Before the evaluation, you can take a look at this popular minor critical illness insurance comparison table to understand the difference between Huixin 'an children's critical illness insurance (selected version) and children's critical illness insurance products.
136 national comparison table of universal critical illness insurance for minors
First, Hui Xin 'an Children's Critical Illness Insurance (Selected Edition) guarantees the contents of big secrets.
Without further ado, let's study the nature of this insurance:
As can be seen from the protection map, this insurance protection is rich in content and the insurance conditions are relatively loose! The following seniors will give friends a serious analysis:
1, flexible insurance conditions
Hui Xin 'an (Selected Edition) can be insured from the 28th day of birth to the age of 17, which is a qualified critical illness insurance for children.
Huixin 'an Children's Critical Illness Insurance (Selected Edition) has a flexible guarantee period. For its protection, you can choose lifelong protection, 30 years or until you are 70 or 80 years old. In terms of security, it provides a variety of security periods, which can meet the needs of different groups of people and is quite humanized.
At the same time, the payment period can also be flexibly selected, up to 30 years. As we all know, the longer the payment period, the easier it is to trigger the exemption clause, which simply outweighs the disadvantages for consumers.
2, children's special diseases to ensure warm heart
Hui Xin 'an (Selected Edition), as a critical illness insurance for children, provides additional compensation for 16 special diseases of children. It is agreed that if this 16 disease is found during the insurance period, the insurance coverage ratio of additional compensation will be 100% on the basis of serious illness compensation.
As we all know, children's special diseases will endanger the lives of teenagers, and the cost of treatment for these diseases is also an astronomical figure. However, we are full of confidence in these families' fight against diseases for the protection of children's special diseases provided by Huixin 'an Children's Critical Illness Insurance (Selected Edition)!
The protection of death is thoughtful enough.
The death responsibility of Huixin 'an Children's Critical Illness Insurance (Selected Edition) is also one of the advantages! If he dies before 18 years old, he will pay twice the premium paid; 100% of the basic insured amount if he dies after 0/8 years old.
It should be understood that many critical illness insurances in the market say that if you die before 18 years old, you can pay 1 times the paid premium. In contrast, Huixin 'an Children's Critical Illness Insurance (Selected Edition) is undoubtedly better. This kind of critical illness insurance is really for customers' consideration, which can let consumers see the intimacy of this product.
Second, Huixin 'an Children's Critical Illness Insurance (Selected Edition) These small defects are regrettable.
Of course, insurance is flawed, and even Huixin 'an Children's Critical Illness Insurance (Selected Edition) is inevitably flawed!
A long waiting period
Huixin 'an Children's Critical Illness Insurance (Selected Edition) is equipped with a waiting period of 180 days, which is really a long waiting period! The longer the waiting period, the later everyone will be guaranteed, and the greater the probability of danger during the waiting period.
Moreover, most of the critical illness insurance products on the market now set the waiting period to 90 days. In contrast, the guarantee period of Huixin 'an Children's Critical Illness Insurance (Selected Edition) is not good enough!
However, insurance companies do this to control the claim rate. After all, insurance companies have to make money. And this setting can also prevent the occurrence of insurance fraud, so that the interests of healthy people will not be lost!
So what if the baby is unfortunately in danger during the waiting period? Senior sister made a targeted insurance strategy. The following article can solve Ma Bao's doubts:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
On the whole, although Huixin 'an Children's Critical Illness Insurance (Selected Edition) has comprehensive protection, it also has the disadvantage of long waiting period, which is also good on the whole, but I suggest you compare other children's critical illness insurance on the market and make a better choice.
Senior, here is an excellent critical illness insurance for children. I recommend you to have a look!
"Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders! 》
Write it at the end
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