancreas, kidney, bladder, ureter, gaowan, esophagus, stomach, small intestine, large intestine, rufang;
In order to give everyone a clearer understanding of benign tumor protection, Xiaoqi summarized the list of possible compensation benign tumors in the above organs as follows:
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What should be noted is that the following diseases or treatment methods are not within the protection scope of Super Mary 220:
(1) Cysts, lipomas, hemangiomas, and benign skin tumors;
(2) Tissue test, acupuncture biopsy, cytology, aspiration, embolization, curettage, and benign skin tumors.
So what is the rate for benign tumors? Xiaoqi helped everyone calculate the calculation. The result is as follows:
This guarantee is still very practical. If you buy 500,000 yuan in basic insurance, then benign tumors can get 50,000 yuan in compensation. The additional fee is quite preferential.
However, benign tumor is not a major disease . The original intention of buying critical illness insurance is to to prevent major diseases , which is not a very urgent guarantee; a sufficient budget can also be added. If you suffer from benign tumors in the future, you will have a good experience in applying for claims;
06 cash value
cash value is how much money can you get back for retirement ;
although you buy insurance not for refund, the cash value is also a large part of the policy benefits . If you do not have the responsibility for death, you can still return the cash value without suffering from serious illness.
Xiaoqi compared the cash value of Super Mary 2020 with several currently popular critical illness insurances as follows:
Take 31-year-old man, paid for 30 years, and insured 500,000 as an example:
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From the above table, we can see that a 31-year-old man insured, the total premium for 30 years is 162,600. Between 65 and 85 years old, the cash value exceeds the premium paid, the peak is 177,555, which is a medium-level market level.
Xiaoqi believes that friends who do not buy the responsibility for death in don’t have to worry about losing the premium if they die without suffering from serious illness. After all, there is still a high cash value that can be returned to .
Here I would like to remind everyone two points to pay attention to:
1. Even if the claim is mild and moderate, will not affect the cash value return. 2. In order to make the process simple, can set the insured person to be not the same person , so that if the insured person unfortunately dies, the insured person can directly apply for a refund.
07 Health notification and underwriting
1), Super Mary 2020pro's health notification content is as follows:
The content is still very strict, and there is something that needs special attention. Xiaoqi has marked it;
However, one thing that Super Mary Health notification does very well is: has some notification parts that are easy to cause ambiguity, and the definition is very clear. For example:
blood routine abnormalities only needs to inform white blood cells, red blood cells, hemoglobin, and platelet abnormalities. There are inevitably several arrows for routine physical examinations in
. When buying insurance, you will always be very worried about whether to inform. Now you can define it clearly. If there are any abnormalities, please inform them. If there is no abnormalities, don’t worry about them.
2), Super Mary 2020 Pro’s requirements for body mass index are: over 16 years old, 17-28; and the insured under 16 years old must meet 14-28, and are strictly related to Kanghuibao, Xinai critical illness, etc.;
3), Intelligent underwriting If it does not meet health notifications, you can also apply for intelligent underwriting or manual underwriting; Xiaoqi has sorted out the underwriting requirements for several common diseases as follows:
Thyroid nodules: Within half a year The color ultrasound examination is level 1 or 2, and has never been described as or above or above or 0, and can be covered by standard; except for other cases, liability or denial;
Breast nodules: has been shown as 1 or 2, and has never been described as 3 or above or above or 0, and can be covered by standard; except for other cases, liability or denial;
Hepatitis B Xiao Sanyang: has been shown as hepatitis B e antigen negative, HBV-DNA/AFP examination in the past six months, no abnormalities in liver ultrasound, and standard coverage without treatment;
If you have any questions about health notification, you can contact Xiaoqi for consultation;
08 Comparison of critical illness products for 70/80 years old
Friends who do not consider regular protection can skip it directly;
Super Mary 2020pro protection period can be selected to be 70 or 80 years old;
Xiaoqi will extract the products currently protected to 70 and 80 years old as follows:
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1. Currently, only 3 products are guaranteed to the age of 70, including: Guofu Life Insurance Jiahebao, Hetai Super Mary 2020pro, Xintai Super Mary 2020max; so how to choose ?
has the highest cost-effectiveness, choose Guofujia Hebao; I hope there will be additional compensation in the first 10 years, choose Xintai Super Mary; Hetai Super Mary's secondary cancer protection is more comprehensive, but you can only choose to pay for 20 years;
two Super Marys at the age of 30 can only choose to pay for 20 years. Therefore, Jiahebao still has a very advantage when he is 70 years old.
2, three relatively excellent ones provide protection to 80 years old are Super Mary 2020 pro of Hetai Life Insurance, Darwin 2 (discontinued on the 24th) , and Kunlun Health Insurance 2.0. (click on blue to view specific product reviews) So how to choose?
Darwin No. 2 premium is slightly higher, but you can get an extra 50% compensation when suffering from serious illnesses before the age of 60.
and Tai's Super Mary 2020 pro premiums are relatively cheap, and the second-time payment guarantee for cancer is relatively excellent, but only in the first 15 years, you can get an additional 50% compensation. Health Insurance 2.0 has no obvious advantage among these three products, but the underwriting is relatively loose.
Overall, among the products that are protected by 80 years old, Darwin No. 2 is more suitable for family economic pillar purchases; Hetai Super Mary is suitable for ordinary family members . If the previous abnormality does not meet health notifications, if you want manual underwriting, health insurance 2.0 is the most relaxed;
09 Hot-selling consumer critical illness insurance comparison
Xiaoqi will match several critical illness insurance hot-selling insurances in the market that are currently hot-selling for lifelong insurance, such as:
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{Notes: Super Mary 2020max is Xintai Life; Super Mary 2020pro is Hetai Life. Different products, don’t get dizzy; }
comprehensive protection and price, we came to the following purchase conclusion:
1. If you purchase the family’s economic pillar and hope to get an additional 50% protection before the age of 60, then Hengqin Express Bao, Darwin No. 2 (discontinued on the 24th) and Super Mary 2020max are all very suitable. Which of the three products should you choose for ? We give the following selection suggestions:
①, only buy serious illness + mild and moderate illness protection,
for women, Hengqin discount treasure, the most cost-effective, the most cost-effective choice for men, Xintai Super Mary 2020 and Darwin No. 2 are the best choices, among which the cash value between Darwin No. 2 is relatively high, and you can choose Darwin No. 2 before the sale is suspended ;
②, buy critical illness + mild to moderate symptoms + secondary compensation guarantee for cancer,
Darwin No. 2 is the first choice ; if you feel it is necessary to extend the secondary compensation to coronary artery bypass surgery and acute myocardial infarction, then Xintai Super Mary 2020max is the first choice;
③, friends with previous physical examination abnormalities, give priority to products that can be covered by standard physically; among them, Hengqin You Huibao's disease underwriting is more relaxed;
2. If you don't like the additional protection before the age of 60, has three products: Guofujia Hebao , Hetai Super Mary 2020pro, Centennial Kanghuibao 2020, you can choose this:
① If you don't add cancer, the second compensation:
men buy Jiahebao has the lowest rate. Women recommend choosing Hetai Super Mary 2020pro, because although Super Mary's premium is not the lowest, in situ cancer can be compensated twice, which is better for protection;
②, if you want to add secondary compensation for cancer:
0 looks at the cost-effectiveness, no matter men or women, Guofu Life Insurance Jiahebao Home is very competitive and has great competition Competitive; however, the interval between Guofu Life Insurance and Jiahe is 1 year, which is slightly longer than the 180 days of other products;
is more important to protect, and Tai Super Mary 2020 pro can be added to the advance payment guarantee for cancer metastasis, which is still very practical;
③, if you want to increase death protection, , then the current Super Mary 2020 pro of Hetai is the most competitive in terms of both the rate and the protection.
To sum up:
and Taisuper Mary 2020pro have many market innovations, such as early payment of secondary cancer compensation and multiple payment of in situ cancer. These are the guarantee of carbon delivery in the snow; in addition, the most advantageous aspect of additional death liability protection is also very cost-effective.
is only the additional compensation for the first 15 years, slightly lower than Youhuibao, Darwin, Super Mary 2020max, not the family pillar, and you can ignore this.
In Xiaoqi's view, compared with other products with Tai Super Mary 2020pro, the only disadvantage is that the compensation ratio for mild cases is slightly lower, only 30%, and Guofu's Jiahebao can achieve 40%.
But for the sake of these advantages, it is acceptable. After all, there are 20% of the lowest market, so there is no such perfect product.
This article was first published on the official account: Haohengtujian. Please do not reprint original articles without authorization!
If you need consultation and help, you can send a private message to Xiaoqi!
