Is that worth buying? Come and have a look ~
At the beginning of the evaluation, let's make a comparison between Huixin 'an (selected version) children's critical illness insurance and other children's critical illness insurance products on the market: Huixin 'an (selected version) children's critical illness insurance and 136 children's critical illness insurance.
1. What are the advantages and disadvantages of Huixin 'an (Selected Edition) children's critical illness insurance?
Not much to say, look at the evaluation chart first:
As can be seen from the evaluation chart, we can simply see that Huixin 'an (Selected Edition) children's critical illness insurance is insured at the age of 0- 17, with lifelong protection and the waiting period of 180 days.
In the following, senior sister will analyze the advantages and disadvantages of Huixin 'an (selected version) children's critical illness insurance with you:
1, Advantages of Huixian (Selected Edition) Children's Critical Illness Insurance:
& gt& gt Flexible payment period
Hui Xin 'an (Selected Edition) has many options for children's critical illness insurance, such as wholesale payment and 3/5/ 10/20/30-year payment. Everyone can choose the payment period that suits them according to their actual situation.
There are also many children's critical illness insurance in the market, and the payment period is relatively limited, with only one or two options.
In contrast, Huixin 'an (Selected Edition) children's critical illness insurance is relatively good, it can meet the payment needs of many people, and in this respect, it has advantages.
& gt& gt High proportion of extra compensation
* * * Hui Xin 'an (Selected Edition) Children's Critical Illness Insurance Special Disease Protection covers a total of 16 diseases, and can get 100% coverage.
For example, Xiao Li has insured her daughter with a 500,000 insured amount of Huixin 'an (selected version) children's critical illness insurance. If his daughter is diagnosed with a special disease but it is within the scope agreed in the contract, the insurance company will pay 6,543,800 yuan, equivalent to double indemnity.
Hui Xin 'an (Selected Edition) Children's Critical Illness Insurance Special Disease Protection The payment ratio of this product is still very popular 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 has only one choice, that is, the lifetime guarantee period, which cannot be chosen at will.
Everyone knows that the premium of critical illness insurance for life-long protection is naturally higher than other products. Compared with those families who control their expenses, you can look at the critical illness insurance products with regular coverage.
Huixin 'an (Selected Edition) children's critical illness insurance only provides lifelong choices, and does not fully consider families with insufficient economic conditions.
& gt& gt The waiting time is too long.
As we all know, the insurance company will not pay during the waiting period.
For the insured, the shorter the waiting period, the better.
Nowadays, the waiting period of excellent critical illness insurance products on the market is no more than 90 days, but no one would have thought that the waiting period of Huixin 'an (selected version) children's critical illness insurance is as long as 180 days, which is twice as long as other critical illness insurance products.
After comparison, Huixian's (Selected Edition) children's critical illness insurance is not so good.
& gt& gt The proportion of compensation for chronic diseases is too low.
Hui Xin 'an (Selected Edition) children's critical illness insurance payment ratio is really poor compared with other insurance products. Among them, the proportion of disease payment is only 50%. For products such as critical illness insurance, the payment ratio is basically designed to be 60%, but Huixin 'an (selected version) children's critical illness insurance is less than other critical illness insurance products 10%.
For example, Xiao Li provided her daughter with Huixin 'an (Selected Edition) critical illness insurance for children, with a coverage of 500,000, indicating that she was unfortunately diagnosed with China's disease during the insurance period and could only get 250,000 compensation; If Xiao Li buys a critical illness insurance product for her daughter, the compensation ratio for China's disease is 60% of the insured amount. If the doctor diagnosed China's disease, she can get 300,000 yuan.
In contrast, Hui Xin 'an (Selected Edition) received 50,000 less compensation for children's critical illness insurance.
The insured's demand for the amount of compensation must be as much as possible. Huixin 'an (Selected Edition) children's critical illness insurance is not bright.
Speaking of which, are these the problems of Hui Xin 'an (Selected Edition) children's critical illness insurance? In this case, you are too gullible and there is not enough space. The seniors will not list them one by one. If you have friends who want to know, you should have a thorough expert evaluation. Let's take a look at the new upgrade of Harmony, Health and Huixin 'an (Selected Edition). These routines should be clarified!
Second, Hui Xin 'an (Selected Edition) Is the critical illness insurance for children worth starting?
In a word, Hui Xin 'an (Selected Edition) children's critical illness insurance has not only increased the protection of special diseases and death, but also removed a basic protection, and the protection content seems to be very complete.
However, this is not very good. Hui Xin 'an (Selected Edition) has a long waiting period for children's critical illness insurance, which really can't be guaranteed in time, and the payment of China's disease insurance is the same. So what is the price/performance ratio? Not very tall.
Sister Xue still gives you a suggestion. If you want to give your child Amway Peace of Mind (Selected Edition) critical illness insurance for children, you must think carefully and look at other products before deciding whether to buy this product. Senior sister found that children's critical illness insurance with high sex price. Let's take a look: the top ten children's critical illness insurance with high cost performance.
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