Next, Senior Sister will give you a good look at the critical illness insurance clauses in the first edition of Ruyi Hulu. Before that, let's take a look at the comparison between Ruyi Golden Gourd's first edition critical illness insurance and other popular critical illness insurance:
Which is better, the first edition of Ruyi Golden Gourd or the domestic popular critical illness insurance?
1. What are the highlights of the first edition of critical illness insurance for Ruyi Golden Gourd?
As usual, directly protect the content map of the first edition of Ruyi Golden Gourd:
After reading the above protection content map, I believe that friends may think that the critical illness insurance of the first edition of Ruyi Golden Gourd has many bright spots. Let's take a look at the predecessors and analyze them one by one:
1, short waiting period.
The waiting period for the first edition of Ruyi Golden Gourd is 90 days. Compared with other critical illness insurance products on the market, the waiting period is 180 days, which takes into account our consumer groups. After all, the insurance company is not liable for any accident during the waiting period. Of course, the shorter the choice, the better.
2. The compensation for serious illness is strong.
Ruyi gourd critical illness insurance covers 1 10 kinds of major diseases, which are divided into 6 groups and the compensation ratio is as high as 200%.
Is it true that paying more critical illness insurance is more prominent than paying only critical illness insurance? Just look at this article and you will know:
Is it better to pay for critical illness insurance multiple times or once? The answer is here! 》
In addition, if the insured is diagnosed with a serious illness for the first time before the age of 60, he can pay an additional 80% of the insurance coverage, which means that he can get 180% of the insurance coverage when he is diagnosed with a serious illness for the first time. This kind of compensation is already quite high in the market.
3. Excellent insurance coverage for specific diseases.
According to statistics, the claim rate of malignant tumor is the highest among major diseases, which shows that the incidence of malignant tumor is really not generally high. Therefore, this guarantee of the first edition of Ruyi Hulu is quite friendly to the insured.
Different from other critical illness insurance products, the first edition of Ruyi Golden Gourd can guarantee the second and third payment for severe malignant tumors, and the proportion of payment is gradually increased from 120% to 150%. In addition, it also provides the second and third compensation for mild malignant tumors, as long as they are diagnosed in different parts.
The proportion of compensation is 30% of the insured amount, with no interval. Assuming that protection starts at a mild level like this, problems can be found and treated earlier.
4. Endowment insurance can be attached.
The most prominent highlight of Ruyi Golden Gourd is that you can freely choose to attach two full risks.
Assuming that the insured dies or is completely disabled during the protection period, he can get all the premiums paid for the main insurance and the additional insurance, that is, 0.6 times the premiums paid for the 65438+ two insurances. If the insured still survives after the guarantee period, he will also get all the premiums of the main insurance and additional insurance.
It should also be noted that endowment assurance's contract will be terminated if claims for serious illness occur during the guarantee period in endowment assurance. And the responsibility of endowment insurance is not very practical for some people.
2. What are the defects of the first edition of critical illness insurance for Ruyi Golden Gourd?
Even if we analyze the advantages of critical illness insurance in the first edition of Ruyi Golden Gourd, this product of Xintai Life Insurance is flawed. Let's talk about its defects first:
Main insurance and critical illness insurance only cover life.
The main insurance of the first edition of Ruyi Golden Gourd is critical illness insurance, which can only be guaranteed for life. There are no other regular options, and the insured cannot choose the appropriate protection period according to the protection needs.
To sum up, the critical illness insurance protection of the first edition of Ruyi Golden Gourd is still relatively comprehensive. Although there are some minor flaws, we can still accept such minor flaws. This insurance can be started boldly, don't miss it. If you want to know more about this product, take a look at this article:
The first edition of Ruyi Golden Gourd has so many advantages! Planting grass ... "
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