There are also many small partners asking, is the price/performance ratio of Xintai Ruyi Protection Welfare 202 1 really that high? Is it really worth buying?
Next, let's take a look at the protection covered by this product with our senior sister.
First of all, we can read an article first, and don't step on thunder:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."
First, the comprehensive analysis of the guarantee content of Xintai Ruyi Guarantee Benefit 202 1!
As usual, senior sister first presents the essence of Xintai Ruyi Security Welfare 202 1:
The evaluation results are as follows:
1, critical illness support analysis
Xintai Ruyi Insurance benefits from 202 1 underwriting 1 10 kinds of serious diseases. If the age of serious illness is under 60, the maximum guarantee is 180%.
If compared with those critical illness insurance products on the market that don't separately design critical illness insurance to pay extra, Xintai Ruyi Insurance benefits 202 1 is still very good!
Senior, I want to say one more thing. At present, high-quality critical illness insurance, the extra compensation for critical illness is as high as 100%, such as a Mu Tong 1.
If the insured amount is 500,000 yuan, Xintai Ruyi Insurance will benefit from 202 1 and realize the maximum compensation of 900,000 yuan, but Astro Boy 1 will pay the maximum insurance premium of 6,543.8+0,000 yuan.
In contrast, the defects of Xintai Ruyi Guarantee Benefit 202 1 are exposed completely!
2. Analysis of minor illness protection
Xintai Ruyi Insurance Fund 202 1 There are 55 diseases within the scope of minor illness protection. If you have treated a minor illness before the age of 60, you can still get the basic guarantee of 10%.
What we can tell you is that there is a critical illness insurance called Ford Plus on the market, and the proportion of minor illness compensation is 75%.
Trustworthy Tairuyi guarantee benefits 202 1 and can only compensate the insured 40% at most, which is 35% different from the basic guarantee.
If you insure 300,000 yuan, the difference is 105000 yuan. In the eyes of ordinary families, this money must be a big expense!
3. The insurance age range is small.
Insuring Xintai Ruyi Insurance Fund 202 1 needs to meet the insurance age of 28 days to 60 years old. Many friends should be satisfied with this insurance age setting!
However, other good critical illness insurance coverage ages have reached 65.
In other words, the elderly aged 60-65 have no fate with Xintai Ruyi Security Welfare 202 1!
However, there are many critical illness insurance products with low insurance threshold on the market at present. No, this is a list of critical illness insurance for everyone:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
At this point, Xuejie believes that many small partners have decided to start! Don't be too flustered. Don't you want to know what's wrong with Xintai Ruyi Security Welfare 202 1?
2. Can Xintai Ruyi Security Welfare 202 1 be bought? After reading it, decide!
Want to know whether a critical illness insurance is worth buying?
We will definitely take the protection content of critical illness insurance as the starting point, so can Xintai Ruyi Protection Benefit 202 1 start?
Knowing the above basic insurance coverage, let's take a look at other coverage contents of Xintai Ruyi Protection Welfare 202 1.
Other protection contents of Xintai Ruyi Insurance Benefit 202 1 include serious malignant tumor insurance premium and the exemption of the insured, and the other three items (death/total disability insurance premium and malignant tumor/specific cardiovascular and cerebrovascular disease expansion insurance premium) are optional liabilities.
Let's analyze the relevant contents of nursing insurance for severe malignant tumors with you!
According to the data of National Cancer Center, there were 4.57 million new cancer cases in China in 2020, accounting for 23.7% of the global new cancer cases.
According to the "five-year survival rate" used by the medical community to count the survival rate of cancer patients, if they do not recur within five years after treatment, the probability of recurrence is very small.
Take breast cancer as an example. Many clinical experiences tell us that the recurrence rate of tumor patients reaches 60% within 1 year after operation, and at least 80% patients die of recurrence and metastasis within 5 years.
Xintai Ruyi Nursing Benefit 202 1 Although there is serious malignant tumor nursing insurance premium, is it a bit stingy to pay only 15% of the basic insurance premium every time?
At present, it is very expensive to treat diseases, especially serious diseases, which cost 300 thousand anyway, and it will cost a lot of nutrition and rehabilitation afterwards.
It can be seen that Xintai Ruyi Security Benefit 202 1 should first increase the payment for malignant tumors!
Intimate seniors have also prepared super-comprehensive insurance knowledge for everyone, which can be obtained by clicking the following link:
"Super complete! Everything you want to know about insurance is here.
Third, the summary of the senior sister
To sum up, the basic protection content of Xintai Ruyi Insurance Benefit 202 1 can be said to cover all aspects, but if its protection strength is compared with the best critical illness insurance product on the market, Xintai Ruyi Insurance Benefit 202 1 is more common.
The senior's advice is not to start in a hurry. Compared with the best critical illness insurance products on the market, it is not too late to start again!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!