Which version of China Life Insurance 202 1 of China Life Insurance is better? Do you recommend buying it?

As a "national brand", China Life enjoys a high reputation in the insurance market.

Its critical illness insurance is cost-effective. Is the 202 1 version of Guo's richest man popular on the Internet also worth buying? Don't worry, Senior Sister will be here soon.

Since the friends are so concerned about China Life Insurance, the following article is specially prepared for the big guy by the seniors, which will definitely surprise you:

How about China Life Insurance? What products are there? What are the good ones? What are the pitfalls? In-depth analysis.

1. How about China Life Insurance 202 1? Is it suitable for insurance?

If it doesn't work, I won't say much. Senior, just above:

I have finished reading the product drawings. Let's take a look at the specific analysis of this product with our senior sister.

Advantages of Guo richest man 202 1 edition:

1. Flexible payment period

China Life 202 1 has four payment methods: wholesale payment, 10 payment, 20-year payment and 30-year payment. Are you dazzled by so many payment terms?

However, this is mainly to make you pay without pressure. The longer you pay, the better for us. One-time payment will occupy the funds at hand, which is also the opportunity cost of occupying some funds.

Due to space reasons, senior sister will stop here today. More small methods about the payment period have been sorted out by the senior sister and put in the following article. Must be all dry goods:

"How to choose the payment period so as not to lose money? 》

2. A wide range of insurance occupations

Insurable occupation, China Life Insurance 202 1 limit 1-6. There are many critical illness insurances on the market. Even if they are excellent, their insurable occupation range is only 1-4.

Some high-risk occupations are not allowed to be insured at all, which is a way for insurance companies to reduce risk costs. After all, high-risk occupations are prone to claims, which can reduce the probability of claims.

However, the 202 1 version of Guo's richest man can meet these requirements, so seniors must give a compliment!

3. Optional protection plan

As can be seen from the product drawings, the protection plan set by China Life Insurance 202 1 can be divided into two types: A and B.

The coverage of mild, moderate and severe diseases in the two plans is the same, such as some serious diseases, severe acute myocardial infarction, severe stroke sequelae, etc., and there are differences in the coverage of additional compensation between the two plans.

However, the types and proportions of compensation for these specific high-risk and serious diseases in the two protection plans A and B are different, and everyone can buy them according to their actual needs. It can be said that it is particularly good!

Disadvantages of the Celebration Edition of National Birthday Blessing:

1. The proportion of compensation for minors is low.

China Life Insurance 202 1 will enjoy 20% of the insured amount for mild illness.

Seriously, this compensation ratio is too poor to meet the standard of crossing the line. For general critical illness insurance, the proportion of compensation for minor illness is 30%.

Although the difference is 10%, the money of 10% does not mean that you don't want it. Everyone is not particularly rich, right?

2. Long waiting period

China Life Insurance 202 1 The waiting period of this version is 180 days, and the longest is half a year!

From the consumer's point of view, it is inevitable that the waiting period should be earlier and shorter, so that the insurer can enjoy the protection immediately.

It is not comparable to those critical illness insurance products with a waiting period of 90 days.

Third, senior sister suggested.

Judging from the above paragraphs, the critical illness insurance coverage of China Life Insurance 202 1 is average. Although it is average, it still has advantages.

Of course, if you don't mind the minor illness payment ratio and waiting period of China Life Insurance 202 1, it is still an extremely outstanding critical illness insurance.

If you don't like the 202 1 version of China Life Insurance, there are also these excellent critical illness insurances to choose from. Maybe you will meet your Mr. Right:

"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!