What is the difference between Ping An Ruyi Quanneng CI Rider and Taikang Lexiang Jiankang 2026?
Both Ping An Ruyi Quanneng CI Rider and Taikang Lexiang Jiankang 2026 are 重疾险 products. Use the comparison table on this page to see side-by-side differences in company, region, currency, premium term, coverage, illustrated IRR, and policy features.
FAQ
- Which is better, Ping An Ruyi Quanneng CI Rider or Taikang Lexiang Jiankang 2026?
- Neither product is universally better. Compare by region, currency, premium term, coverage breadth, and illustrated IRR to find the one that matches your needs.
- Are the comparison figures guaranteed?
- Comparison data is extracted from official brochures and updated whenever the underlying product vector is updated. Non-guaranteed portions (such as illustrated IRR for participating policies) depend on the insurer's performance.
- Where can I read the official brochures?
- Both official PDF brochures are linked on this page. Always confirm terms with the official documents before deciding.
Methodology
Structured data: ProductVector v2.11 (registry id compare-field-registry-v2.11.json).
Ping An Ruyi Quanneng CI Rider vs Taikang Lexiang Jiankang 2026
重疾险
Compare 平安附加如意全能（2025）提前给付重大疾病保险 and 泰康乐享健康2026重大疾病保险 across coverage, features, and benefits.
共 17 行 · 6 个分组
基础信息
| 字段 | Ping An Ruyi Quanneng CI Rider | Taikang Lexiang Jiankang 2026 |
|---|---|---|
| 保障年期 | 暂无数据 | 终身 |
| 缴费期 | 2年 / 20年 | 一次性 / 3年 / 5年 / 10年 / 15年 / 20年 / 25年 / 30年 |
| 投保年龄相同 | 投保年龄按计划版本、缴费期及条款规定而定。 | 投保年龄按计划版本、缴费期及条款规定而定。 |
| 保单货币相同 | CNY | CNY |
疾病覆盖
| 字段 | Ping An Ruyi Quanneng CI Rider | Taikang Lexiang Jiankang 2026 |
|---|---|---|
| 疾病总数 | 160优势 | 120 |
| 重大/严重疾病数相同 | 120 | 120 |
首次赔付
| 字段 | Ping An Ruyi Quanneng CI Rider | Taikang Lexiang Jiankang 2026 |
|---|---|---|
| 首次重疾赔付 | 重大疾病保险金按本合同基本保险金额100%给付。 | 重大疾病保险金按基本保险金额、已交保费、现金价值三者较大者给付；以基本保额口径至少为100%。 |
| 早期疾病赔付 | 轻度疾病保险金按基本保险金额20%给付，累计以五次为限。 | 暂无数据 |
| 严重疾病赔付比例相同 | 100% | 100% |
| 早期/轻症赔付比例 | 20%优势 | 暂无数据 |
| 中症/中度赔付比例 | 50%优势 | 暂无数据 |
多次赔付
| 字段 | Ping An Ruyi Quanneng CI Rider | Taikang Lexiang Jiankang 2026 |
|---|---|---|
| 是否多次赔付相同 | 否 | 否 |
| 多次赔付等待期相同 | 多次赔付或相关保障设等待期，具体以产品条款为准。 | 多次赔付或相关保障设等待期，具体以产品条款为准。 |
现金价值/分红
| 字段 | Ping An Ruyi Quanneng CI Rider | Taikang Lexiang Jiankang 2026 |
|---|---|---|
| 是否有保证现金价值相同 | 是 | 是 |
| 是否有非保证红利/分红相同 | 是 | 是 |
人寿保障
| 字段 | Ping An Ruyi Quanneng CI Rider | Taikang Lexiang Jiankang 2026 |
|---|---|---|
| 身故赔偿说明 | 暂无数据 | 18周岁后身故/全残/疾病终末期保险金按基本保险金额、已交保费、现金价值三者较大者给付。 |
| 身故赔付比例 | 暂无数据 | 100%优势 |
产品特色对比
摘要补充 · 来自产品结构化特征
Ping An Ruyi Quanneng CI Rider
- 疾病覆盖广 · 覆盖160种疾病，含120种重疾。
- 现金价值 · 兼具现金价值或分红元素，适合长期配置。
Taikang Lexiang Jiankang 2026
- 疾病覆盖广 · 覆盖120种疾病，含120种重疾。
- 现金价值 · 兼具现金价值或分红元素，适合长期配置。
重疾险 · 共 17 个对比字段