Since the implementation of the new regulations on critical illness insurance, insurance companies have successively introduced various new definitions of critical illness insurance. At the same time, it also includes ruitai Life Insurance, which launched ruitai's exclusive Ankang critical illness insurance, which attracted many people just after it was launched, because the maximum amount of critical illness insurance can pay 200%!
However, online views on ruitai's well-being are different. Senior, let me give you a glimpse of its foundation!
The focus of this article is:
Ruitai enjoys excellent basic welfare protection!
Ruitai enjoys these big pits in Ankang, but most people just can't hold it!
First, the basic guarantee for Ruitai 'an to enjoy well-being is very strong!
Not much to say, first of all, the essence of ruitai products enjoying well-being is presented:
As can be seen from the product map, the basic guarantee for ruitai to enjoy Ankang's critical illness insurance includes critical illness, moderate illness and minor illness. In addition, this product can also provide other guarantees according to its own needs, which is very rich.
Next, let's take a look at the key points of the product:
1, critical illness support is awesome
Ruitai enjoys well-being, and has set up a six-payment critical illness insurance system. If the insured amount is 500,000, the maximum compensation can be 6.5438+00,000. It can be seen that there are still many claims provided, and there is nothing we can do.
Besides, compared with the critical illness insurance which only pays the basic insurance amount in the market, ruitai enjoys a really good health!
2. Strong protection against mild and moderate diseases.
Ruitai enjoys 30% of the insured amount for three mild cases and 30% for three moderate cases. From this point of view, the product has performed quite well in terms of payment ratio and payment times.
Some products in the market can only pay 20% coverage for mild diseases, and some products even lack protection for moderate diseases. In this way, the protection provided by ruitai to enjoy Ankang against three diseases is still quite excellent!
If you are interested in enjoying ruitai's well-being, this detailed evaluation article is ready for you: "Is it effective for ruitai to enjoy Ankang's critical illness insurance?" In-depth evaluation "
Second, ruitai enjoys the well-being of these big pits, which is beyond the control of ordinary people!
After a thorough analysis of Rui Taian Kang, Senior Sister found that there were so many problems!
1, and the warranty period is optional.
Ruitai's well-being can only be guaranteed for life, and there are no flexible options. For friends who want to start regular critical illness insurance products, they can only find another insurance!
Moreover, we know that the premium for choosing whole life insurance is definitely expensive, and friends who want to buy regular critical illness insurance are simply unfriendly.
Many critical illness insurance in the insurance market can be guaranteed for life, and you can choose it regularly and choose the most suitable scheme according to your own situation.
Of course, what's better than guarding it all your life? This article is for your reference: "should I choose to stay for life or stay for life?" 》
The waiting time is really too long.
At present, the waiting period of critical illness insurance is generally 90 days, but ruitai needs 180 days to enjoy well-being, which can be said to be twice the waiting period.
It can be said that there is no guarantee during the waiting period. If you get sick in the meantime, you won't lose money.
Therefore, the shorter the waiting time, the better. After all, you never know whether you will be in danger while waiting.
In a word, although ruitai enjoys the comprehensive protection of Ankang critical illness insurance, the shortcomings of this product can not be ignored, such as the long waiting period and the single guarantee period.
It can only be said that it is cost-effective to enjoy the happiness of Bi Ruitai, and the senior sister found them. Let's take a look at this list of critical illness insurance: "Comprehensive analysis! The new definition of critical illness insurance with the highest cost performance turned out to be these ten models! 》
Write it at the end
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