Let's analyze it in detail and have a look.
And if you want to know the difference between Xintai Ruyi Hulu's initial critical illness insurance and other critical illness insurance products, you can read this article:
Xintai Ruyi Golden Gourd First Edition Critical Illness Insurance and National Popular 136 Critical Illness Insurance Comparison Table.
1. What are the advantages and disadvantages of initial critical illness insurance for Xintai Ruyi Gourd?
If you want to know, please continue reading:
Xintai ruyi gourd first edition critical illness insurance
Next, the senior sister will analyze the advantages and disadvantages of Xintai Ruyi Gourd's initial critical illness insurance:
1, advantages
① The proportion of extra compensation for serious illness is high.
The proportion of extra compensation for serious illness is as high as 80% of the basic insured amount, which is the outstanding advantage of Xintai Ruyi Golden Gourd's first serious illness insurance. In other words, you can get the basic insurance coverage of 180% if you are diagnosed with a serious illness for the first time before the age of 60.
For example, Xiao Li bought a 500,000-insured version of Xintai Ruyi critical illness insurance. At the age of 45, when he was diagnosed with a serious illness for the first time, he could get 900 thousand compensation.
Compared with the same type of products on the market, Xintai Ruyi Golden Gourd's initial critical illness insurance has a really high proportion of extra compensation.
② Effectively expand the insurance benefits of specific diseases.
At present, malignant tumor, cardiovascular and cerebrovascular diseases and stroke are called the "three killers" of health, so malignant tumor is also a serious disease with a very high incidence rate, and the treatment cost of malignant tumor is certainly not very low.
In this case, consumers can choose to buy the critical illness insurance of Xintai Ruyi Gourd, plus a specific disease expansion fund, which is very practical for patients with malignant tumors.
30% can be paid for the second and third time of mild malignant tumor, without interval. As long as they are diagnosed in different parts, they can all qualify for claims. The proportion of secondary and tertiary compensation for severe malignant tumor is 65438 0.20% and 65438 0.50% respectively. Whether it is new, recurrent, metastatic, spreading or persistent, it takes three years to get compensation.
When this kind of security responsibility comes to patients with malignant tumors, it can alleviate the pressure brought by a large part of economic situation to families and really play a practical role.
③ Two excellent risks can be added.
Compared with other critical illness insurance products, Xintai Ruyi Hulu's initial critical illness insurance has two full risks that can be added.
It means that if the insured dies or is totally disabled during the protection period, all the premiums paid by the main insurance plus additional endowment assurance will be regarded as compensation, or 0.6 times of the premiums paid by 65438+ endowment assurance; If the insured does not die after the expiration of the insurance period, he can still get the full premium of the main insurance plus additional insurance.
However, many critical illness insurance products on the market have no other protection except death liability protection, that is to say, only death within the protection period is the condition for obtaining compensation.
I have to say that this guarantee of Xintai Ruyi Gourd's first critical illness insurance is really excellent.
2. Deficiencies
The biggest disadvantage of Xintai Ruyi Golden Gourd's first critical illness insurance is that the main insurance coverage period is fixed.
There are not a few critical illness insurance in the market that can choose the right protection period according to their own economic conditions. For example, for example, guarantee for 20 years, 30 years, 70 years or life, and so on. The life-long guarantee of critical illness insurance of Xintai Ruyi Hulu is more suitable for people with sufficient budget.
If you still want to know if there are more defects in the critical illness insurance of the first edition of Tairuyi Golden Gourd, you can look at the evaluation article of the expert edition:
Do you know these "pits" in the first edition of Ruyi Golden Gourd? 》
2. Is Xintai Ruyi Golden Gourd Critical Illness Insurance worth recommending?
Seeing this, I believe that everyone has a certain understanding of the protection content of Xintai Ruyi Golden Gourd Critical Illness Insurance, so is this product worth recommending?
Senior sister thinks that the first edition of Xintai Ruyi Golden Gourd's critical illness insurance is still very advantageous. Although there is only one option for the main insurance coverage period of this product, other coverage is better. Moreover, a 30-year-old man, who bought the first edition of Xintai Ruyi Golden Gourd with an insured amount of 300,000, only chose the basic guarantee responsibility and paid it in 20 years. Now it only costs 5709 yuan, which is more cost-effective.
However, if a friend thinks that Xintai Ruyi Hulu's first critical illness insurance is not suitable for him, he can also look at the following list and maybe find a product that suits him:
"About the new definition of critical illness insurance pk, ten products worth buying are freshly released! 》
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