Many friends came to ask Senior Sister if this product was worth buying, so Senior Sister quickly evaluated the value of this product.
Before the evaluation, let's compare Huixin 'an (Selected Edition) children's critical illness insurance with other children's critical illness insurance products on the market:
Hui Xin 'an (Selected Edition) VS 136 Children's Critical Illness Insurance is popular in China.
1. What are the advantages and disadvantages of Hui Xin 'an (Selected Edition) children's critical illness insurance?
Not much to say, look at the evaluation chart first:
From the above evaluation chart, we can see that Huixin 'an (Selected Edition) children's critical illness insurance can cover people below 18, and has a waiting period of 180 days and a lifetime guarantee period.
Let's share with you the advantages and disadvantages of Huixin 'an (Selected Edition) children's critical illness insurance:
1, Advantages of Huixian (Selected Edition) Children's Critical Illness Insurance:
& gt& gt Flexible payment period
The payment period of Huixin 'an (Selected Edition) children's critical illness insurance consists of one-time payment or three-fifths/10/20/30 years. Everyone can choose the payment period that suits them according to their actual situation.
However, at present, many children's critical illness insurance has certain limitations in the payment period, such as only one or two choices.
Therefore, in contrast, Huixin 'an (Selected Edition) children's critical illness insurance is very good, which can meet the payment needs of many people and is very good.
At this time, some friends may have questions, how to choose the most reasonable payment period, you can poke below to find out, I believe I can answer your question:
How to choose the payment period so as not to stumble?
& gt& gt High proportion of extra compensation
Hui Xin 'an (Selected Edition) Special Disease Protection for Children's Critical Illness Insurance * * * includes 16 kinds of diseases, and provides a compensation ratio of 100% of the insured amount.
For example, Xiao Li bought her daughter Huixin 'an (selected version) children's critical illness insurance with a coverage of 500,000. Unfortunately, his daughter suffers from a special disease within the scope of the contract, and the insurance company will pay 6,543,800 yuan to Xiao Li's daughter, which means that the amount of compensation obtained has doubled.
Hui Xin 'an (Selected Edition) Children's Critical Illness Insurance Special Disease Protection The payment ratio of this product is still very good in the market.
2. The shortcomings of Hui Xin 'an (Selected Edition) children's critical illness insurance:
& gt& gt The guarantee period cannot be flexibly selected.
Hui Xin 'an (Selected Edition) children's critical illness insurance can only be guaranteed for life, and can't be chosen at will.
Everyone knows that the premium of life-long critical illness insurance products will be more expensive. For some families, it may be limited by budget. It is very appropriate to choose a regular critical illness insurance product at this time.
However, if you want to buy Huixin 'an (selected version) children's critical illness insurance, you can only buy it for life, which is a bit reluctant for those families with poor economic conditions.
& gt& gt The waiting time is too long.
As we all know, the insurance company will not pay during the waiting period.
If you are the insured, you definitely want the waiting period to be as short as possible.
The waiting period of 90 days is the general period of excellent critical illness insurance on the market at present, but for Huixin 'an (selected version) children's critical illness insurance, the waiting period is 180 days, which is 1 times more than other critical illness insurance products.
In contrast, Hui Xin 'an (Selected Edition) children's critical illness insurance is not so good.
& gt& gt The proportion of compensation for chronic diseases is too low.
Huixin 'an (Selected Edition) has a low proportion of disease compensation in children's critical illness insurance, and can only get 50% protection. For critical illness insurance products, most of the compensation ratio in the market is generally 60% guarantee. Compared with other critical illness insurance products, Huixin 'an (Selected Edition) has less critical illness insurance for children 10%.
If the insured is diagnosed with China's disease during the insurance period, he can only get 250 thousand compensation; If Xiao Li orders a critical illness insurance product for her daughter, the product will pay 60% for the middle illness, and if the doctor diagnoses it as a middle illness, she can get 300,000 yuan.
In contrast, Hui Xin 'an (Selected Edition) received 50,000 less compensation for children's critical illness insurance.
From the insured's point of view, it is better to get more compensation, and Huixin 'an (selected version) children's critical illness insurance has no advantage.
2. Is Hui Xin 'an (Selected Edition) Children's Critical Illness Insurance Worth Starting with?
All in all, Huixin 'an (Selected Edition) children's critical illness insurance has added special illness and death protection in addition to these basic protection, and the protection content is undoubtedly good.
The waiting period of Huixin 'an (Selected Edition) children's critical illness insurance is too long, and it can't be directly guaranteed faster. Moreover, the compensation of China's disease insurance is just average, and the cost performance is not high.
Please listen to your senior sister's advice. Parents who want to configure Huixin 'an (Selected Edition) children's critical illness insurance for their children, I hope you must carefully consider it and compare it with other companies before deciding whether to start.
Don't be discouraged if you don't believe in Lai Hui Xin 'an (Selected Edition) children's critical illness insurance. Senior sister found critical illness insurance for children with higher sex price. See the following:
Ten cost-effective strategies for children's critical illness insurance!
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