Let's take a look at the content of this product plan with you!
Before starting the evaluation, senior sister will show you the configuration of Versailles plus critical illness insurance. I believe you can also feel the strength of Tongfang Global Life:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
1. Is Tongfang's global Ruyifu product plan good?
Senior carefully read the terms of this product plan and summarized a product outline.
You can get to know each other and get to know the plan of this product:
At present, Tongfang global Ruyifu old-age security is still the main insurance of Ruyifu product plan, and the additional insurance is paid in advance by Tongfang global additional health and critical illness insurance.
The main insurance allows the insured to enjoy the protection of 60/70/80 years old, and the additional insurance allows the insured to enjoy lifelong protection.
Next, let's take a look at the specific guarantees provided by this product plan:
1. Death protection
If the insured dies unfortunately within the guarantee period stipulated in the contract, the insurance company will pay a death insurance premium to the beneficiary in accordance with the regulations.
There are several kinds of compensation for death insurance:
(1) If everyone only starts with the main insurance, then the death insurance can be understood as the amount stated in the summary of the main insurance benefits;
(2) If the main insurance and the additional insurance are started at the same time, and the death occurs within the insurance period of the main insurance and before the death, there is no major illness. At this time, the death protection is borne by the main insurance, and the death insurance premium is the sum of the basic insurance amount of the main insurance or the premium paid in the main contract;
(3) If the main insurance and additional insurance are purchased at the same time, in addition, the insured dies after the expiration of the main insurance period. At this time, the death protection comes from the additional insurance, and the death insurance premium is the greater of the basic insurance amount of the additional insurance or the sum of the premiums paid in the main contract.
2. Major disease protection
Critical illness protection is mainly stipulated by the domestic Ruyifu product plan additional insurance. Guaranteed in 120 major diseases, 25 moderate diseases and 40 mild diseases.
You can get compensation for serious illness up to 3 times, and you can apply for compensation of 100% of the basic insurance amount of additional insurance each time. It should be noted that the compensation for serious illness must be group compensation. 120 The serious illness is divided into five groups, and all diseases in each group can only apply for 1 compensation.
In the content of compensation for mild diseases, it is still stipulated that "mild diseases can enjoy five compensation opportunities", but the proportion of compensation for moderate diseases is not high. At this time, the insured can only enjoy the additional risk of 50% of the basic insurance amount.
3. Expired insurance liability
If the insured is not out of danger during the guarantee period of the main insurance contract, the insured can normally receive an expired insurance premium at this time.
If the insured does not choose to apply for additional insurance at the time of insurance, the amount specified in the main insurance benefit summary shall be the main basis for paying the due insurance money; If the main insurance and additional insurance are insured at the same time, and there is no serious illness, the maturity insurance premium at this time is equal to the sum of the premiums paid in the main contract.
Due to the limited space of the article, for more information about the product plan, I suggest you take a look at this more comprehensive evaluation article:
Tongfang global ruyifu product plan is coming! Just look at it! 》
2. Is Tongfang's global Ruyifu product plan worth starting with?
All in all, this Tongfang global Ruyifu product plan can provide death and serious illness protection. If there is no accident during the guarantee period, the insurance company will return the overdue insurance money. It is really "life-saving, old and sick."
Moreover, the product plan provides multiple insurance periods (main insurance) and payment periods for the insured to choose from, and the insurance flexibility is also high.
It should be noted that the proportion of compensation for chronic diseases in its additional insurance will be relatively low, and the compensation for serious diseases is group compensation.
Finally, senior sister also wants to tell you that you should not think that you can be reckless when choosing this product scheme. Because people not only have the risk of serious illness and death in their lives, but also need to consider other aspects of protection.
For details, please refer to this insurance plan, which has a systematic explanation:
How do young people buy insurance? With this configuration, the premium is saved by half! 》
Write it at the end
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