There are also many small partners asking, is the cost performance of Ruihua Yiyue Worry-Free 2.0 Lifelong Care Insurance really that high? Is it really worth buying?
Senior sister also heard that this product guarantee is really excellent. Let's see if this product is worth choosing today!
For those who are in a hurry, you can also click this article to view the evaluation results:
"In-depth evaluation! Is Ruihua Health Yue Worry-Free 2.0 Lifelong Care Insurance Worth Insuring for the Elderly? 》
1. What are the protection highlights of Yue Yue Worry-Free 2.0 Lifelong Care Insurance?
Other nonsense is omitted. Let's take a look at the protection essence of this product:
As shown in the figure, the protection content of this product is clear at a glance, including nursing insurance and illness death insurance. In addition, it also includes rights and interests such as insurance deduction, policy loan and automatic premium payment. Then let's analyze the protection highlights of this product!
1, insurance rules
Joy Worry-Free 2.0 Lifelong Care Insurance now allows people born between 28 days and 65 years old to take out insurance, which can be described as lifelong care insurance. The payment method is flexible, not only supporting wholesale payment, but also supporting 3-year, 5-year, 10-year and 20-year payment, which is suitable for people with different needs. If the economic budget of the small partner is relatively limited, then you may wish to extend the payment period, such as choosing to pay for 20 years. In the case of no difference in insurance coverage, the annual fee is not so expensive, which can release the pressure.
The waiting period is actually the observation period and exemption period of the insurance company. If the insured is in danger during the waiting period due to non-accidents, the insurance company refuses to pay compensation. The waiting period of EasyWorry-Free 2.0 Lifelong Care Insurance is no different from most similar products on the market, which adds up to 180 days.
So if you escape during the waiting period, is there really nothing to lose? Not necessarily, just look at this article:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
The exemption clause is actually the content or situation that the insurance company does not cover. For example, the insured's injury to the insured, the insured's drunk driving, and another is suicide. Worry-free 2.0 Lifelong Care Insurance has quite a lot of exemption clauses, including 9 clauses, which can be considered as a relatively normal level.
2. Guarantee content
Yiyue Worry-Free 2.0 Lifelong Care Insurance covers nursing insurance and death insurance. If the insured loses the ability of daily living due to accidental injury or accidental injury after the waiting period, it will last until the end of the observation period (if the insured is under 6 years old at the end of the observation period, it will last until the insured reaches 6 years old). The insurance company will pay the nursing insurance premium according to the corresponding proportion.
If the insured dies of illness after the waiting period, the insurance company will also pay compensation according to the accumulated premium or cash value, whichever is the greater.
This means that Yi Yue Worry-Free 2.0 Lifelong Care Insurance can protect the insured once the insured loses the ability of daily living or dies due to an unfortunate illness. It is worth noting that you can only enjoy one kind of sickness death compensation and nursing insurance.
Second, what are the benefits of Yi Yue Worry-Free 2.0 Lifelong Care Insurance?
As can be seen from the protection map, Yiyue Worry-Free 2.0 Lifelong Care Insurance has an annual effective coverage. Starting from the second policy year, the effective insurance amount of the product in each policy year is based on the basic insurance amount specified in the policy, and it is slowly increasing at the rate of 3.5%. This means that the annual effective coverage of this product will continue to increase.
Let's take a 0-year-old baby boy as an example, and pay 30,000 yuan a year, with the basic insurance amount of 129 150 yuan. Let's show you how this product benefits!
If you pay 30,000 yuan a year, you will have paid the premium in the fifth policy year, and the accumulated premium has reached 654.38+0.5 million yuan. At the end of the year, the nursing insurance premium, sickness insurance premium and cash value reached 154630 yuan respectively.
Once the insured has never been out of danger before, according to the contract, when he is 70 years old at the end of the year, the cash value at the end of the year is 153 1966 yuan, which is more than 10 times of the premium paid. Suppose you are in danger at this time, you will have the opportunity to have 153 1966 yuan of nursing insurance or illness death insurance.
The above is only a demonstration of the benefits, and the specific benefits need to be determined according to the actual situation of the insured.
On the whole, Yiyue Worry-Free 2.0 Lifelong Care Insurance has a relatively high cost performance and comprehensive protection. In addition, it not only has flexible payment methods, but also supports reducing the insurance amount. In addition, it can also provide the insured with the necessary protection content, and it is a fully guaranteed product. The effective coverage of this product will continue to rise. The longer the insured lives, the higher his value will basically be, and the more compensation he can get in the end, which is worth buying.
Of course, in addition to nursing insurance, such as critical illness insurance, medical insurance, life insurance, accident insurance, etc., friends also need to be configured according to the economic situation and the needs of family members. If you don't know much about these four kinds of insurance, don't miss this article:
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims? 》
Write it at the end
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