Recently, another heavy pound is little weigh disease to appear on the market regularly, the name of the product also is obtained more and more interesting, cry " mammy baby " , it is answer star to combine a company to manufacture.
The affiliation of mammy baby, the market competes also more and more turn white-hot, but Mom of treasure pa treasure is done however confused, should buy which after all, really alleged happiness also has trouble.
3 wood hold to such viewpoint from beginning to end, the product can change ceaselessly, the affirmation tomorrow is compared today's good, mom of treasure pa treasure cannot buy insurance ten million when the dress, every product has the characteristic of oneself, those who suit oneself is best.
Below, we choose time with respect to the flower, those who comb the sell like hot cakes on next markets is little weigh disease regularly, see them after all blossom what appearance? 3 wood will from below spread out an analysis at 3 o'clock:
01What is little weigh disease regularly?
Insurance product more and more fractionize, cast according to insurant keep the age, cent of serious illness risk is: Little serious illness, adult serious illness, general serious illness (adult and child can be cast protect) , little of serious illness cast protect the age to be restricted commonly in 0 years old - 17 one full year of life.
For instance these products: Restful little of restful blessing, Chinese birthday little Guo Shoufu, still have the harmonious Hui Xinan that wants evaluation today, hundred years bumblebee 2, Pacific Ocean is little exceed can treasure 3, medium Tong Le of carry on one's shoulder is protected, answer star mammy.
So after all what is little weigh disease risk regularly?
Will simply tell, be aimed at 0 years old namely - child of 17 one full year of life is cast protect, insurance period is restricted to be 10 years, 20 years, wait 30 years blame is lifelong serious illness risk.
Risk of this kind of serious illness is like next characteristics normally:
1, insurance cost is cheap, (little restful blessing is to maintain all one's life, do not calculate inside) ;
2, in the light of little send specific disease high additional compensate pays, (normally 100% , 200% wait) ;
3, insurance time limit is shorter, (general the longest do not exceed 30 years) .
Of course, besides these specific element, every product still has such or in that way different, how to discern after all risk of a serious illness, another article that can the friend that have fun at read me " what does serious illness risk still compare besides case of rate of exchange? The flower makes sure you can understand 6 minutes! " .
02Buy little what to weigh disease to want to notice regularly? 
Simple understanding is little after weighing disease regularly, what essential factor should everybody note when buy?
3 wood think, should have chosen little weigh regularly you should emphasize disease when to be as follows alertly:
1, product configuration
Serious illness is odd second compensate pays or for many times compensate pays, for many times compensate pays in group circumstance how, according to actor bad sort: Not in group for many times compensate pays > in group for many times compensate pays (malignant tumor is alone in group best) > second compensate pays sheet.
Die responsibility remedies a situation, according to actor bad sort: Compensate keeps the specified number > accumulative total already paid insurance cost > cost of money.
Time-expired return return a case, some products, serious illness compensate did not happen to pay between insurance period, when at the expiration of one's term of office of insurance time limit, can return return brushstroke time-expired insurance gold, of course, this kind of fixed insurance cost that weigh disease is expensive also much.
2, little tall hair is specific serious illness
Little serious illness risk has a common characteristic, that happens namely little can additional compensate pays specific disease insurance gold, these are little special disease is not insurance guild to unite make, take by each him insurance company however hold, accordingly, each product is little special the sort of disease is a little different, differ even quite big still, policy-holder wants a focal point when buy advertent. Current, the society is accepted little tall hair is special disease has:
Of course, contain little special the amount of disease has been jumped over more more, but more crucial is to contain tall hair special the amount of disease and compensate pay the forehead to spend.
3, cost leads on any account
Product cost rate is majority policy holder serious consideration element, 3 wood suggest everybody is not staring at the price to look only, it is cheaper to be not better, heavy if see a product,omnibus price is compared.
4, other essential factor
Buy serious illness risk, healthy state is very pivotal also, if be completely healthy system, so the choice range of the product is relatively a lot of wider, if be not completely healthy system, drop the restriction that the meeting when protecting is informed by health, every product health is informed comfortable degree different, cast when protecting, fibrous root makes corresponding choice according to the circumstance of oneself.
Every product is highest avoid check-up to keep the specified number not identical also, the fixed number of year that pay fee also has difference, time limit of the longest insurance also can differ, of course, these dispute core element, but the choice that still can affect policy holder.
03Are 5 sell like hot cakes little the fixed evaluation that weigh disease?
1, the product contrasts integratedly
The word does not say more, go up first graph:
▲ from on the picture looks, can get following verdict:
(1) 25 kinds of when risk of 5 serious illness included insurance guild to set tall hair weigh disease (take serious illness incidence of a disease 98% the left and right sides) , each product is overall the difference is not big, hui Xinan has 50 kinds only, photograph comparing shows inadequacy slightly, mammy treasure Becquerel chooses serious illness 2 times compensate pays, solid therefore little the innovation that weighs disease regularly.
Serious illness compensate pays on, little super- can treasure is keep the specified number + already paid insurance cost, bumblebee till,2 grow every year by the 5% compound interest that keep the specified number from year of the 2nd guarantee slip year of the 11st guarantee slip, other pay according to the compensate that keep the specified number, this two products show an advantage slightly.
(3) look on die responsibility, 18 years old before it is compensate pays accumulative total to already paid insurance cost, after 18 years old, little super- can treasure 3 according to 1.5 times already handed in insurance cost to be best.
(4) on product configuration, little super- can treasure 3 return to return model serious illness, if insurant lives to the at the expiration of one's term of office between insurance period, by what already paid insurance cost 1.5 times pay time-expired insurance gold, other product is consumption model.
(5) all products take exempt of insurant light disease to did not pay insurance cost oneself, little super- can treasure 3 take exempt of policy-holder die, total damage, serious illness to did not pay insurance cost oneself, bumblebee 2 it is with exempt of policy-holder of mammy insurance cost optional.
(6) look from cost rate, insurance cost from tall after all ordinal for: Little super- can treasure 3, mammy baby, bumblebee 2, Tong Le is protected, Hui Xinan.
2, little specific disease is comparative
▲ from on the picture looks, if make conclusions,reach:
(1) all products contain leukaemia, tall hair is little special disease enclothes a face to arrive from actor difference is ordinal for: Mammy baby, little super- can treasure 3, Tong Le is protected, bumblebee 2, Hui Xinan.
(2) mammy baby still has 5 kinds of rare disease according to 200% keep the specified number additional compensate pays, calculate on little the another big innovation that weighs disease regularly.
3, in disease, light disease is comparative
Current, difference of responsibility of each product serious illness is less and less, the light disease compensate that visits whose home than spelling core content to be transferred pays have sincerity. Light disease namely the early days condition of major disease, if cure is seasonable reasonable, the probability of rehabilitation is very high, as ceaseless progress of medicine, cure rate will be higher and higher.
Each light disease has after all insincere, see 25 kinds of tall hair weigh plan of disease correspondence light illness please:
▲ from on the picture looks, conclusion is as follows:
(1) in light of the light disease that 6 kinds of tall hair weighed disease correspondence once upon a time, all products are very good, can enclothe completely, mammy baby is not typical miocardial infarction, slight the head is apoplectic refund of compensate of the disease in having already has light disease compensate to pay, in be all products best, what Dan Meizhong is not worth is small achieve responsibility of coronary artery operation to be short of break.
Light disease of correspondence of serious illness of before widening 25 kinds of tall hair is enclothed look on the face, mammy baby is best, little exceed can treasure 3 take second place, other 3 have actor of low quality each, bumblebee 2 be short of on liver disease light disease break, have inadequacy a bit.
(2) in compensate of disease, light disease pays look on the frequency, hui Xinan and Tong Le are protected for sheet second compensate pays, bumblebee 2 and little super- can treasure 3 it is 3 times not in group compensate pays, mammy baby pays besides compensate of the disease in outside having what light disease compensate pays 2 times, still having, in be 5 products optimal.
Light disease compensate pays the forehead to spend on, mammy baby is best, little super- can treasure 3 pay according to the 20% compensate that keep the specified number the poorest, other according to 30% keep the specified number additional compensate pays.
4, particular product analysis:
Bumblebee of life of hundred years person 2
Product advantage:
(1) serious illness protects the forehead to be able to be brought up, keep the specified number before 11 years according to annual 5% compound interest increase by degrees,
(2) the choice between insurance period is more, insurable 20 years, 30 years, to 50 years old, to 60 years old; Pay cost time is the 30 years longest.
(3) optional policy-holder exempt, parents is occupied avoid did not pay insurance cost, the child is ensured as before.
(4) company branch is wider, following area can cast protect: Hubei, Heibei, Liaoning, Beijing, Henan, Heilongjiang, Anhui, Shandong, Jiangsu, Sichuan, Fujian, Shaanxi, inside unconscious, Jilin, Jiangxi, Zhejiang, Shanxi, Guangdong, Chongqing.
Product flooey nods:
(1) 12 kinds little specific before serious illness is restricted 18 years old only;
(2) on light disease responsibility, liver disease is short of break, show a regret a bit.
Harmonious and healthy Hui Xinan
Product advantage:
(1) insurance cost is the cheapest in 5 products, no matter be light disease, little special difficulty is realer, product sex price is compared tall;
(2) company branch is wider, following area can cast protect: Beijing, Shanghai, Jiangsu, Zhejiang, Sichuan, Heibei, Guangdong, Liaoning, Hubei, Shandong, Shenzhen, Anhui, Fujian, Heilongjiang, Shaanxi.
Product flooey nods:
(1) without policy-holder exempt insurance cost this;
(2) serious illness 50 kinds, little special disease 8 kinds, both amount is photogenic show inadequacy slightly than other product.
Tong Le carries on his shoulder or back to protect in
Product advantage:
(1) rate of Tong Le insurance cost and Hui Xinan differ very few, serious illness, special a bit much drop is brought than Huixin on amount of disease, light disease, special likeness is installed with Huixin on whole, product sex price is compared pretty good also.
Product flooey nods:
(1) do not have policy-holder exempt insurance cost likewise this;
(2) on light disease, burn responsibility is short of break.
Answer star combines mammy baby
Product advantage:
(1) serious illness is optional not in group 2 times compensate pays, satisfied a preference to weigh disease for many times the friend that compensate pays;
(2) partial light disease was put in disease compensate pays, compensate pays the forehead to spend achieved 50% ;
(3) optional policy-holder exempt, parents is occupied avoid did not pay insurance cost, the child is ensured as before.
(4) 18 kinds little special disease is 5 products in most, enclothe 16 kinds in the round almost little tall hair is special disease;
(5) initiate 5 kinds of rare disease are additional the 200% compensate that keep the specified number pay.
Product flooey nods:
(1) in light disease, small achieve coronary artery operation to be short of break, have a regret a bit;
Pacific Ocean is little exceed can treasure 3
Super- can treasure 3 it is to return still model weigh disease regularly, product configuration and above 4 products are disparate, direct contrast distinguishs hard actor bad, 3 wood teach everybody one tears open the method of danger.
Actually, return still model serious illness is OK fractionation is two parts: Risk insurance cost and annuity insurance cost
Risk insurance cost: Assume serious illness, light disease, special the liability of this part insurance such as disease and disbursement insurance cost.
Annuity insurance cost: For time-expired can pay time-expired insurance gold to the person that be protected, insurance company is being cast brushstroke money closes to take investment more when protecting, the part that uses profit and capital will be protected the person cashs.
We lift an example specification below:
Mammy baby should say on safeguard responsibility a bit excel is little super- can protect 3, we serve as with respect to the insurance cost that takes mammy baby little super- can keep the risk insurance cost of 3. See figure below:
▲ from on the picture looks, we are cast with serving as 0 years old keep the age, keep the specified number 200 thousand, hand in cost period 10 years. Look from safeguard responsibility, little super- can treasure and mammy baby comparative, inferior a bit even at mammy baby, what we should look is annuity insurance cost the yield of this money how. See figure below:
▲ from on the picture looks, this many yield that controls insurance cost is mere year change 2.3% , return bank of existence of be not a patch on even, it seems invests this sum not be to one's profit.
Product advantage:
(1) big company product, do not talk to go up on the service outstanding, but still have certain safeguard sex;
(2) safeguard responsibility is more overall, and tall hair light disease, little special it is better that disease covers a range;
(3) bring policy-holder remission oneself, parents is occupied avoid did not pay insurance cost, the child is ensured as before.
(4) company branch is wider, almost countrywide limits can be cast protect.
Product flooey nods:
(1) insurance cost is more expensive, and sexual price compares on the low side, the person that insurance cost budget is not worth careful into;
(2) light disease compensate pays the forehead to spend only 20% keep the specified number, under the market average level.
3 wood are summed up
The product of the article is evaluated, oneself as far as possible base oneself upon the footing at objective, be practical and realistic, 3 wood think, every product cost insurance essence to calculate division people a large number of painstaking effort, cannot say of low quality of what actor what one-sidedly, want to consider integratedly in the round, can say respective side focal point is different only, the client object of fixed position is different, partial person may feel little super- can treasure 3 quite good.
Accordingly, buying little when serious illness risk, be sure to keep in mind to want to combine the characteristic of the actual condition of oneself and product itself, accomplish have a definite object in view, reasonable configuration.
Finally, also welcome wide readership is discussed jointly together with 3 wood with study, if feel the article still has a dot to use to oneself and other, hope transmit gives the person of need, thank!
