In order to let you know in detail, I have detailed information about this product in the article:
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I. Analysis of Hongkang Ruyi and Beauty Protection
According to the previous general practice, the safeguard diagram is summarized as follows:
Combing the guarantees in the above picture, we can find that this Hongkang Ruyi Beauty not only has basic light to heavy guarantees, but also these three special guarantees are specially designed for cancer. Based on the characteristics of this product, let's see if this product is great!
1.？ An analysis of the advantages of Hong Kang Ruyi and Mei Mei Mei
This benign and beautiful malignant tumor is fully guaranteed. This product has special insurance premium for basic cancer screening, which can not only flexibly add cancer care insurance premium, but also flexibly add extended cancer screening insurance premium.
Then, the specific insurance premium for cancer screening means that if the insured suffers from a certain male or female cancer specified in this contract before the age of 60 (excluding 60) after completing the cancer screening project and being confirmed not to suffer from mild, moderate or severe diseases specified in this contract, he can not only get the compensation for the serious illness insurance premium, but also get the basic insurance premium of 100%.
Some friends may think there is nothing special about this responsibility. Let me explain.
Take the common female breast cancer as an example, which usually requires tens of thousands to hundreds of thousands of treatment fees. For example, the budget is not enough, only 200 thousand insurance coverage. If you are unfortunately suffering from cancer, the proportion of 100% compensation for serious illness alone should not be enough, let alone compensation for income loss during treatment.
This product will pay 100% of the basic insurance premium for breast cancer, a special disease of women, which is almost twice as much as the basic insurance premium for special diseases stipulated in the contract, and can temporarily relieve the economic pressure, so this kind of protection is quite good!
2.？ On the Defects of Hong Kang Ru Yi and Beauty
(1) Waiting time is too long.
The shorter the waiting period, the better for consumers! Because if the specified insurance accident happens during the waiting period, the insurance company can not be responsible. In case of serious illness, hundreds of thousands of expenses can only be paid by themselves, so buying this insurance is equivalent to not buying it.
There are many products with a waiting period of 90 days in the competitive critical illness insurance market! Hongkang Ruyi and Meimei still need a waiting period of 180 days, which is twice that of others. This can be said to be too inhuman for consumers!
(2) Insufficient protection for critical illness.
When it comes to critical illness protection, Hongkang Ruyi and Midea can only pay once, and there is no extra payment.
In terms of the protection of critical illness insurance, many critical illness insurance products on the market have extra compensation.
For example, this critical illness insurance product, Ford Jia, can pay 6 times for its critical illness insurance, and the highest premium can be paid, that is, the ratio is 150%. If you choose a coverage of 500,000 yuan, you can get a maximum compensation of 150%, that is,1250,000 yuan.
With the same basic insurance coverage, Hongkang Ruyi and Meimei ended up with only 500,000, with a difference of 750,000, which is enough for us to buy a house in a first-tier city and pay the down payment.
If you are interested in the critical illness insurance of Ford plus, please click this article to have a look!
Fosun and Ford Plus are excellent? Seeing this defect, I was speechless.
Second, are Hongkang Ruyi and Meimei worth buying?
Comprehensive analysis of the protection content of Hongkang Ruyi and Midea, although not as perfect as everyone imagined, is still very good for the protection of gender-specific cancer diseases. From this product, we can know that its waiting period is too long, the guarantee period can only be lifelong, and the critical illness protection is uncompetitive and too weak. Everyone should pay attention to the discussion.
If you feel that the protection of specific cancer diseases is not too necessary, other products with high cost performance, comprehensive protection and greater protection on the market are also an option.
There are many excellent critical illness insurance products, but I have carefully selected these ten models. Collect it slowly!
Compared with the newly defined critical illness insurance, the most worthwhile critical illness insurance products are actually these ten models!
Write it at the end
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