Harmony and Health recently launched a brand-new upgraded Huixin 'an (Selected Edition) children's critical illness insurance. According to the evidence, it has more types of special disease protection for children, and the protection is more comprehensive.
Many friends came to ask if this product is worth buying, so Senior Sister came to evaluate this product today.
Before starting the evaluation, let's take a look at the comparison between Huixin 'an (Selected Edition) children's critical illness insurance and other children's critical illness insurance products on the market: "Huixin 'an (Selected Edition) and the national popular 136 critical illness insurance comparison table"
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:
By analyzing the evaluation chart, we can see that Huixin 'an (Selected Edition) children's critical illness insurance is between 0- 17 years old, and has a waiting period of 180 days, which is a life-long product.
Next, Senior Sister will show us the advantages and disadvantages of Huixin 'an (Selected Edition) critical illness insurance for children:
1, Advantages of Huixian (Selected Edition) Children's Critical Illness Insurance:
Flexible payment period
Huixin 'an (Selected Edition) has a very flexible payment period for children's critical illness insurance. The main methods are wholesale payment, 3/5/ 10/20/30-year installment payment, etc. You can choose the payment period that suits you according to your actual situation.
At present, many children's critical illness insurance on the market are facing the problem of limited payment period, and generally there are only one or two options.
From this comparison, Huixin 'an (Selected Edition) children's critical illness insurance is quite good, which can meet the payment needs of more people and has advantages in this respect.
A high proportion of extra compensation
Hui Xin 'an (Selected Edition) children's critical illness insurance covers 16 diseases, and can pay 100% of the insured amount.
For example, Xiao Li bought Hui Xin 'an (Selected Edition) children's critical illness insurance for her daughter, with a coverage of 500,000. Unfortunately, her daughter has a special disease, but it is not beyond the scope of the contract. Then 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 good in the market.
2. The shortcomings of Hui Xin 'an (Selected Edition) children's critical illness insurance:
The guarantee period cannot be chosen flexibly.
Hui Xin 'an (Selected Edition) children's critical illness insurance can only be guaranteed for life, and the flexibility is not great.
As we all know, the premium of life-long critical illness insurance products will definitely be higher than others. For families with limited budget, critical illness insurance products with irregular protection will be a better choice.
However, for Hui Xin 'an (selected version) children's critical illness insurance, the guarantee period can only be guaranteed for life, which is not very friendly for families with limited budgets.
The waiting time is too long.
As we all know, if there is an accident during the waiting period, the insurance company will not pay for it. For the insured, the shorter the waiting period, the better.
Those excellent critical illness insurance on the market, the waiting period will not exceed 90 days. The waiting period of Hui Ke Xin 'an (Selected Edition) children's critical illness insurance is 180 days, which is twice that of other critical illness insurance products.
After comparison, Hui Xin 'an (Selected Edition) children's critical illness insurance is very general.
The proportion of compensation for chronic diseases is too low
Hui Xin 'an (Selected Edition) children's critical illness insurance payment ratio is not very high, only 50% guarantee. Among many critical illness insurance products on the market, the proportion of compensation for middle illness is as high as 60%. On the whole, the coverage of Huixin 'an (Selected Edition) children's critical illness insurance is less than other critical illness insurance products 10%.
During the guarantee period, if Chinese medicine is diagnosed, only 250 thousand compensation can be obtained. If Xiao Li buys a critical illness insurance product for her daughter, the proportion of compensation for China's disease is 60% of the insured amount, and the hospital will receive 300,000 insurance money after the diagnosis of China's disease.
In contrast, Hui Xin 'an (Selected Edition) children's critical illness insurance can get a full 50,000 less compensation.
The insured's demand for the amount of compensation must be as much as possible, and Huixin 'an (Selected Edition) children's critical illness insurance is not outstanding.
Space is limited, and I want to know the shortcomings of Huixin 'an (selected version) children's critical illness insurance. Let's take a look at this article: "Hui Xin 'an (Selected Edition) is newly upgraded, and these tricks must be understood. "
Second, Hui Xin 'an (Selected Edition) Is the critical illness insurance for children worth starting?
All in all, Huixin 'an (Selected Edition) children's critical illness insurance not only has basic protection, but also special illness and death protection. The protection content looks very good.
The waiting period of Huixin 'an (Selected Edition) children's critical illness insurance is too long, and the payment of Chinese disease protection is also relatively general, and the cost performance is not high.
Senior sister suggested that parents who want to configure Huixin 'an (Selected Edition) children's critical illness insurance should carefully consider it, and it is best to determine it after comparison.
Want to know more about children's critical illness insurance worth buying, you can read this article: "Ten children's critical illness insurance with super high cost performance, buy it"
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