Super Mary 5 and Darwin No. 5 Glory were the two most recommended major illness insurance plans for last year's Ten Steps.
At the beginning of the new year, Darwin 6 preemptively hit the shelves, but Super Mary 6 has not heard from it until yesterday.
One small detail is uncertain: whether there will be a 70-year-old during the coverage period is yet to be determined.
In other respects, the protection is still a surprise, and the health notice and underwriting also retain the loose advantage of No. 5.
Let's take a look.~
First, Super Mary 6 to protect what
Mary 6 is still underwritten by Hetai Life, for people aged 0-55, can pay up to 20 or 30 years, and the occupation is limited to categories 1-4.
Compared to Mary 5, Number 6 has these adjustments:
Required Benefits:
There are 110 kinds of serious diseases, 20 kinds of moderate diseases, 50 kinds of mild diseases, and the sum insured and the details of the coverage are basically the same.
There is one key change:
Mary 6 untied the old version of the "Critical Illness Recovery Guarantee"! And an upgrade was done.
There's only one type of major illness insurance I like the most: flexible and simple. It would be better to bundle something less.
Optional Benefits:
(1) After the recovery guarantee for serious illness is unbundled, it will be upgraded to:
After the first serious illness is diagnosed before the age of 60, after an interval of 3 years, the same kind of serious illness (except for the state of continuation) or a different kind of serious illness is re-diagnosed, and 80% of the basic sum insured is compensated.
This guarantee is equivalent to a "small" variant of secondary serious illness + secondary cancer prevention, and I will talk about it in detail later.
(2) Allowance for severe malignancy:
After 1 year of cancer diagnosis, the cancer status persists, and 40% of the basic sum insured is paid, up to 3 times, with an interval of 1 year each time.
This is the same as Mary 5, unchanged, and is particularly emphasized in the article."
(3) Care and protection for severe and moderate illness:
If a serious illness is diagnosed before the age of 60, an additional 100% of the sum insured will be compensated, and if the disease is diagnosed, an additional 20% of the sum insured will be compensated.
This is a pre-60-year-old insurance for serious and moderate illnesses, and the budget is sufficient to consider.
The above three optional benefits, I tend to order: cancer benefit> recovery from serious illness> disease care.
Product Price:
If only the guarantee is required, 500,000 insured is guaranteed for life, 30 years of payment, 30-year-old men only need 5300 yuan / year, women only need 4935 yuan / year.
Really good price~
If the budget is sufficient, consider increasing the cancer allowance, under the same conditions, 6265 yuan / year for men and 6100 yuan / year for women.
Alternatively, you can also consider using the recovery guarantee for serious illness instead of secondary serious illness and secondary cancer prevention to protect weaknesses, but the price is also low: 5620 yuan / year for men and 5215 yuan / year for women.
Second, Super Mary 6 pros and problems
Mary 6 inherits the advantages of No. 5, but also inherits its shortcomings, the same to say.
Advantages:
(1) High flexibility, less bundled things
In recent years, serious illness insurance products have become better and better, but the price has also been rising, because what? It is not more than a bundle of things, the most typical is the "disease care guarantee", the additional compensation for serious diseases, the additional compensation for moderate and mild diseases, which is equivalent to compulsory insurance.
Why Mary 6 and Darwin 6 are highly respected, is not less bundled, giving consumers more room to choose.
Thousands of articles, the first article of sufficient insurance.
A lot of protection has been added, but the amount of insurance for serious illness is insufficient, that is, the end of the book.
(2) The underwriting is relaxed and the insurance threshold is low
Mary 6, like the old version, has health notice and smart underwriting.
For example, the physical examination is abnormal, Mary 6 only asks within 1 year, and most products ask within 2 years.
For example, common T-wave abnormalities, high blood pressure, thyroid nodules and other problems, Mary 6 has the opportunity to cover.
(3) The security is solid and there is no dark pit
The types of mandatory guarantees are complete, corresponding to 28 kinds of high-incidence serious diseases and 34 kinds of high-incidence medium and mild diseases:
Product Questions:
Chaoma No. 6 still has a maximum sum insured limit for Heilongjiang, Jilin, Liaoning and Inner Mongolia:
0-40 years old: 300,000 ≤; 41-45 years old: ≤ 200,000; 46-50 years old: 100,000 ≤; 51-55 years old: ≤50,000.
As a Dalian person, I am very helpless.
Third, the contest with Darwin
To speak of Super Mary is not to speak of Darwin, and vice versa. The core guarantees of the two of them are very close, only slightly different.
Let's start with mild diseases:
The sum insured amount and number of claims for minor illnesses of the two products are basically exactly the same.
The 34 high-incidence moderate-mild diseases are also almost identical, the only difference is in the two diseases: "reversible aplastic anemia" and "mild chronic respiratory failure", chaoma 6 the former is moderate and mild; Darwin 6 is the opposite.
Critical Illness Recovery Benefit:
Darwin No. 6 also has a serious illness recovery guarantee, plus Mary No. 5, the three products are different:
The interval between Mary 6 is indeed long, but the second compensation is less limited, the best of the three products.
Mary 5 asked for the second diagnosis to be after the age of 60, and Darwin 6 asked for before the age of 60.
In terms of sum insured, Darwin is the highest, but there is a process of "year-on-year recovery", and the disease is also limited to "other serious diseases other than the first serious illness".
Disease Care Protection:
Mary 6 is more secure and the price is high.
Cancer Special Benefits:
Darwin No. 6 is an unlimited compensation with an interval of 3 years, 100% of the sum insured is a one-time benefit; Mary 6 is a cancer benefit, with an interval of 1 year, up to 3 times, 40% of the sum insured each time.
Each has its own advantages, not the same kind of guarantee.
In general, the two products are equally divided, and each has its own advantages and disadvantages.
The core coverage is comparable, but the underwriting of Mary 6 is looser than that of Darwin 6, and for some areas, Darwin 6 has a slight advantage in the maximum amount of insurance.
Fourth, to sum up
The Internet adult serious illness insurance has presented a situation of two males and two males, and our choices have become more.
Super Mary 6 is well guaranteed, with less binding, flexible configuration, and loose underwriting, which is very recommended.
The product has not yet been launched, the official release date should be next week, then I will take a closer look, so that everyone can buy at ease.