For those who are in a hurry, you can also click this article to view the evaluation results:
"In-depth evaluation! Is Ruihua Health Yue Worry-Free 2.0 Lifelong Care Insurance Worth Insuring for the Elderly? 》
1. What are the protection highlights of Yue Yue Worry-Free 2.0 Lifelong Care Insurance?
Then I won't go into details. Let's take a look at the protection essence of this product:
As shown in the figure, the protection content of this product is not difficult, including nursing insurance and illness death insurance. In addition, it also has the rights and interests of insurance reduction, policy loan and automatic premium payment. Take a look at the highlights of this product!
1, insurance rules
Yiyue Worry-Free 2.0 Lifelong Care Insurance currently allows children born over 28 days to become the insured at the age of 65, which can be described as lifelong care insurance. The payment method is particularly flexible, not only supporting wholesale payment, but also supporting 3-year, 5-year, 10-year and 20-year payment, which is very suitable for people with different needs. If the economic budget of some small partners is relatively limited, then you may wish to extend the payment period, such as choosing to pay within 20 years. In the case of the same amount of insurance, the annual fee price is relatively low, which can reduce the pressure.
The waiting period is also called the observation period and exemption period of the insurance company. If the insured is in danger during the waiting period due to non-accidents, the insurance company will not apply for compensation. The waiting period of EasyWorry-Free 2.0 Lifelong Care Insurance is the same as that of most similar products on the market, limited to 180 days.
So if you escape during the waiting period, is there really nothing to lose? Not necessarily, just look at this article:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
The exemption clause is actually the content or situation that the insurance company does not underwrite, which generally includes the injury of the insured to the insured, drunk driving and suicide of the insured. Worry-free 2.0 Lifelong Care Insurance has quite a number of exemption clauses, including nine, which is actually a relatively normal level.
2. Guarantee content
Joy Worry-Free 2.0 Lifelong Care Insurance covers nursing insurance and death insurance. If the insured loses the ability of daily living due to accidental injury or other reasons after the waiting period, it will last until the end of the observation period (if the insured is under 6 years old at the end of the observation period, it must last until the insured reaches 6 years old). The insurance company will pay the nursing insurance premium according to the corresponding proportion.
If the insured dies of illness after the waiting period, the insurance company will also compensate according to the accumulated premium or cash value, whichever is the greater.
This is equivalent to, if the insured loses the ability of daily living, or unfortunately dies of illness, Yi Yue Worry-Free 2.0 Lifelong Care Insurance can protect the insured. It is worth noting that sickness death benefits and nursing insurance benefits cannot be enjoyed at the same time.
Second, what are the benefits of Yi Yue Worry-Free 2.0 Lifelong Care Insurance?
As can be seen from the protection map, Yiyue Worry-Free 2.0 Lifelong Care Insurance covers the effective coverage for the whole year. From the second policy year, the effective insurance amount of the product in each policy year is actually increased by 3.5% on the basis of the basic insurance amount specified in the policy. This is equivalent to more and more effective coverage of this product every year.
Let's take a 0-year-old boy as an example, and pay 30,000 yuan a year, with the basic insurance amount of 129 150 yuan. Let me show you the benefits of this product!
If you pay 30 thousand yuan a year, the annual premium of the fifth policy will have been paid. In this case, the accumulated premium has reached 1.5 million yuan. At the end of the year, the nursing insurance premium, illness death insurance premium and cash value were 154630 yuan respectively.
If the insured has never been out of danger before, when he is 70 years old at the end of the year, the total cash value at the end of the year is 153 1966 yuan, which is already more than 10 times of the premium paid. If you are out of danger at this time, you will have the opportunity to get 153 1966 yuan of nursing insurance or death insurance.
The above is just a demonstration of benefits, and the specific benefits need to be determined according to the actual situation of the insured.
According to comprehensive analysis, Yi Yue Worry-Free 2.0 life-long care insurance is well protected, and the comprehensive price is relatively high. It is a well-protected product and an insurance worthy of friends' configuration. Of course, friends can also choose a product configuration that suits them after comparing other products with better protection of the same type on the market.
Of course, in addition to nursing insurance, such as critical illness insurance, medical insurance, life insurance and accident insurance, friends also need to apply for insurance according to the economic situation and the needs of family members. If you don't know much about these four kinds of insurance, don't miss this article:
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims? 》
Write it at the end
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