What has been upgraded in the Sunny Warranty Transcendence Edition? I want to insure my child with t

Sunny Warranty Transcendence has upgraded these contents: The option of applying for 15 years has been removed, and the option of surpassing the 15-year version of the insurance has been removed, and the option of paying for 3 years and 5 years has been removed during the payment period; The Sunny Day Protector Beyond Critical Illness Sum Assured has been upgraded from 15% per year to 20% per year. The compensation ratio of Sunny Day Insurance's Excess Light and Moderate Illness has also been increased by 10% each, which is % of the sum insured, and the number of claims for moderate illness has also increased by 1 time, and the maximum number of claims for moderate illness can be paid up to 2 times.

Below, let's take a look at what has been upgraded in the Sunny Sky Guarantee Transcendence Edition? If you want to review Sunny Day Insurance, you can read this article "Ruitai Sunny Day Insurance: The Sum Insured Will Increase, and the Cost Performance is Good".

Sunny Day Warranty Transcendence Edition is a newly upgraded product,Daddy first of all to give you a brief talk about the comparison with the old version,What protection content has been upgraded。

The specific upgrade content is as follows:

1.There are 10 new types of critical illness agreed, and the proportion of critical illness claims increasing by 5% each year, up to a maximum of 200%.

2.The number of claims for moderate illness has increased by 1 time, and the amount of compensation has also changed from the original 50% to 60% of the sum insured.

3.The benefit for minor illnesses has also been changed from 30% to 40% of the sum insured.

4.The types of children's special diseases have also been increased to 22, and the amount of compensation has changed significantly, and the maximum amount of compensation is 200% of the sum insured before the age of 30 and the first 6 years of the policy.

Sometimes when an insurance salesman learns about a product, he may boast about how good the coverage of a product is, but the specific terms and conditions are simply stated.

In this way, we are not clear about what is not covered by the product.

The following dad takes the Sunny Day Guarantee Beyond Edition as an example, analyzes its terms and content, and what are the situations that are not guaranteed, and the dad will "clear mines" for you one by one.

1.The waiting period is not insured.

Take the Sunny Day Warranty Transcendence version of the medium disease as an example.

The waiting period of Sunny Day Warranty Beyond is 180 days, and if you suffer from a moderate illness as agreed in the contract due to accidental injury during the waiting period, the insurance company will not be liable, that is, it will not lose money.

If it is caused by an accident or the waiting period has passed, the moderate illness can be compensated, and 60% of the sum insured will be paid according to the contract.

2.In case of insurance, you must notify the insurance company immediately.

Since you have bought an insurance product, you must be hoping to get the insurance money one day when you have an accident and reduce the economic pressure caused by the first expense.

Why tell the insurance company right away? Can't get a claim after a long time?

No, just tell the insurance company immediately after the accident, and the relevant appraisal work will be easier to carry out, and the responsibility can be determined more quickly.

The Sunny Day Warranty Beyond stipulates that the insurance company must be notified within 10 days after the accident, and the claim can be obtained after 10 days.

Beyond is a pure short-term children's critical illness insurance, with the advantage of high leverage, more than 700 per year with 500,000 critical illness protection.

It is definitely worth buying, after all, it is a cost-effective product, and the insurance amount for moderate and mild diseases is also high. If you have a small budget and only buy a 30-year term critical illness insurance, the Sunny Day Protector Beyond Edition is very good.

Sunny Day Insurance is Ruitai Life's main children's critical illness insurance, and the cost performance is actually quite goodHow is Ruitai Life, is it reliable, and what are the pitfalls and routines

Sunny Day Insurance, Beyond Insurance, has updated a lot of protection, and the premium is a little more expensive after the upgrade, so what is this Beyond Insurance? Let's take a closer look at the detailed comparison of the two editions:

Through comparison, you can see that there are many parts of this update of the Sunny Day Guarantee Transcendence Edition, and let's talk about it in detail below:

1. Adjusted the insurance rules:

The option of 15 years of insurance is removed from the insurance period, and the option of 3 years and 5 years of payment is removed from the premium payment period;

2. Guarantee upgrade:

This upgrade has increased the types of covered diseases, increased the proportion of claims and the number of claims, and changed the number of critical illnesses, mild and moderate illnesses and special diseases

(1) Critical illness:The annual increase in the sum insured for critical illness is the biggest feature of Sunny Day Insurance. After the upgraded Beyond Edition, the Critical Illness Sum Assured will increase by 20% every two years, up to a maximum of 100%, which means that in the 11th year of insurance, the Critical Illness Sum Assured can reach twice the original Sum Assured.

(2) Mild to moderate disease:The payout ratio for mild and moderate illnesses has also increased, and the number of claims for moderate illness has been increased by 1; In addition, some adjustments have been made in terms of sickness coverage:

l A variety of diseases in the original Sunny Day Warranty Mild Disease, such as severe hearing impairment, severe visual impairment, liver failure, etc., have been adjusted to moderate symptoms in the Transcendence versionThe payout ratio is higher

(3) Specific diseases:Before the age of 30, if you suffer from a special illness in the first 6 years, you can pay an additional 200% of the sum insured, and after 6 years, an additional 100% of the sum insured;

Hello, our children will grow up, this sunny day insurance will also grow up, since the listing has attracted everyone's attention, so what does this upgrade bring to you, dad will take you a ** after all.

The content of the upgrade is marked in red).

1. Insurance rules:

There is not much change here, except that the 15-year option has been removed from the coverage period, and the 3-5 year option has been removed from the payment period.

This change reduces the flexibility of protection for the policyholder, but it is not a big problem, because the few options that Ruitai removes in the protection period and payment period are relatively weak, and there are very few people who will really choose.

2. Critical illness benefit:

The critical illness insurance amount is increasing year by year, which is a major feature of Sunny Day Insurance, and Sunny Day Protector Beyond Edition further amplifies this feature, from a 15% increase every two years to a 20% increase every two years.

Don't underestimate this 5%, when the policy is accumulated in the 11th year, the sum assured for critical illness can reach 2 times the original premium.

3. Mild and moderate illness protection:

The sum insured for mild and moderate illness has increased by 10% on the basis of the old version, which is % respectively, which is relatively high compared with similar products.

Moreover, the number of claims for moderate illness has also kept up with the trend, and the compensation for moderate illness can be paid up to 2 times, and the protection of the disease has also been adjusted, adjusting the original mild and severe diseases with several relatively high incidence diseases in the old version to the moderate illness with a higher compensation ratio. This is a true embodiment of the word "transcendence" in the name of the Sunny Day Warranty Transcendence Edition.

4. Special illness protection:

Before the age of 30 and during the first 6 years of the policy, 200% of the basic sum assured will be paid, otherwise 100% of the basic sum assured will be paid.

It can be said that the Sunny Day Protector Beyond is very comprehensive for children's high-incidence critical illnesses, and unfortunately suffering from several high-incidence critical illnesses can get 2-3 times the basic sum assured.

5. Death benefit:

In terms of death protection, after the upgrade of the Sunny Day Insurance, whether the additional rights are in the hands of the policyholder. On the whole, after the upgrade of the Sunny Day Warranty Transcendence Edition, it can be said that the amount is increased without increasing the price, and the protection is so comprehensive, but it is dozens of dollars more expensive, which is very affordable.

In short, this upgrade is really full of firepower, to achieve greater protection, if you want to insure your child with this, dad is very recommended. However, the father still recommends that the parents be protected first, and then consider the children, so as to ensure the economic support in order to give the children the greatest protection.

Hope it helps!

Insurance knowledge integration

First of all, we will send you the latest children's critical illness insurance rankingsTop 10 cost-effective children's critical illness insurance in 2020.

Sunny Day Guarantee Beyond Critical Illness Insurance is an upgraded version of children's critical illness insurance launched by Ruitai Life, and many people have asked recently.

1. Highlights. 1. The guarantee is relatively comprehensive. The coverage of this children's critical illness insurance includes three aspects: "critical illness", "moderate illness" and "mild illness", as well as 22 types of high-incidence critical illness for children.

2. High compensation ratio. The payout ratio of critical illness protection increases by 20% every two years, and the maximum payout ratio can reach 200% of the basic sum assured, which is very rare in the market. For 22 specific children's critical illnesses, you can also receive an additional benefit of 200% of the basic sum assured before the age of 31 and in the first 6 years of policy, and 100% of the basic sum assured for one of the 22 specified critical illnesses before the age of 31 and after the 6th year of policy.

3. You can add the option of "policyholder exemption", if this item is attached, if the policyholder suffers from mild, moderate, serious illness, death or total disability as agreed in the insurance contract, you can not pay the later premium, and the contract continues to be valid.

Second, the shortcomings. 1. The waiting period is long, the waiting period of this product is 180 days, which is longer than the 90-day waiting period for children's critical illness insurance on the market. The longer the waiting period, the shorter the actual coverage period, as there is no compensation during the waiting period.

2. The compensation conditions for some mild diseases are relatively high. For example, "72 hours of deep coma" is classified as mild illness benefit, while most critical illness insurance products on the market classify "72 hours of coma" as moderate illness benefit or even critical illness benefit.

3. There is an age limit for additional claims for specific critical illnesses for children. In this regard, although it has a high proportion of additional compensation, there is an age limit, and it only bears additional liability for policyholders before the age of 31. Hope to adopt.

The critical illness sum insured can be increased, which is undoubtedly the biggest highlight of the Sunny Day Protector Beyond Edition.

Not only can it resist inflation, but the protection is also further increased to better protect the children.

If you don't have critical illness insurance for your child, now is the perfect time to get on the bus, so be sure to buy it before the Sunny Day Warranty Beyond is removed from the shelves on January 31, 2021. For more children's critical illness insurance, please see here: "Popular Children's Critical Illness Insurance Rankings, See if there is anything you want?"

As one of the benchmark products for children's critical illnesses, Sunny Day Guarantee Transcendence Edition is favored by parents by virtue of its comprehensive protection and cheap advantages.

Next, let's briefly review the coverage content of the Sunny Day Warranty Transcendence Edition:

This product provides comprehensive coverage for basic critical illnesses, moderate illnesses, and mild illnesses.

Its biggest features are reflected in the following 3 aspects:

1. The claim ratio for critical illness can be increased to a maximum of 200%.

The critical illness payout ratio of Sunny Day Protector Beyond is 100%.

However, the Basic Sum Assured can be increased by 20% every two years for the first 11 policy years, up to a maximum of 200%.

For example, Ms. Wang purchased a 500,000 insurance amount for her daughter.

In the first year of the policy, the payout ratio for critical illness remains unchanged at 100%.

However, in the first year of the policy, the sum insured increased by 20%, and if she suffered a critical illness during this period, Ms. Wang's daughter would receive a compensation of $600,000.

By analogy, if you invest 500,000, the final basic insurance amount for critical illness will become 1 million, which is equivalent to free additional insurance.

The amount of insurance can not only resist inflation, but also greatly reduce the economic pressure on the family after the child is sick.

2. The proportion of compensation for moderate and mild diseases is high

The balance ratio of moderate and mild illness of the Sunny Day Protector Beyond Edition is very good in the children's critical illness insurance market.

Among them, moderate illness will not be grouped into 2 claims, and 60% of the basic sum insured will be paid each time; Minor illness will not be grouped into 3 claims, and 40% of the basic sum insured will be paid each time.

In similar products, 50% of the compensation for symptoms and 30% for mild diseases are the majority.

3. The protection for children's special diseases is increased, and the maximum compensation is 3 times the sum insured

Sunny Day Protector Beyond covers 22 types of children's special diseases, covering specific diseases that are highly prevalent in childhood.

At the same time, the product stipulates that if you suffer from one of the 22 children's special diseases, an additional 200% of the sum insured will be paid in the first 6 years of the policy; From the 7th year onwards until the insured reaches the age of 30, an additional 100% of the sum insured will be paid.

In other words, if you suffer from a special illness in children, you can get 2 or 3 times the basic sum assured.

The protection is further increased, which can give the child more comprehensive care.

In addition, Sunny Day Insurance also has Critical Illness Green Pass service and loyal customer rights.

Among them, the responsibility of loyal customer rights and interests highlights the sincerity of the insurance company: the insured can re-apply for the designated critical illness product without health notice within 60 days after the expiration of the insurance period of this product.

All in all, the overall cost performance of Sunny Day Insurance is very good.

Sunny Day Protector Beyond Critical Illness Insurance is the latest single-claim children's critical illness insurance product launched by Ruitai Life.

Key features of Sunny Day Protector Premium: Critical Illness Sum Assured increases by 20% every 2 years, with a maximum payout of 200% of the Basic Sum Assured.

Who can buy the Sunny Day Warranty Transcendence Edition.

How about the protection of the Sunny Day Warranty Transcendence.

Daddy concluded. Here are the insurance rules for this product:

Issue age: 30 days - 17 years old.

Coverage period: 20 years, 25 years, 30 years.

Maximum contribution period: 20 years.

Waiting period: 180 days.

Summary: The insurance rules for this product are decent.

After understanding the insurance rules, let's take a look at the specific coverage:

1. Basic responsibilities.

1) Critical illness insurance benefits.

110 critical illnesses with 20% increase in sum assured every 2 years.

In the 1st to 2nd year, 100% of the basic sum assured will be paid;

In the 3rd to 4th year, 120% of the basic sum assured will be paid;

In the 5th to 6th years, 140% of the basic sum assured will be paid;

In the 7th to 8th year, 160% of the basic sum assured will be paid;

In the 9th to 10th years, 180% of the basic sum assured will be paid;

After the 11th year, 200% of the basic sum assured will be paid.

2) Moderate illness insurance benefit.

20 types of moderate illness, up to 2 claims, 60% of the basic sum insured each time.

3) Minor illness insurance benefits.

40 types of minor illnesses, up to 3 claims, 40% of the basic sum insured each time.

4) Additional insurance benefits for specific diseases.

Before the age of 30, if 22 specific diseases are diagnosed with children, an additional 200% of the basic sum assured will be paid in the first 6 years of the policy, and an additional 100% of the basic sum assured will be paid after the policy is in force for 6 years.

Finally, dad will summarize the advantages of the Sunny Day Guarantee Transcendence Edition:

The feature is that the sum insured for critical illness can be increased, and at the same time, the protection for critical illness, mild illness, moderate illness, and special illness for children has been upgraded, and the upgraded protection is more comprehensive, and although the premium has also increased accordingly, it is still very worth buying.