Today, let's take a good look at the protection of critical illness insurance in the first edition of Ruyi Hulu. Before that, let's compare the critical illness insurance of Ruyi Gourd with other popular critical illness insurance:
What is the difference between the first edition of Ruyi Golden Gourd and the popular critical illness insurance in China?
1. What are the highlights of the first edition of critical illness insurance for Ruyi Golden Gourd?
Before it's too late, let's take a look at the protection content map of the first edition of Ruyi Golden Gourd:
After understanding the complete protection map above, I believe everyone will think that the first edition of critical illness insurance of Ruyi Golden Gourd must have many bright spots, so let's take a look at the predecessors and analyze them one by one:
1, short waiting time.
The waiting period of the first edition of Ruyi Golden Gourd is only 90 days, which is more beneficial to our insured than many critical illness insurance products with a waiting period of 180 days on the market. After all, during the waiting period, the insurance company is not liable for compensation. The shorter the waiting time, the better.
2. Strong critical illness protection.
Ruyi gourd critical illness insurance covers 1 10 kinds of major diseases. These diseases are divided into 6 groups and paid 6 times, with a maximum of 200% of the basic guarantee.
Is it really better to pay more critical illness insurance than to pay only critical illness insurance? Through this article, you will know what the facts are:
Is it cost-effective to pay more for critical illness insurance than to pay it alone? Get out of here! /Really? 》
It is worth mentioning that if the insured is diagnosed with a serious illness for the first time before the age of 60, he can get an extra payment of 80% of the basic insurance amount, which means that he can get a payment of 180% of the basic insurance amount for the first time. This kind of payment is really powerful in the market.
3. Special insurance for specific diseases is very practical.
According to statistics, the most serious disease with the highest claim rate is malignant tumor, so the incidence of malignant tumor can be predicted. Therefore, this guarantee of the first edition of Ruyi Golden Gourd is quite friendly to the insured.
Different from other serious illness insurance products, the first edition of Ruyi Hulu can guarantee the second and third payments for severe malignant tumors, and the proportion of payments will increase from 120% to 150% in turn, and even provide the second and third payments for mild malignant tumors, as long as they are diagnosed in different parts.
Pay 30% of the insured amount every time without interval. If protection is started from a gentle level like this, problems can be found and treated earlier.
4. You can choose additional old-age security.
The responsibility of additional old-age security is the biggest highlight of Ruyi Golden Gourd.
If the insured dies or is totally disabled during the protection period, the insurance company will pay an insurance premium, which is the total premium of the main insurance and additional insurance, or 1.6 times the premium of additional insurance. If the insured is still alive after the guarantee period, the insurance company will also pay all the premiums of the main insurance and additional insurance.
In addition to these, it should be noted that during the guarantee period, if there is a serious illness claim, double insurance will be terminated.
2. What are the shortcomings of the first edition of critical illness insurance for Ruyi Golden Gourd?
Read all the highlights of the first edition of critical illness insurance of Ruyi Golden Gourd. Of course, this Xintai Life Insurance also has some obvious defects. Next, let's talk about the disadvantages:
Main insurance and critical illness insurance only cover life.
The main insurance of this product is critical illness insurance. There are no other fixed-term options, only life insurance, and the insured cannot choose the appropriate protection period according to the protection demand.
To sum up, the critical illness insurance protection of the first edition of Ruyi Golden Gourd can be said to be quite comprehensive. Although there are still some shortcomings, we can still accept such a small flaw. If you think it is suitable for this insurance, you can start with confidence and boldness. If you want to know more about this product, take a look at this article:
You must know these major guarantees of the first edition of Ruyi Golden Gourd! 》
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