1. China Life's critical illness compensation is 40% of the insured amount.
Xinhua's compensation for serious illness is 100%, but only four kinds of serious illness are covered.
The critical illness compensation of Sino-Italian Life Insurance is 100% of the insured amount, covering 32 major diseases, including systemic lupus erythematosus and rheumatoid arthritis. China Life's similar illness only pays 20% of the insured amount.
2. Guaranteed age: China Life Insurance and Xinhua are both 70 years old, and their favorite products are guaranteed for life.
3. Waiting period for illness: China Life Xinhua 180 days, 90 days for favorite products.
4. For cancer in situ, China Life Insurance does not. Xinhua is 15% of the insured amount, which means 20% of the insured amount.
5. Accidental facial plastic surgery is not available in China Life Insurance Company, but Xinhua is covered by 10%, that is, 20% of the insured amount.
6. Due return, China Life did not, Xinhua returned the premium, and Italy returned the insured amount plus dividends.
7. For women-only surgery, China Life Insurance is 5% of the insured amount, Xinhua is not, that is, 10% of the insured amount.
In addition, the annual welfare guarantee of China and Italy also includes
1. Pay the outpatient subsidy of 5% of the insured amount every two years.
2. Nursing assistance guarantee is 20% of the insured amount.
3. Women's pregnancy complications are guaranteed at 20% of the insured amount.
4. Newborn congenital disease protection, 40% of the insured amount.
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