Which is the best sickness insurance?

Ping An Fu 2018, Taikang 100%.

Simply put, it is a 500,000 sum insured critical illness insurance, if you live to 90 years old without illness, even if you die naturally, you can get a 500,000 payout.

These traditional lifelong critical illness insurance products are now available in a wide range of products, such as Ping An Blessing, Taikang 100%, Pacific Golden Blessing Life, Guoshou Kangning, PICC Blessing and so on.

Peaceful Blessing 2018: Whole life insurance + additional Peaceful Blessing Advance Payment Critical Illness Insurance.

Taikang 100 percent: Health 100 percent C major disease insuranceThese products get 100% of the sum insured no matter what, so these products are not cheap.

30-year-old male, 500,000 coverage for life, the annual premium is between 11,000 - 16,000 yuan.

Besides this, there is another kind of product that does not contain death liability and only focuses on the protection of diseases without life insurance liability, this kind of product we can call "consumer pure critical illness insurance".

This type of product can be very, very low in annual premiums because it removes the life insurance coverage and you can choose to insure it only for a certain period of time, for example, only up to the age of 70 or 80.

30-year-old male, 500,000 coverage, 30 years of premiums, insurance to 70 years of age, the annual premium is about 3,000-4,000 yuan, compared with the traditional products will be less expenditure on premiums.

Common products such as: Hongkang Healthy Life A, Hundred Years of Health Insurance, Fuxing Union Kang Le e Sheng, Sunshine i Insurance, etc.

So, depending on your budget and preference, you can choose traditional critical illness insurance, or you can choose a more flexible consumer-oriented critical illness insurance with lower premiums. There is no good or bad right or wrong in these two types of products, you need to look at it in the context of your own needs, and choose according to your needs.