Many friends privately ask seniors if this product is worth buying. Ever since, the senior immediately evaluated and analyzed this product.
Before the evaluation, let's take a look at the comparison between Huixin 'an (selected version) children's critical illness insurance and other children's critical illness insurance products on the market: "The difference between Huixin 'an (selected version) and 136 domestic children's critical illness insurance"
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:
Through the brief analysis of the above evaluation chart, we can see that the age of serious illness insurance for children in Huixin 'an (selected version) is 0- 17 years old, and after a waiting period of 180 days, they can get lifelong protection.
So, what are the advantages and disadvantages of this product? Please see the following detailed analysis:
1, Advantages of Huixian (Selected Edition) Children's Critical Illness Insurance:
& gt& gt Flexible payment period
Huixian 'an (Selected Edition) children's critical illness insurance has six payment methods: one-time payment and three-fifths/10/20/30 years, so that people can choose the most suitable payment period according to their actual situation, which is more flexible.
However, at present, the payment period of many children's critical illness insurance on the market has certain limitations, and most of them have only one or two choices.
In contrast, Huixin 'an (Selected Edition) children's critical illness insurance can meet the compensation needs of most people, which is very encouraging.
At this time, some friends will want to consult, how to choose the payment period? Friends who are still struggling can read this article, which can help you find the answer you want: "How to choose the payment period so as not to stumble? 》
& gt& gt High proportion of extra compensation
Huixin 'an (Selected Edition) children's critical illness insurance covers 16 diseases, and you can get extra compensation 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 has contracted a special disease, so Xiao Li's daughter will get compensation of 6,543,800 yuan from the insurance company, which means she can get double indemnity.
It can be seen that Huixin 'an (Selected Edition) children's critical illness insurance has made great efforts in the protection of children's special diseases and is very sincere.
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 only covers life, and the options are not flexible.
As we all know, lifelong critical illness insurance will be more expensive.
So for some families, it may be limited by the budget. At this time, regular critical illness insurance products will be a better choice.
However, Huixin 'an (Selected Edition) children's critical illness insurance can only be guaranteed for life, which is not very friendly to families with limited economic conditions.
& gt& gt The waiting time is too long.
As we all know, the insurance company will not be liable for claims for insurance accidents that occur during the waiting period.
Therefore, for the insured, the shorter the waiting period, the sooner they can enjoy the protection, and the better for the insured.
At present, the waiting period of excellent critical illness insurance on the market will not exceed 90 days, but 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! .
In contrast, Hui Xin 'an (Selected Edition) children's critical illness insurance is not so good.
What do you think of the waiting period? Maybe everyone knows about it. But it's okay to forget. The following article will solve the problem for everyone: "What if the insurance company doesn't pay the waiting period?" 》
& gt& gt The proportion of compensation for chronic diseases is too low.
For Huixin 'an (Selected Edition) children's critical illness insurance, the proportion of illness compensation is only 50%. Generally speaking, at present, the proportion of middle illness compensation in critical illness insurance products is basically designed at around 60%. Compared with other critical illness insurance products, Yan Hui Xin 'an (Selected Edition) children's critical illness insurance is free of 65,438+00%.
For example, Xiao Li bought her daughter Huixin 'an (selected version) children's critical illness insurance with a coverage of 500,000. During the protection, his girl was unfortunately diagnosed with China's disease and could only get 250,000 yuan in compensation; If the critical illness insurance product signed by Xiao Li for her daughter is 60% of the insured amount, then she can get 300 thousand compensation from the insurance company if she suffers from this disease.
By comparison, it can be seen that other critical illness insurance products pay 50,000 more than Huixin 'an (selected version) children's critical illness insurance.
For the insured, the more compensation, the better. Huixin 'an (Selected Edition) children's critical illness insurance is not doing very well in this respect.
2. Is Hui Xin 'an (Selected Edition) Children's Critical Illness Insurance Worth Starting with?
In a word, Huixin 'an (Selected Edition) children's critical illness insurance has not only basic protection, but also special illness and death protection, and the protection content is more comprehensive.
It's just that Huixin 'an (Selected Edition) children's critical illness insurance has a long waiting period and can't protect the insured as soon as possible; Moreover, the compensation for China's diseases is also very general. Generally speaking, the cost performance is not high.
Therefore, parents who want to arrange Huixin 'an (Selected Edition) children's critical illness insurance for their children should still consider it clearly, and it is best to shop around before making a decision.
Write it at the end
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