Xintai Life Insurance Co., Ltd. is an insurance company mainly engaged in life insurance, which was established in May 27 and belongs to the national life insurance company. It is reported that Xintai Life Insurance has developed from a registered capital of 5 billion yuan to now, and its assets have exceeded 45.5 billion yuan, which can be described as rapid development. Xintai life insurance attaches great importance to its own service and always takes customers as the center in its business process.

The Best Life Guard of Xintai Life Insurance (Hero Edition) is a kind of critical illness insurance with high cost performance.

the "heroic nature" of ruyi life guardian (hero edition):

if you are called a hero, you must have certain strength. Ruyi Life Guard (Hero Edition) not only has solid basic skills, but also has original tricks:

▲11 kinds of serious diseases, which are divided into 6 groups and compensated for 6 times, increasing by 2% one after another, and paid in turn: 1%, 12%, 14%, 16%, 18% and 2%, with a total coverage of 9%;

▲5 kinds of mild diseases, 4 times without grouping, each time with 45% insurance coverage;

▲25 kinds of Chinese diseases will be compensated twice without grouping, with 6% coverage each time;

▲ Cancer in situ can be compensated for up to 3 times, with 45% insured amount for each time;

▲ Children's specific serious illness protection, 1 kinds of children's specific diseases pay an extra 1% of the insured amount;

▲ Death/total disability protection, 1% coverage for death after the age of 18

▲ Exemption for minor/moderate/serious illness of the insured

▲ (optional) Second malignant tumor insurance premium: after three years from the first cancer, all new/recurrent/metastatic/persistent malignant tumors can be compensated with 12% basic coverage. Pay 2%, 4%, 6%, 8% and 1% of the basic insurance coverage

▲ (optional) HIV infection protection for specific occupations: pay 15% of the basic insurance coverage

In addition, Ruyi Life Guard (Hero Edition) can add an exemption for the insured to strengthen the protection of the insured; As well as additional endowment assurance, the premium can be refunded even if it is not out of danger.

Generally speaking, Ruyi Life Guard (Hero Edition) is still ultra-luxurious and super-powerful! Without a "skill", how can you be your super hero?

how does ruyi life guard (hero edition) break through all the powerful enemies one by one and become a leader in the market of multiple compensation for critical illness insurance?

1. Solid basic skills

1. Critical illness protection-6 times of incremental compensation, 9 times of insurance coverage

How strong is the critical illness protection of Ruyi Life Guardian (Hero Edition)? 11 kinds of serious diseases+divided into 6 groups+incremental compensation for 6 times, and paid 1%, 12%, 14%, 16%, 18% and 2% of the insured amount in turn. Specifically, it has two advantages:

(1) High incidence and serious illness are grouped scientifically, and the probability of multiple compensation is high

Since it is a critical illness insurance that is paid by groups for multiple times, whether the grouping is reasonable is a very important measure.

A large number of claims and medical data show that malignant tumor, acute myocardial infarction, coronary artery bypass grafting, sequelae of stroke, transplantation of major organs or hematopoietic stem cells, and end-stage renal disease are the most common diseases, accounting for more than 8% of all serious diseases, so they are also defined as six compulsory diseases in China Banking and Insurance Regulatory Commission. Among them, the incidence of malignant tumor is the highest.

Ruyi Life Guard (Hero Edition) divides malignant tumors into one group, and the other five serious diseases are scattered in different groups as far as possible:

The groups with high incidence and serious diseases are scattered, which reduces the mutual influence and greatly improves the actual probability of multiple compensation.

(2) Pay for 6 times, increasing by 2% step by step, and the compensation is quite strong

Ruyi Life Guard (Hero Edition) can not only pay for many times, but also pay a higher proportion every time, and the guarantee is stronger every time.

6 times of incremental payment, the single payment is as high as 2% of the insured amount. What is the cumulative payment of 9% of the insured amount? Put it together with the best-selling multiple-payment critical illness insurance products in the market:

Today, with the high incidence of chronic diseases, it is very common for people to survive one or two serious illness injuries by advanced medical means. The critical illness insurance coverage of Ruyi Life Guardian (Hero Edition) is increasing by 2% one after another, which is quite high, and it can cope with extreme risks more effectively.

Compared with similar products, Ruyi Life Guard (Hero Edition) pays more &; The insured amount of multiple payments has increased even more &; The cumulative compensation ratio is higher, and in general, the protection of serious illness is quite strong!

2. Mild/moderate disease protection —— The proportion of compensation is high, and all diseases are guaranteed, and cancer in situ can be compensated for three times

Moderate disease, mild disease and severe disease are relative concepts, which all refer to the early development stage of major diseases. Mild/moderate illness insurance reduces the threshold of claims for critical illness insurance, which enables patients to get a certain degree of compensation at the early stage of the disease and receive treatment more fully. However, there is no uniform definition of moderate and mild diseases, and there is no uniform standard for the proportion of compensation. For consumers, the higher the proportion of compensation, the better.

Ruyi Life Guardian (Hero Edition) has such an excellent proportion of compensation for serious illness. Can moderate illness and mild illness be equally bright?

It is not difficult to see that Ruyi Life Guard (Hero Edition) has a high proportion of compensation for mild illness and moderate illness, with 45% coverage for mild illness and 6% coverage for moderate illness, which is generally about 1% higher than similar products, and it is quite difficult to feel lonely.

At the same time, Ruyi Life Guard (Hero Edition) has also achieved "watertight" protection for high incidence and mild diseases. Combined with the data of minor claims and medical data, we sorted out 12 kinds of high-incidence minor diseases: < P > High-incidence minor diseases were comprehensively covered, and minor stroke was directly included in the Chinese diseases.

What's more worth mentioning is that Ruyi Life Guard (Hero Edition) can pay for cancer in situ twice, with a cumulative maximum of three times, and the second and third payments do not occupy the number of minor cases.

With the improvement of early screening methods for malignant tumors, it is more and more possible to curb the development of the disease at an early stage. For the public, the practicality of multiple compensation for cancer in situ is actually quite high and very necessary. At this point, Ruyi Life Guardian (Hero Edition) is undoubtedly in the forefront.

In addition, Ruyi Life Guard (Hero Edition) comes with a mild/moderate illness exemption. If a patient has a mild/moderate illness, he can not only get a claim, but also pay the rest of the premium, and the insurance contract will continue to be valid, which is very humanized.

3. Protection for children's special diseases-1 kinds of children's special diseases will be covered by 1% extra, and the protection will be stronger.

Leukemia, encephalitis sequela's disease, meningitis sequelae, severe hand-foot-mouth disease and severe Kawasaki disease are all major diseases that children are prone to have, and once they suffer from them, the cost is very high. Compared with adults, the cure rate of children suffering from serious diseases is higher. So from a certain point of view, if we can solve the problem of high medical expenses, we can give our children a healthy life.

For 1 kinds of specific diseases with high incidence among children, Ruyi Life Guard (Hero Edition) can pay an additional 1% of the insurance coverage:

These 1 kinds of specific diseases for children are also included in 11 kinds of serious diseases, so if you suffer from one or more of them, you can pay a maximum of 2%+1% of the insurance coverage and triple the insurance coverage, which is more powerful.

If all the above guarantees are the solid basic skills of Ruyi Life Guard (Hero Edition), which enables it to gain a firm foothold in the serious illness market with repeated compensation and have the strength to compete with many experts, then the following points can be said to be unique skills of Ruyi Life Guard (Hero Edition), which enables it to defeat the enemy and take the lead.

Second, the unique trick to defeat the enemy

1. The proportion of secondary compensation for malignant tumor is higher

According to the characteristics of high recurrence rate and high treatment cost of malignant tumor, Ruyi Life Guardian (Hero Edition) can choose secondary compensation for malignant tumor, and after the interval, it can pay for the recurrence, metastasis, new occurrence and spread of malignant tumor.

Many critical illness insurance products in the market can provide the secondary compensation responsibility for malignant tumors, but in contrast, Ruyi Life Guard (Hero Edition) pays 12% of the secondary coverage for malignant tumors, with a higher proportion, and the premium increase after the addition is also smaller:

In the case of premium calculation above, a 3-year-old male invests 5, coverage for life, and pays 3 years to insure Ruyi Life Guard (Hero Edition)

2. Initiate special care for death insurance-people are gone, and care continues

What does it mean to suffer from a serious illness? For the patient, it may be that the body is devastated by illness, and in the worst case, it may be lingering on the sickbed. For the family, it may mean giving up work and never leaving care and companionship. Under careful care, the patient died unfortunately, leaving his family with bone-chilling pain and perhaps a large amount of expenses during his stay in bed due to serious illness.

Generally speaking, the critical illness insurance only pays one of the critical illness insurance coverage and the death insurance coverage, which may still not relieve the financial burden of the patient's family in the case of death due to illness. In view of this situation, Ruyi Life Guard (Hero Edition) pioneered the special care insurance for death, which can continue to care for family members:

Both serious illness and death responsibilities can be paid, with a maximum of 1% basic insurance coverage, providing strong support for family members' future life.

3. Initiate the special occupational disease-specific infection insurance fund-you protect the world, I protect you

We always pay tribute to special occupational groups in our lives, and because of the recent epidemic, more people have a deeper understanding of the greatness of medical staff. It is often they who protect the world with their flesh and blood in the most dangerous places in times of crisis.

Medical staff, criminal police, etc. often bear far more risks than ordinary people in specific diseases and infections because of the particularity of their occupations. In order to provide protection for their special professional life, Ruyi Life Guard (Hero Edition) pioneered the insurance premium for special occupational diseases:

If medical staff, firefighters, policemen and other special occupations encounter trauma at work, or are infected with HIV or AIDS, they can pay 15% of the basic insurance premium. Ruyi Life Guard (Hero Edition) is an innovation in the critical illness market, and this guarantee is a humanized care for special occupational groups.

Third, super cost-effective-the rate is as low as dust, just to give you stronger protection against serious illness

We compare Ruyi Life Guard (Hero Edition) with several similar products that sell well:

Ruyi Life Guard (Hero Edition) also pays for serious illness insurance for many times, regardless of the proportion of increasing compensation for serious illness, mild illness and moderate illness, or the richness of optional responsibilities. On the premise of stronger protection and wider scope, the premium of Ruyi Life Guard (Hero Edition) is at the same level or even lower than that of similar products under the same conditions, which has an absolute cost-effective advantage!

ruyi life guard (hero edition) belongs to a hero who makes a decision before moving: it stands firm in the market of repeatedly paying for serious illness with strong basic guarantee, and then it is unique with rich and humanized optional responsibilities to consolidate its invincible position.

written at the end

Ruyi Life Guard (Hero Edition) not only has many advantages such as comprehensive protection and high cost performance, but also is superior to similar products in the market in terms of responsibilities such as serious illness protection, mild/moderate illness protection and secondary protection of malignant tumors, with more compensation ratio and stronger protection, which further expands the cost performance advantage.

In addition, Ruyi Life Guard (Hero Edition) also pioneered special death care insurance and special occupational disease infection insurance, which reflected the chivalrous heart of "hero" for others from the perspective of consumers with different needs. Generally speaking, Ruyi Life Guardian (Hero Edition) is worthy of the title of "hero", and has the strength and courage to become the leader in the market of paying for serious illness for many times.