Because there are many professional words involved in the following, you may wish to know some basic insurance knowledge first, so that it is easier to understand the following contents:
Before buying insurance, you must first understand these key knowledge points! 》
1. How about Hongkang Ruyi and US Critical Illness Insurance 2022?
As usual, go to the product guarantee content map first, and you can see the product form more intuitively:
After having a basic understanding of the content map of the guarantee, let's analyze the good performance of Hongkang Ruyi and Meizhong Disease Insurance 2022 ~
(1) Specific insurance premium for basic cancer screening.
In the protection content of Hongkang Ruyi and US Critical Illness Insurance 2022, the special protection of specific premiums for basic cancer screening is covered. If the insured completes the examination of basic cancer screening items and uploads the physical examination report as required, Hongkang Life Insurance can easily enjoy the specific insurance responsibility of basic cancer screening after confirming the health status of the insured and determining that the insured does not suffer from major diseases, moderate diseases or mild diseases agreed in this contract.
The specific compensation for this responsibility is divided by gender. If the insured is male/female and suffers from the basic male-specific disease/basic female-specific disease agreed in this contract for the first time due to accidental injury or after the waiting period, and the insured is under 60 years old (excluding 60 years old) at the time of diagnosis, Hongkang Life Insurance will pay the basic cancer screening specific insurance premium in full according to the basic insurance amount agreed in this contract.
(2) There are many kinds of mild diseases.
Hongkang Ruyi and Meizhong critical illness insurance 2022 have the responsibility to protect about 45 diseases, which is much more than many popular critical illness insurance products on the market.
We should not only pay attention to the protection of serious diseases, but also pay attention to the protection of minor diseases. Mild diseases refer to diseases that are not as serious as specific diseases. It has the advantages of simple treatment, low cost, rich protection for minor diseases and wide coverage, which can reduce the economic pressure of patients' families and enable patients to seek medical treatment in time.
Therefore, in a critical illness insurance, the degree of importance is not worse than that of specific illness insurance. However, Hongkang Ruyi and American critical illness insurance 2022 guarantee 45 kinds of mild diseases and can get 4 payments, which is much more than most critical illness insurance. Very considerate to everyone!
(3) Long waiting time
The waiting period of Hongkang Ruyi and American critical illness insurance 2022 is 180 days, which is twice as long as other critical illness insurance on the market with a waiting period of 90 days. The waiting period is also equivalent to the observation period, in order to avoid some people knowing that there will be an insurance accident and immediately taking out insurance to get insurance compensation.
During the waiting period of critical illness insurance, the insurance company will not be responsible for any accidents caused by illness. For consumers, the shorter the waiting period, the better, and we can get protection as soon as possible. The waiting period of Hongkang Ruyi and US Critical Illness Insurance 2022 is obviously not very friendly!
So is there a pit in this product? Is it worth buying? Senior sister reveals Hongkang Ruyi and US critical illness insurance 2022 for you, so that you can buy appropriate insurance without stepping on the pit:
Want to buy Hongkang Ruyi and US Critical Illness Insurance 2022? I advise you to read this article first! 》
Second, is the value of Hongkang Ruyi and US Critical Illness Insurance 2022 not worth configuring?
Let's talk about whether Hongkang Ruyi and US Critical Illness Insurance 2022 are worthy of configuration. Senior sister thinks it's not worth it! Although Hongkang Ruyi and US Critical Illness Insurance 2022 have many bright spots, because it has many shortcomings, the overall cost performance of this product is relatively low. This shortcoming is that it does not include additional responsibilities for critical illness.
The extra payment of critical illness insurance is definitely a major innovation in the payment of critical illness insurance products in recent years. Its main forms are: the insured suffers from critical illness insurance within the agreed time limit and can provide consumers with a certain percentage of extra compensation. Its advantage is that it can provide more adequate protection in the early or late life, and it can cover our own needs for protection at different stages.
However, Hongkang Ruyi and American critical illness insurance 2022 did not cover this responsibility, and the critical illness compensation is still at a relatively general level, which is equivalent to 100% of the basic insurance coverage, which is really not so good. Many high-quality critical illness insurance sets this responsibility, and consumers are more inclined to insure such products.
Generally speaking, Hongkang Ruyi and Meizhong Disease Insurance 2022 are somewhat low in cost performance and lack of protection. Compared with other products with greater protection and higher compensation ratio on the market, there are obviously many places that are not good enough and are not worth buying. Senior sister thinks it is necessary to compare several companies to buy critical illness insurance and see the comparison of products selling critical illness insurance on the market at present, so as to choose the most suitable critical illness insurance.
If you don't know how to choose the critical illness insurance products that suit you, and you don't know about Internet products, you may wish to take a look at this popular science article first:
How can I buy reliable insurance online? Look at these two points is enough! 》
Write it at the end
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