There are also many friends asking, is the price/performance ratio of Xintai Ruyi Guardian Shield (Yuan Qi) really that high? Is it really worth buying?
That senior will take you to evaluate this product today.
Before we begin, what conditions should a strong critical illness insurance meet? Please see below:
"Good critical illness insurance long like this! You have been cheated for so many years ... "
First analyze the pros and cons of the content protected by Xintai Ruyi Guardian Shield (from the source)!
Let's not talk nonsense. Senior sister first presents you with the protection essence of Xintai Ruyi Guardian Shield (source):
It is said that the coverage of Xintai Ruyi Guard Shield (Yuan Qi) is quite good, and it also provides the protection of malignant tumor expansion insurance and special insurance liability for specific diseases, which can provide relatively rich protection for the insured to a certain extent.
In this case, is the critical illness insurance of Xintai Ruyi Guardian Shield (Yuan Qi) worth buying? Then let's analyze this insurance now!
& gt& gt Advantage: Critical illness support analysis
Then, among the 1 100 kinds of serious diseases currently guaranteed by Xintai Ruyi Guardian Shield (Yuan Qi), the most noteworthy thing now is that there are four other specific major diseases, including malignant tumors and severe myocardial infarction.
Moreover, if you are insured with Xintai Ruyi Guardian Shield (source), if you suffer from a specific serious illness for the first time, the insurance company can give us 150% basic protection.
If you buy a product with an insured amount of 500,000 yuan, you can get a maximum compensation of 750,000 yuan.
However, if the first illness is not a specific serious illness, then the final amount paid is 100% of the basic insurance coverage.
Compared with the same type of critical illness insurance in the market, you can pay 80% of the basic protection for the first serious illness. Xintai Ruyi Guardian Shield (source) really has nothing to recommend!
Even better, the critical illness protection of Xintai Ruyi Guard Shield (Yuan Qi) covers specific major diseases, otherwise there is no bright spot!
& gt& gt disadvantages
1, with a narrow age range
Xintai Ruyi Guardian Shield (source) can be insured from 28 days to 60 years old after birth, which means that the elderly over 60 years old insured by Xintai Ruyi Guardian Shield cannot be satisfied!
High-quality critical illness insurance on the market, now the insured is as old as 65 years old.
The health status of people over 60 years old is definitely not as good as that of young people, and there will be some minor problems in their bodies more or less.
Critical illness insurance is difficult to get started, and Xintai Ruyi Guardian Shield (Yuan Qi) also refuses people aged 60-65, which is rude!
Intimate seniors have compiled a comparison table of popular critical illness insurance that is more suitable for the elderly. There is always a critical illness insurance that your old people need:
National popular 129 elderly critical illness insurance comparison table
2. Minor illness is an optional responsibility.
Xintai Ruyi Guardian Shield (source) has unacceptable protection content, which makes the optional liability include minor illness.
There are few serious illness insurances in the market that do not bring their own mild and moderate diseases. What are the benefits of Xintai Ruyi Guardian Shield (Yuan Qi) as an optional responsibility? Can be selected according to the wishes of the insured.
This is simply an unreasonable thing.
You know, a minor illness is compared with a serious illness, which is not our common cold and fever.
In other words, if the illness is mild or the serious illness has just begun, it will cost thousands to tens of thousands of treatment fees.
Moderate diseases refer to diseases whose severity and compensation ratio are less than those of major diseases.
Therefore, the critical illness insurance on the market now is basically mild/moderate diseases, and the responsibility of Xintai Ruyi Guardian Shield (source) does not include mild/moderate diseases. It's really speechless!
Senior sister came, and I believe most of my friends didn't notice the shortcomings mentioned above. Within an acceptable range, what Senior Sister shared with you next was the worst place it had done and the most deadly place. After reading it, I promise you will turn around and leave!
Second, the hidden trick (source) of Xintai Ruyi Guardian Shield is really speechless!
Speaking of Xintai Ruyi Guardian Shield (source), the worst thing is to implement invisible grouping for minor illnesses!
As shown in the figure below:
As my senior explained to you above, the minor illness protection of Xintai Ruyi Shield (Yuan Qi) is an additional responsibility. Even if the compensation ratio is reasonable, the contract also includes minor illness additional insurance money.
As an additional responsibility, minor illness protection will quietly distinguish the diseases it guarantees!
The invisible grouping of mild symptoms means that the product does not indicate the classification of mild symptoms, but the mild symptoms will be grouped according to the compensation conditions in the product terms.
Results The final result was almost the same as that of the mild group, so it was also called the mild stealth group.
{I believe in Thailand Ruyi Guardian Shield's critical illness insurance 202 1- 15} Xintai Ruyi Guardian Shield's minor illness (from the source) can be quietly divided into more than one or two groups, too many!
Third, the summary of the senior sister
In short, Xintai Ruyi Guardian Shield (from the source) is included in the product itself, and other safety responsibilities must be attached.
However, according to the additional insurance, the responsibility of the insured to spend money on it is still the same, and the overall cost performance is not high!
Therefore, friends who want to choose Xintai Ruyi Guardian Shield (Yuan Qi) for critical illness insurance must think carefully ~
Before you apply for critical illness insurance, you may wish to take a look at these excellent critical illness insurance products collected by your senior sister:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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