Is it necessary to buy so many times for serious illness? How about the new version of Ruyi's guardian hero who has paid for critical illness insurance many times recently? Today, we will discuss the following parts:
■ Is it necessary to purchase multiple critical illness insurance?
■ What are the guarantees for Ruyi Life Guardian Hero Edition?
■ Analyze the advantages and disadvantages of Ruyi Life Guardian Hero Edition in detail.
■ Compared with similar products, is Ruyi Life Guardian Hero Edition cost effective?
1. Is it necessary to buy multiple critical illness insurance?
It is necessary for us to understand it from two angles:
First, with the continuous development of medical technology, the cure rate of serious illness has increased, and the probability of suffering from serious illness again in the rest of my life has also increased.
In the face of the development of medical science and technology, many serious diseases that could not be cured before can now achieve good therapeutic effects through effective clinical means. Just like cancer, today's proton heavy ion therapy is aimed at local cancer, and the cure rate can reach more than 80%. A serious illness can be cured, but the damage to the body cannot be recovered. After suffering from a serious illness, the physical function declines, and the chance of suffering from a serious illness again will increase.
Second, after a single payment of critical illness insurance, the guarantee is terminated.
After a single payment for critical illness insurance, the protection will be terminated. Once you have a serious illness, you can't buy critical illness insurance. Consumers must face the dilemma that there is no serious illness protection on the basis of poor physical function.
Therefore, it is very necessary to pay the critical illness insurance for many times. In addition, it should be pointed out that the development of multiple critical illness insurance and critical illness insurance is becoming more and more perfect, and the rates are gradually reasonable. The overpayment rate of critical illness insurance is even lower than that of single payment, just like the wishful life guardian hero edition. If the premium is too high, which leads to many conflicts in the payment of serious illness, then don't worry.
2. What are the guarantees for the Guardian Hero Edition of Ruyi Life?
Ruyi Life Guardian Hero Edition is a critical illness insurance that has been paid many times. The guarantee is comprehensive and the compensation is great. It mainly provides the following protection:
major disease security
Ruyi Life Guardian Hero Edition provides 1 10 kinds of serious illness protection, which is divided into 6 groups, and the compensation is increased for 6 times, each time by 20%, and the compensation is 100%, 120%, 140% and1in turn.
Mild/moderate disease protection
Mild/moderate diseases are the early stages of major diseases, and it is easy to develop and deteriorate into major diseases if effective treatment is not taken. Mild/moderate illness insurance reduces the standard of claims for serious illness, so that patients can get claims as soon as possible and get timely treatment to avoid the deterioration of their condition.
Ruyi life guardian hero edition guarantees 50 kinds of mild diseases, and pays 4 times without grouping, with 45% guarantee each time. Moreover, the cancer in situ can be compensated three times, and the second/third cancer in situ does not account for the number of mild cases. 25 kinds of diseases in China were guaranteed, and the group was exempted from compensation twice, with 60% guarantee each time.
Death protection
/kloc-died before the age of 0/8 and paid the premium; /kloc-if he dies after 0/8 years of age, the basic insurance amount will be paid.
Exemption guarantee
Ruyi life guardian hero edition comes with the insured's light/medium/heavy illness exemption. If the insured suffers from a mild/moderate/severe disease as agreed in the contract, the follow-up premium will not be paid while paying the minor insurance premium, which is very humanized.
Optional guarantee
Ruyi Life Guardian Hero Edition is rich in optional responsibilities, and you can choose the second malignant tumor insurance premium, paying 120% of the basic insurance amount; Optional special care death insurance, calculated according to the first serious illness after the death of the insured. Interval time, compensation in proportion, up to 100% of the insured amount; Optional occupational HIV infection protection, paying 150% of the basic insurance amount.
In addition, ruyi life guardian hero edition can also be attached with policyholder exemption and old-age security, which can meet more needs.
The following are the key points. What are the advantages and disadvantages of Ruyi Life Guardian Hero Edition? Is it worth buying? Let's analyze it in detail!
3. Detailed explanation of the advantages and disadvantages of Ruyi Life Guardian Hero Edition
After reading the product details of ruyi life guardian hero edition, I believe everyone's first feeling is: rich protection responsibility! Is every guarantee good enough? Let's analyze it item by item:
(1) Seriously ill patients are grouped scientifically, with an increase of 20% each time, and the total insured amount is 900%.
First, the grouping is reasonable
Since it is a critical illness insurance paid by many groups, it is very important to measure whether the group is reasonable. According to claims and medical data, cancer, acute myocardial infarction, coronary artery bypass grafting, stroke sequelae, transplantation of major organs or hematopoietic stem cells and end-stage renal disease are the most common diseases, accounting for more than 80% of all serious diseases. ?
Ruyi Life Guardian (Hero Edition) divides malignant tumors into one group, and the other five serious diseases are scattered in different groups as far as possible to avoid mutual influence and improve the actual probability of multiple compensation.
Second, 20% incremental payment each time, with a high proportion of single payment.
Ruyi Life Guard (Hero Edition) will pay for the serious illness gradually, which can be solved perfectly whether it is the skyrocketing medical expenses or the future income compensation. ?
Compared with similar products that have been paid for many times, Ruyi Life Guard (Hero Edition) has a higher increase ratio every time:?
Although it is unlikely to suffer from six kinds of serious diseases in life, it is very common that people can survive one or two kinds of serious diseases under the advanced medical technology today.
Ruyi Life Guardian (Hero Edition) will gradually pay for serious illness, and the second and third serious illness can pay 120% and 140% of the insured amount, which is quite high and can effectively cope with extreme risks.
② The proportion of compensation for mild/moderate diseases is high, and all diseases are guaranteed. Cancer in situ can be paid twice as much, which is not a minor disease.
The so-called moderate and mild diseases are relatively serious and can be considered as the early development stage of major diseases. Mild/moderate illness insurance can lower the threshold of claims, so that patients can get some compensation in the early stage of illness and get treatment earlier. Therefore, the higher the compensation ratio for mild/moderate diseases, the better.
Ruyi Life Guardian (Hero Edition) has a high proportion of compensation for mild illness/moderate illness, with 45% for mild illness and 60% for moderate illness, which is about 10% higher than similar products, and it is quite lonely. ?
Combining the data of minor claims and medical data, we sorted out 1 1 kinds of high-incidence minor/moderate diseases, which were fully covered by Ruyi Life Guard (Hero Edition) to ensure foolproof. ?
It is also worth mentioning that the cancer in-situ protection of Ruyi Life Guard (Hero Edition) can be paid twice extra, with a cumulative maximum of three times. The second and third cancers in situ do not account for the number of minor cases. With the improvement of early screening methods for cancer, it is more likely to curb the development of the disease in the early stage of cancer, and it is undoubtedly necessary to pay multiple compensation for cancer in situ.
In addition, Ruyi Life Guard (Hero Edition) comes with mild/moderate disease exemption. If the patient has a mild/moderate disease, not only can he get a claim, but the rest of the premium will be paid again, and the insurance contract will remain valid, which is very humanized.
③ 10 kinds of children's special diseases, double indemnity, the protection is stronger.
Leukemia, encephalitis sequela's disease or sequelae of meningitis, severe hand-foot-mouth disease and severe Kawasaki disease are all major diseases that children are prone to. Once they are victimized, the price is very high. Moreover, compared with adults, children with high incidence of serious diseases have a higher cure rate. From a certain point of view, if we can solve the problem of high medical expenses, we can give children a healthy life.
Ruyi Life Guard (Hero Edition) pays extra 100% of the insurance coverage for children with high incidence of10 specific diseases.
This 10 child-specific disease is also included in 1 13 serious diseases, so if you suffer from one or more of them, it is equivalent to * * * getting 200% insurance coverage, which is more secure.
④ You can choose to pay for cancer twice. After the interval, cancer metastasis/recurrence/new occurrence/continuous availability 120% of the insured amount.
In view of the high recurrence rate and high treatment cost of cancer, many critical illness insurance products have introduced the responsibility of second payment for cancer.
Ruyi Life Guard (Hero Edition) has a wide range of secondary compensation for cancer, and new occurrence, recurrence, metastasis and persistence of cancer can all get secondary compensation. In addition, the proportion of secondary payment for cancer has been increased. After the interval, you can get 120% coverage for the second cancer.
That is to say, if you insure 500,000 yuan, you can get a compensation of 600,000 yuan according to the ratio of 1.20%, which is 654.38+10,000 yuan more than the basic insurance amount, and the guarantee is stronger.
In addition, after Ruyi Life Guard (Hero Edition) increased the liability for the second payment of cancer, the premium did not increase much.
It is equivalent to buying an anti-cancer insurance with a coverage of 600,000 in 750 yuan, and the leverage ratio of the premium to the coverage is 1/800, which is quite high.
⑤ More humanized optional protection
In addition to the above solid guarantees, Ruyi Life Guard (Hero Edition) pioneered special care for death insurance, reducing the financial burden of family members and continuing to care for their families. According to the interval between the death of the insured after the first serious illness, different compensation ratios are divided, which are 20%, 40%, 60%, 80% and 100% respectively.
It also provides special disease infection protection for special occupations:
To put it simply, medical staff or workers in other related occupations can get 150% basic insurance coverage if they are infected with HIV or suffer from AIDS due to accidental injuries or other professional needs.
Summary: Ruyi Life Guardian Hero Edition has a large number of serious illness claims and a high proportion, and the proportion of each increase is also very high; Mild/moderate diseases protect all kinds of diseases and have strong compensation; Strong protection for children's specific diseases and rich optional responsibilities.
However, it is inevitable to talk about protection rather than premium. Therefore, we compare it horizontally with other hot-selling multiple payment critical illness insurance to see how the cost performance of Ruyi Life Guardian Hero Edition is.
4. Compared with similar products, is Ruyi Life Guardian Hero Edition cost-effective? ?
It can be seen that Ruyi Life Guard (Hero Edition) is in the lonely realm of "being too high to be cold" in terms of the increase in compensation for serious illness and the proportion of compensation for mild and moderate diseases. Moreover, Ruyi Life Guard (Hero Edition) has a very advantageous price under the condition that the guarantee is superior to other similar products. Take 30-year-old, 500,000 insured, lifelong and 20-year payment as an example. Male premium 10720 yuan, female 9860 yuan, very cost-effective.
Write it at the end
Generally speaking, it is necessary to buy multiple critical illness insurance. Ruyi Life Guardian Hero Edition has comprehensive protection, high payment ratio and good cost performance. It is a very high-quality multiple payment critical illness insurance.