How about Ruihua Jirui's critical illness insurance? Is it reliable?

While the awareness of universal insurance has been enhanced, the insurance market has also become hotter, and insurance companies have continuously introduced their own products.

For example, Ruihua Jiruibao critical illness insurance brought by Ruihua Insurance Company ~

Many friends have asked seniors what this product is like. Is it worth buying?

Then, senior sister will carefully analyze this product of Ruihua Jiruibao critical illness insurance for everyone!

1. What are the advantages and disadvantages of Ruihua Jiruibao critical illness insurance?

Not much to say, first look at the protection map to understand the product form:

After carefully reading the above picture, we can understand that the product form of Ruihua Jiruibao Critical Illness Insurance is relatively simple. Today, I will tell you the advantages and disadvantages of this product.

& gt& gt advantage

1. The guarantee is flexible and can meet the needs of people with different budgets.

The compulsory liability of Ruihua Jiruibao's critical illness insurance includes critical illness insurance and death insurance, and the optional liability includes middle illness insurance, minor illness insurance and premium exemption. Partners can choose the appropriate insurance according to their personal needs and budget.

Ruihua Jiruibao critical illness insurance provides an optional coverage period. If you choose lifetime guarantee, you can cover the whole life cycle, which is really safe. If you choose to protect yourself until you are 70, you can protect your income loss before retirement, and the premium is not very high. Friends with insufficient funds can consider it.

If you still don't know what kind of guarantee period to choose, you can see what the experts say:

Should critical illness insurance be guaranteed for a fixed period or for life? 》

The death protection of Ruihua Jiruibao critical illness insurance is also optional for my friend. If you choose the death insurance amount, the protection will be more perfect; If you choose to pay according to the accumulated insurance premium, you can also get a good guarantee, and the insurance premium is relatively low.

In short, Ruihua Jiruibao's critical illness insurance is particularly flexible and can meet the needs of people with various budgets.

After reading the above, are you ready to move? However, the shortcomings of Ruihua Jiruibao's critical illness insurance are far more than these. I suggest you read its shortcomings before making a decision.

& gt& gt disadvantage

1. No extra compensation for serious illness.

Ruihua Jiruibao's critical illness insurance claims only 1 time, and always only pays 100% of the basic insured amount. Compared with those products suffering from serious diseases in special age groups, Ruihua Jiruibao's critical illness insurance has no bright spot.

For example, Kanghuibao flagship version 2.0 critical illness insurance can pay an additional 60% of the insured amount before the age of 60. Similarly, if you buy 500,000 yuan, if someone gets seriously ill before the age of 60, you will get 800,000 yuan. Ruihua Jirui guarantees only 500,000 critical illness insurance, which is not cost-effective.

2. Long waiting period

The waiting period of Ruihua Jiruibao critical illness insurance is 180 days, which is still very common in the market. After all, other excellent critical illness insurance is a waiting period of 90 days.

Don't underestimate the 90-day gap. After all, if it appears during the waiting period, there is a great chance that it will not be settled. Therefore, for the insured, the shorter the waiting period of critical illness insurance, the better. Compared with the waiting period setting of Ruihua Jiruibao critical illness insurance, excellent products still need to learn more.

The content of the article is limited, so I will bring my friends to understand the protection of Ruihua Jiruibao's critical illness insurance. Want to know more about Ruihua Jiruibao critical illness insurance? You can see what the experts say:

"Ruihua Jiruibao's critical illness insurance is the hardest hit area. You must know these points! 》

2. Is Ruihua Jiruibao critical illness insurance worth buying?

In short, this Ruihua Jiruibao critical illness insurance is flexible, but the protection is not very comprehensive, and the payment for critical illness is relatively poor.

This product is also a good choice for small partners who want to have a basic guarantee with a relatively small budget, but pay attention to the follow-up insurance.

For the family economic pillar, the protection of Ruihua Jiruibao's critical illness insurance is not comprehensive, and it is best for such people to consider the critical illness insurance products with strong compensation.

If you think it is too much trouble to choose critical illness insurance, I have also compiled several high-paying products for your reference:

"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

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