The following sister will give you an in-depth evaluation!
However, if you want to buy a good insurance product for your child, you must know about insurance, or you won't know if you plant it:
Before buying insurance, you must first understand these key knowledge points! 》
First, harmonious and healthy Huixin' an children's critical illness insurance is cost-effective?
The following is a direct interpretation of the protection map of children's critical illness insurance for harmonious health Huixin' an (selected version):
Harmony and Health Huixin 'an (Selected Edition) Children's Critical Illness Insurance, as a life insurance with single payment, is a very distinctive product, suitable for 0- 17 people, and the protection content is easy to understand. What are the advantages and disadvantages of this product?
1 Advantages, Harmony and Health Huixin 'an (Selected Edition) Children's Critical Illness Insurance
(1) Comprehensive basic guarantee
Harmonious Health Huixin 'an (Selected Edition) has comprehensive basic protection for children's critical illness insurance, covering 108 kinds of serious diseases, 25 kinds of moderate diseases and 45 kinds of minor diseases, and the compensation ratio exceeds the market average, which can basically provide comprehensive protection for children.
(2) Strong compensation ability for special diseases.
Harmonious Health Huixin 'an (Selected Edition) The most prominent feature of children's critical illness insurance is the diagnosis of 16 special diseases, which can pay extra 100% coverage. We can get up to 200% insurance coverage. To put it simply, we can buy 300 thousand insurance coverage and pay 600 thousand. This kind of protection for special diseases is very thoughtful!
2. Key points that should be paid attention to in children's critical illness insurance.
(1) waiting time
The shorter the waiting time, the faster we can get safety. The waiting period of most critical illness insurance in the market is 90 days. You know, if you are seriously ill while waiting, the insurance company will not pay for it. The longer we wait, the higher the risk of our claim.
Many people don't care how long the waiting period is, and think the length is not that important! However, the waiting period is also risky, and many situations will occur, which will lead to many claims disputes. You have to know about the waiting period yourself:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
(2) Secondary compensation for high incidence and special diseases.
The probability of recurrence and metastasis of malignant tumor is very high. Secondary compensation liability is often a clause that cannot be ignored in most critical illness insurance, and the proportion of extra compensation is also set at a high level, which is also to make cancer protection stronger. The children's critical illness insurance of Harmony, Health and Huixin 'an (Selected Edition) can only provide 100% coverage.
If it is 500,000, the premium product can pay more than 750,000, while the children's critical illness insurance of Harmony and Health Huixin 'an (Selected Edition) can only pay 500,000, and the gap is still obvious.
To sum up, the protection level of children's critical illness insurance in Harmonious Health Huixin 'an (Selected Edition) is general, so attention should be paid to the waiting period and the high incidence of special diseases.
Let's take a look at the heaviest child critical illness insurance on the market!
Second, what is worth insuring for children's critical illness insurance?
Senior sister took the time to check a lot of children's critical illness insurance products, and the following three senior sisters want to recommend them to you:
(1) Mommy Baby Newborn Edition
Mommy Baby Newborn Edition is a relatively adequate product in children's critical illness insurance. The basic guarantee is very strong, supporting the protection of mild, moderate and severe diseases. There are many optional responsibilities for you to choose from, and the compensation for special diseases of children set by your baby is also very strong.
It is worth noting that the price of the new version of Mommy Bao Bei is very favorable and the cost performance is super high. And there are six guarantee periods to choose from, so parents will have more room to choose.
(2) Hui Baobao
Huibaobao is a critical illness insurance for children, and its insurance premium is paid to the insured in 5 groups and 5 times. For children suffering from special diseases before the age of 25, the maximum compensation is 120%. When the person is over 40 years old or under 10 years old, suffering from serious illness as agreed in the contract, the insurance company will pay 50% of the insured amount. In all age groups prone to illness, the amount of compensation is very large and the distribution of compensation is also very appropriate.
(3) Take good care of the shell
One of the highlights of true love for Bao Bei is that before the age of 25, you can get 200% compensation for serious illness, which is better than the protection of 99% serious illness insurance products on the market.
Before the age of 25, the child suffered from severe non-leukemia for the first time, every 1 year. When you suffer from leukemia for the first time, you get 0/00% of the basic insurance money/kloc, which is a very good guarantee for leukemia, the king of childhood cancer.
Assuming that the illness is very serious and needs to be treated in the intensive care unit, we can still get 60% insurance coverage, which greatly reduces the burden on our family. In addition, true love of Bao Bei can start with a maximum insured amount of 800,000 yuan, and the payment period of 30 years is the longest, which can meet the needs of people with high insured amount.
For friends who have ideas about true love and parenting, Senior Sister has prepared more comprehensive information for everyone:
"Guohua" really cares for babies "is cost-effective? Tell you in one article! 》
If you are still dissatisfied with the above products, you are welcome to ask your sister for more product information!
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