The market for critical illness insurance is getting more and more competitive.

Previously, there was the critical illness insurance for children - Xiaoqinglong No. 3;

Now, the circle of critical illness insurance for adults is getting more competitive again, and the "0 yuan purchase" Darwin No. 9 is online!

Today, Xiaoxin will take you to evaluate Darwin No. 9 to see if this product is worth buying!

01 Innovative "0 yuan purchase" optional protection

Add critical illness premium compensation insurance, and there is a chance to "buy for 0 yuan", which is a major innovative protection of Darwin No. 9 this time.

If a critical illness is diagnosed during the payment period, not only the remaining premium will be exempted, but the accumulated premium paid can also be returned in one lump sum.

After the addition, the premium does not increase much, and the cost-effectiveness can be said to be very high. Let's take a look at an example:

Xiaoxin, female, 30 years old, 500,000 insured amount, lifetime insurance, 30 years of payment, basic liability + critical illness premium compensation insurance, premium 5185 yuan/year.

When she was 50 years old, she was unfortunately diagnosed with lung cancer. The compensation was: 500,000 yuan in critical illness compensation + the previously accumulated premium of 5,185 yuan*20 = 603,700 yuan

A one-time compensation of 629,000 yuan, the policy remains valid, and the critical illness protection is truly realized at "0 yuan".

02 After the critical illness is compensated, the same group of moderate/mild illnesses can still be compensated

Currently, there is a limitation for critical illness insurance with this protection: once the critical illness is diagnosed and compensated, the same group of mild/moderate illnesses can no longer be compensated.

Darwin No. 9 has been upgraded on this basis: after the critical illness is compensated, the same group of mild/moderate illnesses can continue to be compensated.

For example, malignant tumors - severe, the corresponding mild/moderate illnesses are carcinoma in situ and malignant tumors - mild. If Xiao Wang is first diagnosed with lung cancer - severe, and then suffers from liver cancer - mild after the interval period, Darwin No. 9 can compensate, but other products cannot.

This protection increases the probability of compensation for mild and moderate illnesses, which is very practical!

03 Malignant tumors extend to malignant tumors - mild and carcinoma in situ

For most serious illness insurances on the market, the secondary compensation for malignant tumors is only for malignant tumors - severe.

However, the protection of Darwin No. 9 extends to malignant tumors - mild and carcinoma in situ, and the probability of compensation is higher.

① Malignant tumors - mild: 30% of the basic insurance amount (limited to different organs)

② Carcinoma in situ: 30% of the basic insurance amount (limited to different organs)

③ Malignant tumors - severe: 120% of the basic insurance amount (new/recurrence/persistent/metastasis)

* Note: ① and ② are limited to 1 compensation, ③ is limited to 1 compensation

04 There is a chance to get compensation even if there is no serious illness

We may not necessarily get serious illnesses in our lifetime, but as we age, we will have some minor illnesses or accidents, and it is common to deal with hospitals.

The additional hospitalization allowance insurance can make up for the hospitalization expenses in the elderly stage, which actually lowers the claim threshold of the product and greatly increases the probability of compensation.

One thing to note is that the hospitalization allowance and critical illness insurance share the same insured amount, but the advantage is that the additional liability, the premium is only a little, and the cost-effectiveness is very high!

For example, Xiaoxin, female, 30 years old, 500,000 insured amount, lifetime insurance, 30 years of payment, basic liability, premium 4,890 yuan, plus hospitalization allowance insurance, premium 5,050 yuan/year.

The premium has only increased by 160 yuan, and such practical protection is obtained, which is very worthwhile to add!

However, Darwin No. 9 also has its disadvantages, mainly these points:

① Multiple compensations for critical illness, and there is an age limit for the first occurrence of critical illness

Darwin No. 9 is a single-payment critical illness insurance, and critical illness is only compensated once.

Multiple critical illness insurance can be added, and 120% of the insured amount can be paid for the second and third critical illnesses.

There is no age limit for the second and third critical illnesses, and the interval is only 1 year. The protection is more sufficient in the high-incidence age group of critical illness after the age of 65.

However, multiple compensation for serious illness can take effect, requiring that the first serious illness must occur before the age of 65. If no serious illness claim occurs before the age of 65, then this additional liability will be invalid.

② Hospitalization allowance occupies the serious illness insurance amount

We mentioned this issue above. The hospitalization allowance and serious illness of Darwin No. 9 share the insurance amount.

For example:

Xiao Xin, 30 years old, 500,000 insurance amount, lifelong insurance, 30 years of payment.

No claim occurred before the age of 60, and he was hospitalized for 20 days due to pneumonia at the age of 62.

Then the amount of hospitalization allowance that can be paid is: 500,000*0.1%*20 days=10,000 yuan

If breast cancer (serious illness) is diagnosed at the age of 65, the claim part of the hospitalization allowance must be deducted when paying, that is: 500,000 serious illness insurance-10,000 hospitalization allowance=490,000 yuan