How about Ruitai Sunny Day Critical Illness Insurance, and is it worth buying?

Ruitai Sunny Day Insurance Children's Critical Illness InsuranceFor specific children's critical illness, an additional 100% of the sum insured will be paid, and a single claim for critical illness will pay 1 time, and 100% of the sum assured will be paid; 10 kinds of moderate diseases, 1 claim, 50% of the sum insured; 40 types of mild diseases, 3 claims are paid 3 times without grouping, 30% of the sum insured is paid each time, and there is no interval.

1.Critical illness benefit

The Critical Illness Sum Assured of Sunny Day Protector can be increased by 15% every 2 years, up to a maximum of 75% of the Sum Assured.

If the insured is unfortunately diagnosed with a critical illness, he can get up to 175% of the sum insured, and if he or she is insured with 500,000 yuan, he can get a compensation of 10,000 yuan.

2.Moderate illness benefit

It can be seen that the Sunny Day Guarantee Moderate Illness Protection is relatively general, only covering 10 types of moderate illness, and it can only be paid once at most.

3.Minor illness benefit

As can be seen from the figure above, the coverage of Sunny Day Insurance for high-incidence and mild diseases is very good, where "chronic renal dysfunction" is defined as a moderate disease, and the sum insured is higher.

4.Death benefit

In the unfortunate event of the death of the insured, the premiums paid will be paid.

5.Additional benefits for children's special illnesses

For 15 kinds of children's special diseases, an additional 100% of the sum insured will be paid, and the maximum amount will be paid once.

If the critical illness diagnosed by the insured person falls within the list of critical illnesses and the list of special illnesses for children, then two benefits will be paid.

6.Loyal customer rights

If the insured is insured age + insurance period 40 and has not been insured, the insured can apply for Ruitai Life's Ruitai or other designated critical illness insurance products without health notice and waiting period within 60 days after the policy expires.

Comparative evaluation of a variety of children's critical illness insurance:

As can be seen from the figure above, these children's critical illness insurance premiums** can have an insured amount of 500,000 yuan as long as a few hundred yuan per year.

Bumblebee No. 3 and Naughty Protector are both critical illnesses that can pay an additional 50% of the sum insured for a period of time, and if you choose to protect it for life, the scope of the additional sum insured for Bumblebee No. 3 is larger; Sunny Day Protector Children's Critical Illness Insurance is different from the other two types of critical illness insurance, and the sum insured takes time to grow, but in the end, the critical illness sum insured is the highest among them.

For the coverage of children's special diseases, Fosun Mommy Baobei is the best, and the details can be seen in the figure below

In addition, Fosun Mommy Guarantee also includes children's rare disease protection, covering 5 kinds of children's rare diseases, with an additional 200% of the sum insured. If you want to know more about children's critical illness insurance products, you can refer to the latest product evaluation on the daddy insurance website, and compare and analyze more, and there will be different choices.

Let's first take a look at the basic content of Ruitai Sunny Day Insurance Children's Critical Illness Insurance:

Issue age: 30 days to 17 years old.

Basic sum insured: 200,000-600,000.

Coverage period: 15 20 25 30 years.

Payment period: 5 10 15 20 years.

Waiting period: 180 days.

Critical illness protection: 100 critical illnesses, 1 claim, 100% of the sum insured, 15% increase in the sum assured every 2 years, up to a maximum of 75% of the sum insured.

Moderate illness benefit: 10 types of moderate illness, 1 claim, 50% of the sum insured.

Mild illness protection: 40 types of mild illness, 3 claims are paid 3 times without grouping, and 30% of the sum insured is paid each time, with no interval.

Specific critical illnesses: 15 special illnesses for children, an additional 100% of the sum insured will be paid, and the maximum amount will be paid once.

Value-added services: loyal customer rights, with an insured amount of 500,000 yuan to enjoy green pass services.

Premium Waiver: Double waiver for the policyholder and the insured.

Death: Refund of premiums paid.

1. The maximum sum insured for critical illness can be as long as 175%.

The biggest feature of Sunny Day Protect Critical Illness Protection is that the sum assured will grow, increasing by 15% of the basic sum assured each year for the first 11 policy years, up to a maximum of 175% of the sum assured.

It is equivalent to buying 500,000 insurance amounts, and the maximum amount can be paid out of 10,000 yuan.

Double payout for children's special diseases

Sunny Day Insurance covers 15 specific diseases with a high incidence of childhood and pays an additional 100% of the sum insured.

Double payout plus increase in sum insured, up to 275% of the payout, that is, buy 500,000 sum insured, and if 15 specific diseases of children occur, the maximum payout can be 10,000!

Most of the children's special illness benefits are only for minors, that is, they are only covered until the age of 18, and there is no cover after the age of 18. The Sunny Day Protector can last for the entire coverage period, and the double payout will last as long as the policy lasts.

3. You can enjoy the rights and interests of loyal customers

Loyal customers can continue to purchase the products of the insurance company within 60 days of the expiration of the insurance.

1. Less protection for moderate illness

Sunny Day Protector only covers 10 kinds of moderate illnesses, and it is only paid once, which is really a bit low.

2. The protection of children's high-incidence special diseases is average

As mentioned above, Sunny Day Insurance has double payout for 15 types of children's special diseases, but among the 15 high-incidence diseases for children, Sunny Day Insurance only covers 8 of them and can get double payout.

Compared with the 13 kinds of Mommy Baobei, the protection of the high-incidence special illness of children is average.

To sum up, Ruitai Sunny Day Insurance is a cost-effective children's critical illness insurance, and parents in need can consider buying this product.

You can pay attention to Pig Insurance (ID is common to all platforms) and contact me directly, and any questions can be asked at any time!

Hello this friend, Sunny Day Insurance is underwritten by Ruitai Life, and now it has ushered in an upgrade, and this upgrade has brought something to everyone.

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.

Daddy compared this product with several other popular products, I hope it will help you: "Is there a pit in Bumblebee No. 3?" Compare Mommy Baobei Sunny Day Baobao".

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.

Ruitai Life may not be familiar with everyone, it mainly relies on online telemarketing and bancassurance channels to expand customers, Sunny Day Insurance is one of his main recommendations, if you want to know more about Ruitai Life, you may wish to take a look at this:How is Ruitai Life, is it reliable, and what are the pitfalls and routines

Let's take a look at the details of the Sunny Day Insurance

Sunny Day Insurance is a children's critical illness insurance designed for children, and the overall cost performance is still good, let's talk about it firstPros:

1. The guarantee is basically comprehensiveSevere, moderate and mild illness protection are included, and the insured amount of critical illness can be increased, increasing by 15% every 2 years, and the maximum compensation can be 175%, which is quite high, and this setting is also more humane.

2. Additional benefits for specific critical illnesses for children:A children's critical illness insurance, it is relatively pleasing to pay additional compensation for children's specific critical illnesses, and the compensation ratio can go to 200%, which is also quite high.

After sorting out the advantages, look at the disadvantages, it's still a very fatal point-Long-term coverage is required；Because the maximum protection period of this critical illness insurance is only 30 years, if you want adequate protection in the later stage, under the premise of sufficient budget, you want to be insured until the age or longer, you need to use other critical illness insurance, compared with other children's critical illnesses that can be insured for life, this is obviously not good.

Summary: The cost performance of the sunny day insurance is actually not bad, that is, the insurance period is a relatively large shortcoming, if you care about the protection of children's specific critical illnesses, you can still have an in-depth understanding of this.

Ruitai Life issued a message that Sunny Day Insurance is about to be discontinued, what about this product that once swept the industry, let's take a look today to see if it is worth it for us to catch the last trip.

Not much to say, let's go to the insurance essence map first:

We can directly see the warranty content of this product:

1.Critical illness benefit

The Sunny Day Protector Beyond Critical Illness Benefit is increased by 20% every 2 years, up to a maximum of 200% of the Basic Sum Assured.

2.Mild and moderate illness coverage

Sunny Day Protector pays 60% of the basic sum assured for moderate illness and 40% of the sum insured for minor illness. Such a high proportion is also a spike for many products on the market.

3.Have a child-specific disorder

Sunny Day Warranty Transcendence, 6 years before the insurance and before the age of 30, an additional 200% of the basic sum insured will be paid, which is really very conscientious.

Don't look at it as perfect, there are flaws behind the perfection, and the intelligent underwriting of the Sunny Day Insurance (Beyond Version) is strict, like the hepatitis B virus carriers, who are directly denied insurance.

Do you think it's only one of its shortcomings?,In fact, there's a lot of hidden cats behind it.,I want to take a deep look here:

Don't be embarrassed to brag about Sunny Day Guarantee (Beyond Edition), you may not know these shortcomings!

Sunny Day Protector Beyond is a popular children's critical illness insurance, which will be discontinued on December 31, 2020.

Let's first get to know the product of Sunny Day Guarantee Transcendence:

The protection content of the Sunny Day Guarantee Transcendence Edition is still very rich, so let's take a look at what its characteristics are:

1. The sum insured can be increased

Starting from the 3rd year, the Critical Illness Sum Assured can be increased by 20% every 2 years, up to a maximum of 200% of the Sum Assured, which is currently a very high level of compensation.

2. Additional compensation can be paid for children's special diseases

Sunny Day Protector surpasses 22 types of children's special diseases, with an additional 200% compensation for the first 6 years, and an additional 100% after 6 years and before the age of 30.

But the Sunny Day Warranty Transcendence Edition is not very perfect, and the disadvantages are:

1. The duration of the insurance is limitedsystem

The maximum coverage period of Sunny Day Warranty can only be selected for 30 years, and there is no longer term, such as 70 years old, 80 years old, lifetime and other periods.

In addition, there is another place to pay special attention to the Sunny Day Warranty Transcendence Edition, which must be seen before buying:

Don't be embarrassed to brag about Sunny Day Guarantee (Beyond Edition), you may not know these shortcomings!

Sunny Day Protector Beyond is an exclusive children's critical illness insurance policy, covering mild, moderate and critical illnesses, with 22 additional benefits for specific children's diseases. Let's take a look at the Ruitai Sunny Day Warranty Transcendence Edition? Is it worth buying?

1. The sum insured for critical illness will be increased to a maximum of 200%.

In the first 11 policy years, the Critical Illness Sum Assured will increase by 20% of the basic sum assured and up to 100% of the basic sum assured, and the insurance product will increase the critical illness sum assured incrementally.

2. Comprehensive disease protection covers 170 diseases

The insurance product covers 110 types of critical illnesses + 20 types of moderate illnesses + 40 types of minor illnesses, of which moderate illnesses can be paid twice in total, each time being 60% of the basic sum assured; Mild illness can be paid 3 times in total, each time is 40% of the basic sum insured, so the proportion of mild and moderate illness compensation is high, such as unfortunate insurance can get a high amount of compensation, so that patients can get high-quality service, increase the probability.

3. Additional compensation for specific diseases in children

The insurance product covers 22 specific diseases of children, such as leukemia, severe asthma, brain malignant tumors and severe Kawasaki disease, with an additional 2 times the basic sum insured for the first 6 years and 1 times the basic sum insured for the 7th year to the age of 30 (inclusive) of the insured.

4. Double exemption shows human care

The insurance product comes with the insured's moderate and mild illness exemptions; The policyholder can choose mild, moderate, critical, death, and total disability, so the insurance product has a double exemption function, demonstrating human care, and this insurance product is cost-effective and worth choosing.

5. The insurance premium is excellent and cost-effective

The basic insurance amount is 600,000 yuan, the insurance period is 30 years, the payment period is 20 years, the annual premium for the 0-year-old boy is 762 yuan, and the annual premium for the 0-year-old girl is 828 yuan. A small investment can obtain high protection, and a premium expenditure of a few hundred yuan can obtain hundreds of thousands or even millions of insurance protection, which is very cost-effective.

Daddy concluded

In general, the protection of the Sunny Day Insurance Beyond version is still good, and the cost performance is still relatively high, which is worth insuring.

However, if you are more concerned about the protection of specific critical illnesses in children, or if you have the protection of other diseases that you are more concerned about, you should compare other products.