However, no matter what kind of purchase method, you should pay attention to several points before insurance, otherwise it is easy to be cheated.
In order to let you know the relevant content better, I introduced the details of this product in the article:
The newly launched Hongkang "Ruyi Meimei" has exposed these shortcomings. ...
I. Analysis of Hongkang Ruyi and Beauty Protection
International practice, protect the map first:
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
Hongkang Ruyi and Midea have very rich malignant tumor protection, including basic cancer screening specific premium, malignant tumor nursing premium and extended cancer screening premium.
The specific insurance premium for cancer screening refers to: after the insured completes the cancer screening project and is confirmed not to suffer from the mild, moderate or severe diseases specified in this contract, if he suffers from a certain male or female cancer specified in this contract before the age of 60 (excluding 60), he can get the compensation of the critical illness insurance amount as well as the compensation of 100% of the basic insurance amount.
Some friends still don't know what's special about this responsibility. Let me explain something to you.
Take the common female breast cancer as an example, the treatment cost can be quite a lot, generally ranging from tens of thousands to hundreds of thousands. Suppose the budget is relatively small and it costs 200 thousand. If you are unfortunately suffering from cancer, the compensation ratio of 100% for serious illness compensation is sometimes worse, not to mention the compensation for income loss during treatment.
This product can also pay 1 times more on the basis of the basic insurance coverage for female special diseases, which means that the basic insurance coverage for special diseases agreed in the contract is twice as high, and the economic pressure will not be so breathless in a short time, so this guarantee is really useful!
2.？ On the Defects of Hong Kang Ru Yi and Beauty
(1) Waiting time is too long.
From the consumer's point of view, the longer the waiting period, the worse! Because of the designated insurance accident during the waiting period, the insurance company is not responsible. If it is a serious illness, it can only bear hundreds of thousands of expenses by itself, and I don't know what is the use of buying this insurance.
Now the competition in the critical illness insurance market is fierce, and the products waiting for 90 days have deteriorated! Hongkang Ruyi and Midea still need 180 days, which is twice as much as other products. This is really unfriendly to consumers!
(2) Insufficient protection for critical illness.
Hongkang Ruyi and Midea's critical illness insurance guarantee adopts a single payment and does not provide additional payment.
You know, many products on the market now have extra compensation in terms of protection.
For Ford Plus, a critical illness insurance product that can get 6 times of critical illness compensation, the maximum additional compensation can reach 1.50%. For example, if you choose a coverage of 500,000, you can reach 1.25 million.
In the case of the same basic insurance amount, the compensation amount of Hongkang Ruyi and Midea is only 500,000, a difference of 750,000. This amount can basically be used to pay the down payment for buying a house in a first-tier city.
If you are interested in Ford plus, you can refer to the following article:
Fosun and Ford Plus are excellent? Seeing this defect, I was speechless.
Second, are Hongkang Ruyi and Meimei worth buying?
Generally speaking, it is not as perfect as everyone thinks, but the protection of gender-specific cancer diseases is quite beautiful. The waiting period is too long, the guarantee period can only be lifelong, and the critical illness protection is not competitive. This product is not irritating, so please consider it carefully.
If you do not require specific cancer disease protection, you can consider other products with high cost performance, comprehensive protection and greater protection on the market.
There are many excellent critical illness insurance products. I carefully selected these ten models. Look at this series:
Comparing and analyzing the newly defined critical illness insurance, these ten models are actually the most worth buying!
Write it at the end
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