Is AIA s critical illness insurance good, and what about AIA s critical illness insurance? Is it wor

Not good enough, needs to be considered, has some flaws.

1.AIA's Critical Illness Insurance.

The protection is not high, and the defects are relatively large.

AIA's Critical Illness Insurance.

The name is Friends Ruyi Shunxin Edition. The term of insurance for this product is lifelong, and the policy age spans from 18 to 55 years old. From the perspective of the protection strength of this critical illness insurance, it is not difficult to find that for critical illness protection, only 100% of the basic sum insured is paid, and there is no additional compensation, so the protection is relatively small.

2.It is not cost-effective, and families with average conditions are not recommended to purchase AIA's critical illness insurance.

AIA's critical illness insurance has a relatively low payout ratio for minor illnesses, and the premiums are not cheap, so for families with average economic levels, the payment pressure is relatively high.

Extended Materials. 1.Critical illness insurance refers to the insurance company that covers specific critical illnesses, such as malignant tumors.

Myocardial infarction, cerebral hemorrhage.

When a risk occurs, the insurance company pays the insurance money according to the insurance contract when the insured reaches the critical illness status agreed in the insurance terms.

2.The definition of disease in this specification is based on the development of critical illness insurance for adults at home and abroad and in combination with modern medicine.

Therefore, this specification applies to critical illness insurance during the insurance period, which is mainly for adults (over 18 years of age).

3.Types of Critical Illness Insurance:

Term insurance. Critical illness protection is the main insurance, which is given for a certain period of time, and generally adopts a balanced premium. The maximum coverage period of this type of critical illness insurance is 30 years, and if you buy it at the age of 20, you can only protect it until you are 50 years old, and if you buy it at the age of 30, you can only protect it until you are 60 years old.

It should be noted that although this kind of insurance is the main insurance, it is also a consumer type, and the premium cannot be refunded if there is no claim.

Whole life insurance. Whole Life Critical Illness Insurance provides lifelong protection to the insured. There are two forms of lifetime protection, one is critical illness protection for the insured until the death of the insured; The other is that when the insured survives to the limit age agreed in the contract (such as 100 years old), the insurer pays the insurance money equal to the amount of critical illness insurance, and the insurance contract is terminated.

Generally, whole life critical illness insurance products will include death insurance liability, and the rate is relatively high due to the greater risk.

There are many critical illness insurance products in AIA, such as AIA Ruyi Critical Illness Insurance, AIA Friends Ruyi Treasure Critical Illness Insurance, etc., and the specific situation should be analyzed according to the specific product.

If you want to know more about AIA, you can take a look at this article, which also has evaluation content about AIA's critical illness insurance products: How about AIA? Are its products worth buying?

Many friends don't know whether this critical illness insurance is good or not, and they don't know what the standards of good critical illness insurance are.

1. Comprehensive protection.

A good critical illness insurance will include the three basic benefits of mild, moderate and critical illness. Needless to say, critical illness protection can lower our claim threshold for mild and moderate illness. In the unfortunate event that the insured suffers from a mild or moderate illness, the insured will have money to take a step forward** to avoid the deterioration of the condition.

2. Contains additional compensation for critical illness.

Critical illness** is expensive, and the inclusion of a critical illness bonus can help us get an extra amount of money when we unfortunately suffer from a critical illness, which is naturally good for us.

Here, the senior sister also found a critical illness insurance for you that contains additional compensation for critical illness, and the compensation ratio is high, you can take a look at this product: Versailles plus critical illness insurance is back, in-depth evaluation must be seen before buying!

3. Loose underwriting.

If you're in poor health, don't worry, look for a critical illness insurance product with easy underwriting. Generous underwriting of critical illness insurance gives the insured a good chance of taking out the critical illness insurance even if he or she has some health notice for the above-mentioned illnesses.

4. There are value-added services.

The value-added services of critical illness insurance are generally green pass services, which can provide coordinated arrangements such as hospitalization and expert outpatient consultation in tertiary hospitals, which helps us save time queuing for appointments.

AIA is a well-known large insurance company, founded in 1919, is a foreign-owned enterprise, headquartered in Hong Kong. AIA has a lot of excellent products, we picked a critical illness insurance - Youruyi Shunxin Edition, let's see how it is?

The version is divided into Plan A, Plan B, and Plan C, and the compensation ratio corresponding to mild and moderate illness is different, and there is no difference in other benefits. The coverage is relatively comprehensive, with a single claim for critical illness, multiple claims for mild and moderate illness, and death and total disability benefits.

For critical illness, total disability and death benefits, this one sets up to increase the corresponding sum insured if you meet the sports standard, up to a maximum of 50% of the basic sum insured. However, it should be noted that only one of the three will be paid for critical illness, death, and total disability.

AIA is a relatively well-known brand, and it has always been not low. This ** is also not cheap, choose to insure plan C, 30% for mild illness, 60% for moderate illness, 30-year-old men buy 500,000 insurance amount, pay for 30 years, it will be nearly 10,000, the same budget, you can buy similar products with better protection and more comprehensive compensation and higher compensation.

Therefore, I recommend that you make more comparisons, there are many cost-effective products, I have sorted out in this article, there is a demand for fierce poke: the latest critical illness insurance list: compared with the 186 critical illnesses on the whole network, which ones are worth buying?

The purpose of buying insurance is to solve our concerns, what is the reason for you to buy a critical illness? Why care about AIA Critical Illness?

Of course, as far as AIA Critical Illness is concerned, its critical illness, in addition to group compensation, and high-incidence cancers are not grouped separately, the need to add fees for minor and critical illness waivers to underwrite is a great disadvantage, most of the critical illnesses on the market are exempted from liability by the insured, and the policyholder's waiver requires the purchase of accessory insurance.

In addition, if the economy is not very good, you can buy pure critical illness products, if the budget is okay, you can consider adding mild illness, moderate illness multiple claims, by the way, critical illness must pay attention to whether there is a death liability. If you want to know how to buy a critical illness, you can consult a professional for advice.

AIA's critical illness insurance is particularly good. It's well worth buying, and people are paying special attention to their health nowadays, so it's very worthwhile to buy such insurance.

This insurance is still very good, and it is worth buying, and the sum insured is relatively large, and the scope of claims is relatively wider.

It's still very good, and it's also worth buying insurance, and if you're in better condition, it's also very secure to buy.

When buying insurance, many friends are very willing to choose those well-known insurance companies, although this method is desirable, but it is not the only criterion for judging.

To judge whether a company is excellent or not, in addition to looking at its popularity, it is also necessary to look at the company's background strength and solvency.

Senior sister has written more details about how to choose an insurance company in this article, if you are interested, you can take a look: when we are looking at an insurance company, what do we want to see?

After reading the product picture, the senior sister took everyone to an in-depth analysis.

1.Narrow age range.

The maximum insurable age of Youruyi Shunxin Critical Illness Insurance is only 55 years old, and most of the critical illness insurance on the market is currently 60 years old or 65 years old, and the best ones can reach 70 years old.

The Youruyi Shunxin version of critical illness insurance stopped being insured when the policyholder was 55 years old. It is also too insincere to keep people over the age of 55 out of the door!

2.The coverage period is single.

Youruyi Shunxin Critical Illness Insurance only provides a lifetime protection period, which virtually reduces the consumer's choice of the protection period.

Although a lifetime insurance policy can make the insurer enjoy protection for life, it can't stand its price! The difference between a fixed-term critical illness insurance and a lifetime critical illness insurance** is almost twice as fast.

But if you have enough budget in hand, it is indeed a good choice to protect for life.

Critical illness insurance should be for term or life.

3.The payout is small.

Youruyi Shunxin Critical Illness Insurance is divided into three protection plans, and the payout ratio of each protection plan is different, and the higher the payout ratio, the more expensive the premium.

However, even Plan C with the highest payout ratio is only a passing level in the market, not excellent, let alone Plan A and Plan B.

4.The extra payout is greasy.

In addition to paying 100% of the basic sum insured, the Critical Illness and Death Total Disability Insurance of Youruyi Shunxin Edition also has an additional benefit.

However, there is a prerequisite for getting the full 50% additional payout, and that is that the sport meets the standard. In the event that the sport is not up to standard, the additional 50% payout will be reduced.

In the critical illness market, there are many people who can reach 60% of the additional compensation without exercising, and even 80% of them.

Top 10 Popular Critical Illness Insurance Points Worth Buying!

AIA is also a well-known large company, and the series of critical illness insurance products launched are also constantly upgraded, but it is still common to see people asking: Is AIA good or reliable? Let's take a look at the situation of this company first, and read it below

The Internet says that AIA is not good? Is it true?

Quanyou Huixiang series is AIA's critical illness insurance "star product", which has been constantly upgraded, I will take three of the representative products to do an analysis, look at the picture:

The coverage content of these versions is similar, with up to 6 and 7 claims for minor illnesses, and additional benefits for critical illnesses in the Collector's and Youth versions. At first glance, it looks very distinctive, and it is very different from other critical illness insurance products. However, there is a cat that outsiders don't understand, so I'll take you to see it:

1.The additional benefit period for critical illness is too short

Critical illness can pay an additional 50% of the basic sum assured, but the term of this benefit is only set for the first 10 years of the policy, which means that if you apply for insurance at the age of 18, you will lose this protection after the age of 28, but in the age group of 28 to 60, it is the time when our family responsibilities are the greatest, and we need to bear a lot of financial pressure. If the loss of earning capacity due to a critical illness is a huge blow to the family.

Most critical illness insurance companies on the market can make additional claims before the age of 60, and the additional compensation ratio reaches more than 60%, and the highest is 80%. This benefit only increases the premium, but it does not play the role of protection it should have, which is not sincere.

2.Mild illness has been paid for many times

The number of minor illness claims of these three products has reached six or seven times, but the mild illness is not a minor illness, the degree of harm to the body is not small, and it is generally difficult to suffer from 7 mild illnesses, so the proportion of the first three minor illnesses is particularly important.

However, the proportion of minor illness payouts enjoyed by Quanyou is only % in the first four times. Nowadays, most critical illness insurance plans pay more than 30% for minor illnesses, and some reach 40% and 45%. If the sum insured is 500,000, Quanyou Huixiang will pay 20% of the basic sum assured, and when compared with the critical illness insurance that pays 40% of the basic sum assured, the amount of compensation will be 100,000 less, which is really a loss.

3.Lack of coverage for moderate illness

Mild and moderate symptoms are not ordinary diseases that are insignificant, they are the early and middle stages of major diseases, and if they are not treated in time, they can easily deteriorate into serious diseases. Nowadays, most critical illness insurance products come with mild, moderate and critical illness protection, and the lack of moderate illness protection in the Quanyou Privilege series is a big shortcoming.

To summarize the above, I also suggest that you take a look at other critical illness insurance products on the market, but you don't have to bother, I have summarized the list of the top ten popular critical illness insurance, which is absolutely cost-effective, and you can buy it with confidence:Top 10 Popular Critical Illness Insurance Points Worth Buying!

In the process of buying critical illness insurance, we must understand a truth, we must buy insurance products that are suitable for us, and the coverage is very compatible with ourselves, which is good insurance.

It's not that which company's insurance products are better, no matter how good the product is not suitable for you, you can't buy it, no matter how big the insurance company is, if it doesn't meet the conditions for claims, the insurance company won't pay it.

To buy critical illness insurance, you have to understand it to buy it right, and the senior insurance consultant team spent several months to summarize strongly, and you have to read itWhat should I pay attention to when buying critical illness insurance? Which products are really worth buying? 》

1. Why do people like to ask how is the critical illness insurance of XX company?

When buying critical illness insurance, people often fall into the usual thinking of buying things, such as how about XX brand mobile phones, how about XX brand laundry detergent, and how about XX brand cars.

We prefer to buy products with good brands, because the products of big brands are excellent and more trustworthy.

Therefore, it is normal for everyone to have such questions when buying critical illness insurance.

If you want to know which insurance company is better and which insurance company's insurance products are better, these questions are understandable from the thinking of daily shopping.

In fact, what we usually buy is a real thing, and what insurance buys is a contract.

Whether we buy critical illness insurance from Ping An Insurance Company, critical illness insurance from Pacific Insurance Company, or critical illness insurance from other insurance companies that we have not heard of, we are buying a contract.

As long as we have a situation that meets the conditions of the contract terms of the payment, the insurance company will pay the payment.

Second, we must not forget these three points when buying insurance

1) Insurance products are not strictly a penny for a penny, I believe that "expensive must be good", which will only make you spend more money;

2) Insurance products, not daily consumer goods, it is difficult to form a word-of-mouth effect, insurance only buy big brands, may lead to you to buy the wrong insurance;

3) Insurance compensation is not the size of the company, but the terms of the contract, so to buy insurance, you must first look at the terms, and then look at the company.

I hope you can choose the critical illness insurance product that suits you rationally, it doesn't matter which company you buy, whether the protection responsibility of the product you buy is suitable for you, and whether the corresponding ** is suitable in similar products is important.