Hello everyone, this article will talk about "Darwin 3 and Super Mario 3 Max". I hope it will be helpful to you~

The definition of serious illness is revised on the way. It will be a moderate change in the insurance market.

In this context, many insurance companies have successively removed popular products from their shelves in order to prepare for products defined under the new regulations.

Xintai Life is "going against the wind" and successively launched Darwin 3 and Super Mario 3 max, two critical illness insurance products that are very similar.

Both belong to the same company, but are customized by different sales platforms. As a result, Darwin 3 and Super Mario 3 Max are very similar. The biggest difference is that the additional compensation methods for moderate and mild cases are different.

The easiest way is to buy half of each.

But if you have to choose one between Darwin 3 and Super Mario 3 Max, let me share my personal thoughts for reference. Question 1:

The difference between Darwin 3 and Super Mario 3 max

Compared with Darwin 3 and Super Mario 3 max, even mild carcinoma in situ can be compensated an additional 1 times, but the two confirmed locations must be different.

The biggest or even the only difference between the two is that the forms of additional compensation for moderate and mild cases are different. 1. Darwin No. 3

Moderate to moderate stroke can be compensated for one additional time, but the requirement is that it is new

Three high-incidence mild illnesses (atypical myocardial infarction, minimally invasive coronary syndrome) Arterial bypass surgery, minimally invasive coronary intervention) can be compensated for 1 additional time, regardless of new onset or recurrence 2. Super Mario 3 max

If the first diagnosis of moderate disease is before the age of 60 (not included), An additional 15% of the basic insured amount will be paid, that is, 75% of the basic insured amount will be compensated for the first moderate illness

If a minor illness is diagnosed for the first time before the age of 60 (not included), an additional 10% of the basic insured amount will be paid, that is, the first minor illness will be compensated 55 basic insurance amount Question 2:

The price of Darwin 3 and Super Mario 3 max

Darwin 3 and Super Mario 3 are both based on Super Mario 2 Upgraded, all three are underwritten by Xintai Life Insurance, but the sales channels are different. 1. Comparing Darwin 3 and Super Mario 2

Required liability: the average rate increase is 11%

Required liability secondary cancer benefit: the average rate increases by 12.3

Required liability Secondary compensation for cancer Secondary compensation for cardiovascular and cerebrovascular diseases: The average rate increase is 13.52, compared with Super Mario 3 and Super Mario 2

Required liability: Rate The average increase is 6.5

The mandatory liability for secondary cancer compensation: the rate increases by 8.4 on average

The mandatory liability for secondary cancer compensation and the secondary compensation for cardiovascular and cerebrovascular diseases: the rate increases by 10 on average

It can be seen that the guarantee liability of Darwin 3 and Super Mario 3 has been upgraded, but the price increase has not been significant.

It also illustrates a problem. There is no room for competition in the price of critical illness insurance, and it has already reached the floor price. Question 3:

The shortcomings of Darwin 3 and Super Mario 3 max

Both products belong to Xintai Life Insurance and have the same shortcomings:

Insured occupations are limited to Category 1-4

A maximum of 300,000 for 0-17 years old

Health notification is relatively strict

Strict requirements for the insured area

The definition of the waiting period is strict

The claims for the sequelae of moderate stroke are stricter, but generally speaking, Darwin 3 and Super Mario 3 do not have loopholes or defects, but they are just not enough in some details. Perfection does not cover up the advantages of both.

Question 4:

How to choose between Darwin 3 and Super Mario 3 Max?

As mentioned at the beginning, there is really no need to worry, the simplest way is: buy half of each.

If you have to choose one to buy, I recommend Darwin No. 3. Why do you say that?

Today, cardiovascular and cerebrovascular diseases have gradually become the disease that threatens mankind the most, with a mortality rate even higher than that of cancer.

In addition, there is no cure for cardiovascular and cerebrovascular diseases. They can only be maintained or improved through drugs and surgery, which treat the symptoms rather than the root cause.

A little carelessness or poor living habits, etc., may very well lead to a second surgery.

And this is precisely the biggest advantage of Darwin 3.

Compared with Super Mario 3, Darwin 3 has more comprehensive coverage for cardiovascular and cerebrovascular diseases, and three high-incidence mild diseases can be paid twice in life.

Over the years of working in the industry, I have heard or seen two extremes among insurance consumers:

One is that they have little interest in the product and just believe what the agent or broker says. , I bought it based on the recommendation.

The other type is severe difficulty in choosing, and is unable to extricate itself from comparing products. They all feel good, but they are not perfect.

In fact, endless selection of so-called perfect products consumes not only energy, but also time.

After all, age and health are irreversible.

Finally, here is a picture to encourage everyone:

Of course, insurance is not a simple buying and selling behavior, but depends on personal circumstances, health status, and budget. , personal preferences, family situation, etc. an overall plan.