Hello everyone, I am Aotujun
As long as there is a critical illness insurance, named after Super Mary, this critical illness insurance must be related to the cost-effectiveness. To this day, Super Mary has arrived at No. 6.
Super Mary No. 6 has been on the market for some time. With the emergence of more and more cost-effective serious illness insurance, is it still very cost-effective?
Super Mary No. 6 underwriting company is Hetai Life Insurance, with a registration name Hetai Love Worry-free Internet Exclusive Major Disease Insurance (2022).
Super Mary No. 6 is an online lifelong critical illness insurance. The responsibility for death is optional. The product structure is a single compensation for critical illness, and a disease care bonus can be attached. For the first time in the age of 60, an additional compensation of 20% and 100% can be paid respectively.
In addition, you can choose to attach additional severe cancer medical allowance and second critical illness insurance (the same type of critical illness can also receive a second compensation)
Advantages 1. Can add disease care gold
Super Mary No. 6 disease care gold is optional. The additional compensation is only for ill and severe illness. If mild illness is not ok, the additional compensation ratio for moderate illness is 20%, so the first time the symptoms are first interfered before the age of 60 can be directly compensated 80%.
The additional compensation ratio for severe illness is 100%, so you can directly compensate for the first time of severe illness before the age of 60. This additional compensation ratio is already the current ceiling. If the insured amount is 500,000, you can directly compensate for 1 million.
Advantages 2. The same type of critical illness can also be paid for the second time
. The regular single-time compensation critical illness insurance will be terminated as long as the critical illness has been paid for the serious illness. The second time compensation for the serious illness is limited to different types of critical illness. For example, if you suffer from liver cancer first, a few years later, if you are diagnosed with liver cancer or other cancers again, you cannot compensate again. If the second serious illness is a serious illness other than cancer, such as severe acute myocardial infarction, you can get the second compensation.
Because of this reason, secondary compensation for high incidence and serious diseases has been derived, such as secondary compensation for cancer and secondary compensation for cardiovascular and cerebrovascular diseases.
However, Super Mary 6's second critical illness insurance premium, as long as the conditions meet, even if the second critical illness and the first critical illness are the same as the first critical illness, you can still get a second compensation.
Super Mary No. 6's second critical illness payment needs to meet the conditions:
1. The first serious illness occurs before the age of 60
2. The second serious illness and the first serious illness are 3 years apart
3. If the second serious illness and the first serious illness are the same type of serious illness, the second serious illness cannot be the continuous state of the first serious illness.
compensation conditions are not particularly excellent, but they can also break the situation where the same serious illness cannot be compensated twice.
Advantages 3. Other cancer medical allowances that can be attached
Super Mary No. 6 cancer medical insurance allowance means that after the first cancer diagnosis, as long as one year interval is required, the cancer treatment can be paid 40%, and up to 3 times can be paid.
We all know that the second time of cancer compensation is added, which is very good for cancer protection. However, after the second time of cancer compensation, the interval for obtaining the second time of cancer is 3 years. This interval is not long or short.
At this time, cancer medical allowance will make up for the vacancy during this period, because the interval between cancer medical allowances only needs 1 year.
Cancer medical allowance and cancer secondary compensation have their own strengths. We cannot say which one is better. The interval between cancer medical allowance is short, but the compensation ratio is low and requires continued treatment to compensate.
Although the interval between secondary compensation for cancer is long, the compensation ratio is high. In addition, the trigger conditions for the secondary compensation for some cancers do not require the first serious illness. It can be a serious illness that costs cancer, and the interval only takes 180 days.
Advantages 4. Optional responsibilities Flexible
Super Mary No. 6's death liability, cancer medical allowance, second critical illness insurance, and disease care funds are all optional responsibilities.
When there are no optional responsibilities, it is a simple consumer-type single-time compensation critical illness insurance. Consumers can freely choose additional responsibilities based on their needs and budgets, and frugality is the only one who wants to be.
Insufficient 1. The second critical illness compensation is insufficient
Super Mary No. 6's second critical illness insurance broke the situation where the same disease could only be paid in one time. It was originally a good responsibility.
mentioned earlier that there are 3 claims for the second critical illness, and it must be met at the same time before the compensation can be obtained.
1. The first serious illness must occur before the age of 60. If the first serious illness occurs after the age of 60, the liability for the second critical illness insurance will be terminated.
2. The interval period must be 3 years. If the second and first serious diseases are different from the first serious diseases, the interval period is relatively long.
3. If the second serious disease and the first serious disease are the same type of serious disease, the second serious disease cannot be the continuous state of the first serious disease. This requirement is also more stringent. For example, cancer is always in a state of persistence. If the cancer lesions continue for three years, then this situation cannot be compensated.
In general, the second critical illness has an innovative breakthrough and a limited side. It is recommended not to overly deify this responsibility.
is less than 2. Invisible grouping
Invisible grouping is a common problem in most critical illness insurances. On the surface, it is not grouped, but in fact, only one of the same diseases is compensated for. There are 55 mild and moderate diseases in Super Mary 6, 13 diseases involving invisible grouping, and 4 groups are divided into groups. This hidden grouping is average.
Other inadequacy
1. Compensation conditions for some diseases are strictly: carcinoma in situ, severe rheumatoid arthritis
2. The waiting period is long, and it takes 180 days. The regular one only needs 180 days. The restrictions on insured occupations. Super Mary No. 6 is only limited to 1-4 occupations for insurance. High-risk occupations in categories 5-6 are refused insurance. Therefore, before understanding this product, you must first understand whether your occupation is within the scope of categories 1-4. No When I was about to take out insurance, I found out that I couldn’t buy it. I wasted my work.
Hetai Life was established in 2017. It was initiated and established by eight companies, including CITIC Guoan Co., Ltd., Beijing Juran Home Investment Holding Group Co., Ltd., Shenzhen Jinqiu Engineering Industrial Co., Ltd., Beijing Yingke Bicheng Technology Co., Ltd. (a wholly-owned subsidiary of Tencent), Luanchuan County Jinxing Mining Co., Ltd., Qinhuangdao Yuming Real Estate Group Co., Ltd., Shenzhen Hefengtai Technology Group Co., Ltd., and Shenzhen Mingxiang Holding Group Co., Ltd., with a registered capital of RMB 1.5 billion.
shareholder introduction
CITIC Guoan Group: CITIC Guoan Group is a subsidiary of China CITIC Group, predecessor was the Beijing Guoan Hotel established by China International Trust and Investment Company in April 1987. As of 2017, the company's total assets were 210.6 billion
Beijing Juran Home Investment Holding Group: was established in March 1999. It is a large state-owned holding enterprise jointly invested and established by 33 shareholders including National Hualian Shopping Co., Ltd. and Beijing Zhongtian Jiye Investment Management Co., Ltd., with a registered capital of 81 million yuan. The company's main business scope is to engage in investment, development, commodity agency, marketing sales and services in the home building materials industry, and also engage in management consulting, marketing planning, property leasing, etc.
Operational status
Establishment time: 2017
Registered capital: 1.5 billion
Latest solvency: 167.69% (First quarter of 2022)
2021 original premium scale Ranking: No. 76
Super Mary 6's second critical illness insurance is very friendly to the same type of critical illness, but for the compensation for different types of critical illness, the compensation conditions are relatively strict. Of course, you cannot have both fish and bear's paw, it depends on how you choose. After all, the secondary compensation for high-incidence critical illness and the relaxed compensation conditions may be more practical at present.
Another highlight of Super Mary No. 6 is that it has flexible choices for guaranteeing responsibilities. In addition to mild, moderate, and serious illness responsibilities, the others are optional responsibilities, and optional responsibilities are relatively practical. You can attach as much as you want, and thrift is the one who is frugal. Among them, the compensation ratio of disease care funds belongs to the first echelon.
Overall, Super Mary No. 6 is still a relatively competitive cost-effective critical illness insurance, but there are also some issues worth noting.
will share this today. If you still have questions about Super Mary No. 6, you can send a private message to Aotu.
I am Aotujun. If you don’t know how to configure guarantees for yourself and your family, but you also hope to plan and guarantee them well. If you don’t buy the wrong ones or not, you can help you.
Unified ID of the entire network: Aotubao (WeChat official account)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-