In 2022, a critical illness insurance called Super Mary No. 6 was "born" online. This product is known as the king of cost-effectiveness. Today, the young prince will analyze how this product is from a professional perspective.
Hetai Life Insurance is a "small company" that everyone is not familiar with. It was established around 2017. The company's official website has not been found yet, and many places have no branches to operate.
If you are a professional insurance finance practitioner, have a good understanding of insurance terms, clinical and underwriting medicine, know where the pitfalls of insurance claims, and even don’t mind small companies, Super Mary No. 6 may be a good choice.
The biggest advantage of its protection is:
I have had a serious illness before the age of 160. According to the terms of the contract, you can claim the maximum amount of 200% basic insurance amount .
But the lack of protection is also very obvious:
① Only one compensation for serious illness.
I have talked about the future trend of critical illness insurance before, and it should be mainly to make claims multiple times. After all, with advanced medicine, people have a long life span. The probability of severe illness multiple times is higher than that of our parents.
②Payment time limit.
Take the insurance of a 40-year-old friend as an example. He can only choose to pay for 20 years, but cannot choose to pay for 30 years. This will make the annual high fee payment smaller, which will make the financial leverage of critical illness insurance smaller, and will not be friendly to friends who are under great pressure to pay.
Finally, let’s talk about the most important thing about insurance for critical illness insurance. 3 factors are referenced:
①Serving your agent is professional enough to serve for a long time. After all, claims are required to provide guidance from professionals.
②The price is low and the insurance amount is high (leverage financial leverage).
③Insurance company brand.
Super Mary No. 6 is very competitive in the market? The little prince has listed two other critical illness insurance products, see the picture below.
(Hide brand information according to regulatory requirements. Please contact Xiao Ge customer service for details)
The picture above is the price of insurance for 40 years old. The premiums are very different in different ages, and the younger you are, the cheaper you are. If you are 30 years old, you can install a 300,000 yuan insurance amount, the minimum is only 3,360 yuan, and the 0-year-old baby is as low as 1,140 yuan
The little prince talks about insurance in plain language, and teaches you not to waste money.
