Friends who want to know about AIA can click on the following article to have a look:
How about AIA? Is its product worth buying? 》
First, AIA enjoys the protection of the glory version of critical illness insurance!
If nothing else, I will present you with a product map of critical illness insurance, the glorious version of AIA Ruyi:
1, analysis of insurance conditions
First of all, it is easy to see from the product diagram above that AIA Ruyi enjoys the glory version of critical illness insurance, which is allowed for people aged 30 to 55.
It can be said that this product is mainly aimed at adults, covering the age group of 30-55 years old, and the underage group does not meet the insurance age conditions.
But friends should know that the maximum age of many critical illness insurance products on the market is basically 60 years old, and this product is set at 55 years old, which is not very good.
In addition, the payment period of this product only provides one choice, which is set as 19 years.
For the broad masses of the people, they may not be able to choose freely and flexibly according to their actual situation and needs.
What other aspects should I pay attention to before buying insurance? You might as well read the following article:
Before buying insurance, you must first understand these key knowledge points! 》
2. Provide policy benefits and value-added services.
Let's first take a look at the policy rights of this AIA Ruyi Youyou Glory version of critical illness insurance.
We can get some information through the product drawing. The policy benefits of this product are very comprehensive, mainly including borrowing, automatic premium advance and settlement reduction.
At the same time, this product also covers value-added services-health management services.
Let me introduce this kind of health management service to you.
Health management services are actually services provided by insurance companies to the insured, including health information, health promotion and medical services.
When the insured needs medical treatment, the cooperative institutions of insurance companies can not only provide outpatient medical assistance services for the insured in Chinese mainland, but also provide inpatient medical assistance services.
It still sounds great. After all, seeing a doctor is also a troublesome thing. If it helps, the insured will not have to work so hard.
Seeing this, friends who enjoy the glory version of critical illness insurance for AIA Ruyi should have a certain understanding.
But don't worry, senior. I have to tell you a few words below. You need to pay attention to these points when you start this product. ...
Second, AIA ruyi enjoys the glory version of critical illness insurance, which needs attention!
1, waiting period 180 days
You should be able to find that the waiting period for AIA to enjoy the glory version of critical illness insurance has reached 180 days.
Little friends should all know what a waiting period is.
When the waiting period is not full and the insured is in danger due to unexpected factors, then the insurance company may not have to pay compensation to the insured.
Therefore, considering the general situation, the shorter the waiting time, the greater the benefits to consumers.
Compared with many similar products with a waiting period of 90 days on the market, this product is not very good and is not considerate for consumers.
2. Lack of protection for diseases in China.
AIA ruyi enjoys the glory version of critical illness insurance, which mainly includes critical illness insurance, minor illness insurance and death/total disability insurance.
As can be seen from the product drawings, the protection of this product does not include the protection of traditional Chinese medicine.
The protection of chronic diseases is very important for consumers, which can be called the middle stage of major diseases. Although the severity is not as serious as a major disease, it will be very troublesome for us if we really get it.
Moreover, most critical illness insurance products on the market can usually protect China's disease, so the protection of this product is perfect for consumers.
Need to remind friends that critical illness insurance, death/total disability insurance only allows the insured to apply for payment once, at most once, and then pay the first time.
To sum up, AIA's performance in all aspects of the glory version of critical illness insurance is very general, with a waiting period of 180 days and no China disease protection. There is still no way to ignore the shortcomings.
Friends who want to buy, or look at other insurance products on the market, must choose according to their own needs!
At the end of the article, for the small partners who want critical illness insurance needs, the following list should not be missed:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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.
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