Is the special care fund of Huixin 'an Health Insurance Children's Edition worth attaching? Let's talk about the special allowance first. In this product, if you choose to add special care money, what protection can you get?
Between the ages of 22 and 70, the insurance coverage for serious illness, moderate illness and minor illness has doubled.
It is equivalent to buying two guarantees at the same price between the ages of 22 and 70, which solves the problem of adding insurance when children grow up. To tell the truth, when I first saw this guarantee, I felt very good, and then I thought of a better plan, as follows:
Image source: Deep Blue Treasure
This is a comparison table between the single product scheme and the product combination scheme. We can see that if we make an insurance plan, we can not only get double indemnity, but also have better protection and the price is similar. In this way, scheme 2 is more worthy of consideration.
Option 1: Only when you are 22-70 years old, the insurance coverage for serious illness, moderate illness and mild illness can be doubled, and it will not be doubled before you are 22 years old.
Option 2: With the addition of Kanghuibao Flagship Edition, the amount of insurance for 0 to 70 years old can be doubled, and the guarantee time is longer, and the price is more than 100 yuan.
If the product mix plan is matched with Jiahe critical illness insurance recently launched by Guo Fu Life Insurance, the premium gap will be even smaller. But Jiahe has a restriction: 0-3 years old can only buy 200 thousand.
If you are not subject to this restriction, you can replace the product yourself and calculate the premium yourself. If you want to see the detailed evaluation of Jiahe's critical illness insurance products, you can find it in official website Deep Blue Insurance.
Some friends may be curious, another additional guarantee: what is the cost performance of the second payment for cancer?
After careful comparison, Shen Lanjun found that the protection after adding this protection is not as high as Jiahebao, Super Mary 2020 max and Kanghuibao 2020, which can be ignored.
Hui Xin 'an Health Insurance Children's Edition Basic Guarantee After talking about the additional guarantee cost performance, how about we go back to the basic guarantee of this product itself?
Huixin' an Health Insurance Children's Edition has a maximum coverage of 800,000. Because the insurance is very similar to bumblebee 3, let's take a look at it by the way:
Image source: Deep Blue Treasure
As can be seen from this table, the critical illness insurance of Bumblebee No.3 will be better, with 50% more compensation for critical illness in the first 20 years.
The detailed product evaluation of Bumblebee 3 can be found in official website and Shenzhen.
These two products are actually good, just choose according to your own needs. For more evaluation and scheme matching of children's insurance, please visit the column of Deep Blue Insurance and Children's Insurance to see more articles.