Is it worth buying mobile phone screen breakage insurance? After comparing six major brands, we found that the more complex the rules are, the more disadvantaged the users will be.
Some time ago, Xiaolei accidentally broke the back cover of his phone. Fortunately, Xiaolei had purchased an accidental damage insurance service for his phone, and replacing the phone backplate alone only cost 188 yuan. Even better, according to Apple's price list, even if the front screen of the phone was broken, with AC+ (Apple Care+), replacing the screen would also only cost 188 yuan. It can be said to be quite a "good deal".
But is this really the case? Although the single - repair price for Apple AC+ to repair a phone will not exceed 628 yuan (if the total repair price for multiple damaged parts exceeds 628 yuan, Apple generally gives a capped quote as "other damages"), don't forget that we have to pay extra for AC+ itself. This "good deal" is more of a bargain within Apple's repair system.
This leads to today's question - Is the screen - breakage insurance of mobile phone brands really worth buying?
According to the domestic mobile phone sales volume ranking in November 2025, we counted the after - sales service situations of the top 6 mobile phone brands in terms of sales volume. Among them, Apple only provides a complete accidental damage insurance service for the whole device, while the various warranty services of domestic mobile phone brands are much more complicated.
Xiaomi: Rich service options, but unfortunately the information is not updated in time
On the purchase page of the Xiaomi 17 Ultra, we can see two value - added services: MiCare Carefree Edition and One - year Extended Warranty (Value - preserving replacement and extended warranty do not involve accidental damage repair and are not included in this comparison). However, from another Xiaomi webpage, it's not difficult to find that, depending on the model, Xiaomi actually offers four different after - sales repair services, namely MiCare Carefree Edition, Extended Warranty, Screen - breakage Protection Service, and Accidental Damage Protection Service.
Image source: Xiaomi
Let's first take a look at the MiCare Carefree Edition. According to the official website introduction, the MiCare Carefree Edition offers "multiple times in two years" service. However, when we open the service introduction, we will find that the MiCare Carefree Edition actually has a limit on the repair amount. According to Xiaomi's explanation, "The cumulative repair amount for free repair times shall not exceed the recommended retail price of the phone when purchasing this service (MiCare Carefree Edition)."
To put it simply, if you buy a Xiaomi 17 Ultra priced at 6,999 yuan, then the MiCare Carefree Edition will only cover repair costs within 6,999 yuan; within two years, as long as the 6,999 - yuan repair quota has not been used up, you can enjoy unlimited repairs for screen, rear - camera, and battery - cover breakage. But if the 6,999 - yuan repair quota is not enough to cover the cost of the next repair, you will have to make up the difference yourself.
Additionally, according to the service terms, if parts other than the phone screen, rear - camera, and battery cover are damaged, we may also need to pay extra.
The service terms page of Xiaomi's MiCare Carefree Edition also specifically drew a table to explain this situation.
Image source: Xiaomi
Moreover, perhaps due to the untimely update of website data, the repair - price query page provided in the service terms of the MiCare Carefree Edition does not include the repair - price data of newer models such as the Xiaomi 17. Users need to call the customer service for consultation themselves, and the experience really needs improvement.
vivo: Misleading product description, provides accidental damage insurance for the whole device
After talking about Xiaomi, let's take a look at vivo. Different from the complex and outdated webpage data on Xiaomi's official website, vivo's official service guarantee page is much simpler and does not require users to log in first to view. In terms of services, vivo offers five services: Screen - breakage Carefree, vivo care+, Screen - breakage Insurance, Accidental Damage Insurance, and Extended Warranty. Strangely enough, vivo's website seems a bit "self - contradictory".
Take the Screen - breakage Carefree service ranked first as an example. Vivo marked "Free screen replacement" in orange characters next to the service name, but the following introduction, picture examples, and service instructions clearly state that "...you can enjoy a 50% discount on the screen replacement price shown on the vivo official website to replace a brand - new original factory - installed screen once;".
Image source: vivo
So, is there an accidental screen - breakage repair service that doesn't require additional payment? Yes, the Screen - breakage Insurance below is such a service.
As for vivo care+, which seems to have a name similar to Apple Care+, it is essentially a combined service package that includes four major services: Screen - breakage Insurance, Extended Warranty, Battery Replacement, and Value - preserving Replacement. Different from Apple Care+, which has unlimited repair times and no cap on the repair amount, or Xiaomi's MiCare, which has unlimited repair times but a capped repair amount, vivo care+ has a clear limit on the number of services. Take the one - year vivo care+ as an example. vivo only provides: one - time screen breakage repair, one - year extended warranty, one - time free battery replacement, and value - preserving replacement service.
Similarly, vivo care+ does not cover accidental damage services for parts other than the screen and battery.
As for the Accidental Damage Insurance, vivo does provide a complete accidental damage repair service for the phone. However, vivo's Accidental Damage Insurance only offers one repair opportunity, and like MiCare, it has a limit on the repair price. The price limit is only 80% of the phone's listing price, and users need to pay the difference out - of - pocket for the amount exceeding the limit.
Image source: vivo
OPPO: Many service options, but limited scope of protection
If you think vivo's after - sales service is already quite convoluted, unfortunately, compared with OPPO's after - sales service, vivo's after - sales service can only be regarded as a warm - up. According to OPPO's after - sales guarantee website, OPPO offers 10 services: Value - preserving Replacement, Accidental Damage Insurance, Screen - breakage Insurance Plus, Screen - breakage Carefree (this service was taken off the shelves on January 1, 2026), Screen - breakage Insurance, Extended Warranty, Battery Insurance, Peace - of - Mind Insurance, OPPO Care+, and OPPO Care+ (Watch Edition).
Image source: OPPO
Even if we exclude the value - preserving and extended - warranty services, and combine Screen - breakage Insurance Plus (for the N5's screen - breakage insurance), Peace - of - Mind Insurance (for the Reno13's screen - breakage insurance), and OPPO Care+ (Watch Edition) into the corresponding major categories, OPPO still has 5 different after - sales guarantees, which can be said to be quite complex. Even more strangely, although OPPO Care+ is marked with a Watch Edition, the Accidental Damage Insurance without a suffix only covers two watch series of OPPO.
Here we'll focus on the key points: The Accidental Damage Insurance provides an accidental damage repair quota of no more than 1000 yuan for the X2 and X2 Mini watches; Screen - breakage Insurance Plus provides a service for the Find N5 to repair the inner screen once for 168 yuan and the outer screen once for free; The Screen - breakage Carefree provides a one - time paid screen - replacement service for accidental screen breakage (the paid price is divided into two levels of 268 yuan and 168 yuan depending on the model); The Screen - breakage Insurance provides a one - time free screen - replacement service for accidental screen breakage of phones/watches/tablets. For the inner screen of a foldable screen, an additional fee is required (the additional fee is divided into three levels of 168 yuan, 199 yuan, and 299 yuan depending on the model).
Image source: vivo
The Battery Insurance provides a one - time free battery - replacement service for phones with low battery capacity (below 80%) or other battery damage; OPPO Care+ includes the following rights: two - year screen - breakage insurance, battery replacement, and one - year extended warranty (excluding value - preserving replacement). In other words, OPPO does not provide an accidental damage guarantee service covering the whole phone.
Huawei: Limited number of accidental services but no limit on the amount, excels in covering the phone motherboard
In contrast, Huawei's after - sales guarantee is much simpler, with only HUAWEI Care+, Carefree Service, and Huawei Screen - breakage Service Insurance.
But if we look at the details, there are also some differences within HUAWEI Care+: HUAWEI Care+ has two types of guarantee periods, two - year and one - year. The two - year period includes an accidental damage protection service with a limited number of times, an extended warranty service, and a battery replacement service. The one - year period includes a one - time screen protection service.
Image source: Huawei
Meanwhile, the one - year HUAWEI Care+ for models such as the HUAWEI Mate 80 series, Mate 70 series, Pura series, nova 13 series, nova 14 series, nova 15 series, Enjoy 70X, Enjoy 70X Active Edition, and Enjoy 80 also includes an accidental damage protection service and a battery replacement service.
After expanding the service details, things become even more complicated. Here we'll just focus on the key points: HUAWEI Care+ has a limit on the number of repairs but no limit on the repair amount; with accidental damage insurance, the warranty covers parts such as the screen, back shell, camera, and motherboard. A certain service fee needs to be paid for each part during repair; repairing multiple parts at the same time only counts as one right; the remaining battery capacity required for battery repair varies depending on the product.
The Carefree Service includes two accidental damage service insurances in two years and one extended service insurance in one year, but a certain service fee needs to be paid during repair. The Screen - breakage Service Insurance only provides 1 service for accidental screen breakage, and no service fee is required.
Honor: Most models have a limit on the number of times but no limit on the amount, the rules for foldable screens are more complex
Honor offers services such as Screen - breakage Insurance, Extended Warranty, Accidental Damage Insurance, Value - preserving Replacement, Single - ear Loss Insurance, and Carefree Mobile Usage Package. Among them, the Screen - breakage Insurance only provides a one - time repair service for accidental screen breakage, and a service fee needs to be paid: The service fee for the one - year Honor Magic6 RSR Porsche Design is 298 yuan, and the service fee for other models is 98 yuan; the service fee for the two - year period is uniformly 98 yuan. Foldable screen models have additional repair service fees depending on the model.
Image source: Honor
The Accidental Damage Insurance provides a one - time service with a service fee for non - foldable phones: If the problem can be solved by repair, 98 yuan needs to be paid (models launched after July 1, 2025 are exempt from the repair service fee); if a replacement is needed, 598 yuan needs to be paid.
For foldable phones, there is also only one repair opportunity for accidental damage, but there is a limit on the repair amount, and the rules are relatively complex.
For separate repair of the inner screen (including the hinge) or the outer screen, 168 yuan needs to be paid (models launched after July 1, 2025 are exempt from the outer - screen repair service fee); for simultaneous replacement of the inner screen (including the hinge) and the outer screen, a service fee of 336 yuan needs to be paid (models launched after July 1, 2025 only need to pay 168 yuan). In terms of the amount limit, if the total repair amount for other damaged parts does not exceed the price of the whole device, a service fee of 598 yuan needs to be paid; If it exceeds the price of the whole device, 50% of the initial launch price of the relevant model needs to be paid to replace with a new phone.