Today, Senior Sister will take a look at Ruihua Leruibao's life-long critical illness insurance (Internet) with everyone to see if it is really that good. Click the link below to learn the true face of Ruihua Leruibao's life-long critical illness insurance (Internet):
Is Ruihua's health, youth, peace, health and critical illness insurance really worth buying? After reading these points! 》
1. Is Ruihua Leruibao life critical illness insurance (Internet) worth insuring?
Senior, before it's too late, let's go directly to the above picture:
The following seniors analyze this product according to the insurance rules and protection contents:
1. Analysis of insurance conditions
As can be seen from the protection map, LeRuiBao lifelong critical illness insurance (Internet) allows people born between 28 days and 50 years old to take out insurance. If you want to insure this product, you must be within the above age range, otherwise you are not allowed to insure it.
In addition, LeRuiBao lifelong critical illness insurance (Internet) has set up lifelong protection, which can be used by friends who usually pursue lifelong protection.
At the same time, LeRuiBao lifelong critical illness insurance (Internet) * * * has set four payment term options, and you can choose 10/ 15/20/30 years. You can buy a suitable payment term in full consideration of your own economic situation.
The waiting period in Leruibao's life-long critical illness insurance (Internet) is as long as 180 days. Throughout the critical illness insurance market, this waiting period is average.
But we must also understand that there were many excellent critical illness insurance products on the market before, all of which only provided a waiting period of 90 days!
Compared with Leruibao's life-long critical illness insurance (Internet), it is still these products that make the insured enjoy the comprehensive protection of this product faster.
If you are interested in the knowledge of waiting period, you can look at this article by Senior Sister:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
2. Security content analysis
According to the terms, the coverage of Leruibao's lifelong critical illness insurance (Internet) is quite sufficient, including light, medium and heavy protection, disease care fund, specific disease protection fund (optional), death/total disability protection fund (optional), malignant tumor-serious illness medical allowance (optional), and light, medium and heavy exemption for the insured.
At the same time, Leruibao's lifelong critical illness insurance (Internet) also includes optional protection of disability care allowance insurance. When necessary, Ruihua can attach the insured's exemption premium and additional insurance for serious illness (Internet), which now refers to the insurance of the insured's exemption for minor, moderate, serious illness, death/total disability.
It can be seen that the optional protection of this product is relatively rich, especially for both men and women, and it provides death/total disability protection!
Speaking of which, if you still have questions about whether to attach death protection, then this article by Senior Sister can help you:
"Can I buy insurance against death? Isn't this naive? 》
However, in addition, LeRuiBao lifelong critical illness insurance (Internet) also includes two other rights and interests services, namely policy loan and automatic premium payment, which increases the practicality of the policy to a certain extent.
Second, the senior sister suggested
However, on the whole, Leruibao's life-long critical illness insurance (Internet) is cost-effective, and the coverage content is relatively complete, except that its maximum insurance age is 50 years old and the waiting period is 180 days, that is, six months, so it is not particularly worth starting.
Write it at the end
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