In fact, not only critical illness insurance , but also any insurance product has its corresponding insurance conditions, and the age limit for insurance is one of them.
However, taking into account factors such as age, physical health of the insured, and claims risks, the age range for critical illness insurance will be relatively narrow, such as from 28 days old to 55 years old. The specific restrictions will depend on the specific insurance product.
Next, I will talk about the relevant content of critical illness insurance. Interested friends may wish to follow along to learn more.
Focus of this article:
1. How to choose critical illness insurance?
2. Analysis of popular critical illness insurance products on the market!
1. How to choose critical illness insurance?
When buying critical illness insurance, there are many factors to consider, and it is not just the age limit for insurance. It is recommended that everyone consider it carefully before purchasing insurance.
Next, I will tell you about how to choose critical illness insurance from the coverage content, insurance amount, coverage period and health information.
1. Protection content
Under normal circumstances, the protection content of critical illness insurance is mainly divided into two parts: mandatory protection and optional protection. The mandatory protection also includes mild, moderate and severe protection, insured exemption, etc.; while the optional protection is mostly multiple compensation protection for certain specific high-incidence diseases.
In order to obtain a relatively complete protection, it is recommended that everyone give priority to critical illness insurance products that cover mild, moderate and severe diseases. After all, no one can predict what diseases you may get in the future; choosing one with more complete protections will be more secure than those with only single critical illness protection.
2. Insured amount
Regarding the insured amount, my sister’s suggestion is: within your own financial scope, try to choose a higher insured amount .
Some friends may wonder why they don’t directly choose products with high insurance coverage? Although critical illness insurance with high insurance coverage provides more adequate protection, the premiums required for high insurance coverage are not a small amount; even if the premium is paid in installments, the pressure on the policyholder to bear the premium in each period is not small.
Therefore, it is recommended that when purchasing critical illness insurance, you should choose an insurance amount that is sufficient within the economic scope (for example, 500,000 insured amount) if you do not have a very sufficient insurance budget.
3. Guarantee period
As for how to choose the guarantee period, it mainly depends on whether you want long-term protection or short-term protection. However, it is recommended that you choose , which will have better long-term protection. .
You must know that people's physical functions decline with age. The older people are, the less likely they are to successfully apply for critical illness insurance. It is better to directly choose long-term protection when you are young and have a budget.
2. Analysis of popular critical illness insurance products on the market!
There are quite a lot of popular critical illness insurance products on the market, such as Harmony Health Insurance ’s Xilebao Critical Illness Insurance (Internet Exclusive), Tongfang Global Life’s ’s Versailles PLUS critical illness insurance, Hetai Life’s Super Mario No. 6 critical illness insurance, Xintai Life’s Perfect Life Guard 2022 critical illness insurance, etc.
Due to space limitations, I will give you a brief introduction below using the Xilebao Critical Illness Insurance (Internet Exclusive) of Harmony Health Insurance as an example.
In order to let everyone see the situation of Xilebao Critical Illness Insurance (Internet Exclusive) more intuitively, I have compiled the basic information of this product in the table below, as shown in the figure:
Friends who have seen the protection map can know that the protection content of Xilebao Critical Illness Insurance (Internet Exclusive) is very rich.
From the perspective of insurance conditions, Xilebao Critical Illness Insurance (Internet Exclusive) supports people who are 28 days old to 65 years old. There are two protection period options: insurance to 70 years old and lifelong insurance; and in terms of payment period, policyholders have five options to choose from: single payment, 5/10/20/30.
In terms of protection, Xilebao Critical Illness Insurance (Internet Exclusive) also performs well.
This product not only provides three basic protections: mild, moderate and severe, specific disease nursing insurance and the insured's mild, moderate and severe exemption protection , but also sets up corresponding optional protection for malignant tumors - severe and specific cardiovascular and cerebrovascular diseases , death or total disability.
More importantly, Xilebao Critical Illness Insurance (Internet Exclusive) has invested heavily in protecting mild, moderate and severe illnesses. If the claim conditions are met, the insured can enjoy additional compensation protection.
Overall, Xilebao Critical Illness Insurance (Internet Exclusive) is indeed a critical illness insurance product worth considering.
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