Now the critical illness insurance is updated quickly, and the Darwin 7, which was the best to buy before, has been removed from the shelves.
At present, the most worthwhile critical illness insurance is Darwin No. 8 Critical Illness Insurance of Ruihua Insurance.
The name has been changed, and some protection content has been changed.
Darwin 8 has two advantages:
First, the insured occupations are relaxed to 6 categories.
Like truck drivers, ocean crew members of passenger and cargo ships, outdoor decoration personnel, etc.
Friends who were unable to buy critical illness insurance due to occupational restrictions can now finally buy critical illness insurance.
But only on June 1, 2024, that is, after June 1, you can't buy 5-6 occupations.
Second, the guarantee strength and comprehensive cost performance are currently the highest.
Moderate illness can be compensated 3 times with 60% of the sum insured, which is very practical and ** is relatively cheap at present.
So in 2024, if you plan to buy critical illness insurance, chooseDarwin No. 8 Critical Illness InsuranceThat's it.
Compared to Darwin 7, which has already been taken off the shelves, the pigeon has a table:
The basic protection of the two is similar, and they are a three-piece set of critical illness, moderate and mild illness compensation.
It's just that the No. 8 is slightly more expensive than the No. 7, but it's within acceptable limits.
Although it is not very expensive, according to this trend, I am afraid that critical illness insurance will be a little more expensive every time it is updated in the future.
Therefore, it is still recommended to buy critical illness insurance as soon as possible.
Let's take a look at Darwin 8 specifically:
110 kinds of serious illness 100% of the insured amount is compensated for 1 time, which is considered standard;
60% of the sum insured for 35 moderate diseases is compensated 3 times, which is the highest level at present;
30% of the insured amount of 40 mild illnesses is compensated 4 times, and the regulatory regulations stipulate that the insured amount of critical illness insurance for minor illnesses cannot exceed 30%, but it can be compensated 4 times, which is considered a very conscientious one.
Although the difference in basic coverage is not too big, butThere are many options for additional optional liability at Darwin 8
It's just that the fly in the ointment is that the additional "sickness care insurance benefit" and "critical illness multiple compensation" are only available before the age of 60.
According to the current average incidence of critical illness, the probability of suffering from critical illness before the age of 60 is low, and these two benefits are indeed not practical, so it is not recommended for everyone to buy them.
There are also "death benefits" and "10 specific cardiovascular and cerebrovascular diseases" that are not recommended to buy, which is not very practical.
However, the "Cancer Additional Compensation" and "Hospitalization Allowance" are very conscientious, and you can buy them if you have the budget.
Unlike other critical illness insurance, Darwin 8 has additional claims for cancer, not only for severe malignant tumors, but also for mild malignant tumors and carcinoma in situ.
This is something that was not available in previous critical illness insurance.
This means that once the cancer is diagnosed, whether it is mild, moderate or severe, you can get the excess insurance benefit.
Moreover, both the first diagnosis of cancer and the diagnosis of cancer after an interval of 3 years can be compensated, which is equivalent toCancer is paid 2 times
For the additional compensation for cancer in Darwin 8, it is recommended to buy it if you have a budget.
* It will be a few hundred dollars more expensive, of course, the younger the cheaper.
The specific protection is shown in the figure below
Darwin 8 Cancer Additional Benefit ClauseThere is also a hospitalization allowance, if the insurance amount is more than 400,000, the pigeon feels that it can be bought.
Because its allowance is not a fixed price, but 0 of the sum insured1% for up to 90 days.
For example, with an insurance amount of 500,000, you can get 500 yuan for every day you are hospitalized.
At present, most hospitalization allowances are 100-200 yuan.
On the purchase of Darwin 8:
It is recommended to choose more than 400,000 sum insured, pay for 30 years, and additional hospitalization allowance can be bought.
If you have enough budget for cancer multiple claims, you can buy it, and it is not a big problem if you don't buy it.
Don't buy death benefits and other additional insurance, they are not worth much and will make you spend more money.
Of course, if you have other insurance questions.
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