Many friends take the words of senior sister as their own suggestions, whether the use of this product will be needed by us. Therefore, Senior Sister made further research on this product.
Before the evaluation, we can be familiar with what insurance such as critical illness insurance generally covers:
"Good critical illness insurance long like this! You have been cheated for so many years ... "
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 above figure, Huixin 'an (Selected Edition) children's critical illness insurance has an age of 0- 17, a lifetime guarantee period and a 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) provides a variety of options for the payment period of children's critical illness insurance. You can pay the premium in one lump sum or choose to pay it in 3/5/ 10/20/30 years. With these options, people can choose the most suitable payment period according to their actual situation, which is very good.
& gt& gt High proportion of extra compensation
Huixin 'an (Selected Edition) Children's Critical Illness Insurance covers 16 special diseases. One of them can get 100% coverage if he is diagnosed and meets the claim conditions.
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 the daughter suffers from a special disease contained in the contract and meets the claim conditions, then Xiao Li's daughter will receive 6.5438+0 million compensation from the insurance company.
Hui Xin 'an (Selected Edition) is still very popular in the market for this proportion of compensation for children's critical illness insurance and special disease protection.
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 can only be guaranteed for life, but not flexibly.
Other premises being the same, the life-long critical illness insurance premium will be a little more expensive than the regular one. Compared with those families who control their expenses, you can look at the critical illness insurance products that are regularly guaranteed.
Huixin 'an (Selected Edition) children's critical illness insurance only has the option of lifelong protection, and does not fully consider families with insufficient economic conditions.
& gt& gt The waiting time is too long.
Obviously, if there is an insurance agreed payment event during the waiting period, the insurance company cannot get compensation.
As the insured, I certainly don't want to wait too long.
The waiting period of 90 days is a common time for excellent critical illness insurance in today's market, while the waiting period for children's critical illness insurance is 180 days, which is twice that of other critical illness insurance products.
There is no harm without comparison, so it is not bright to see Huixin 'an (selected version) children's critical illness insurance.
& gt& gt The proportion of compensation for chronic diseases is too low.
Compared with other insurance products, the proportion of children's critical illness insurance in Huixin 'an (selected version) is really poor, and the proportion of critical illness insurance is only 50%. At present, most of the critical illness insurance products on the market are covered by 60%, and the coverage of other critical illness insurance is more 10% than that of Huiyu Principal (selected version) children's critical illness insurance.
Similarly, if you buy 500,000 insurance coverage, if you are insured with the selected critical illness insurance of Harmony and Health Huixin' an, you will only get 250,000 compensation if you are diagnosed with a middle disease during the insurance period; Suppose Xiao Li has prepared a critical illness insurance product with 60% coverage for China's disease for her daughter. If she has China's disease, she can get 300,000 yuan from the insurance company.
In the above comparison, we can know that Huixin 'an (Selected Edition) children's critical illness insurance pays less than 50,000.
From the perspective of the insured, it is best to get more compensation. In this regard, Huixin 'an (Selected Edition) children's critical illness insurance has a mediocre performance.
After analyzing these, I think that the shortcomings of Huixin 'an (Selected Edition) children's critical illness insurance are also in these aspects. Then you are naive, the space is not enough, and the seniors are not comprehensive. If a friend comes to study, the comprehensive evaluation of experts may wish to refer to:
"Harmony, Health and Hui Xin 'an (Selected Edition)" has been completely upgraded, and these routines should be clarified! 》
Second, Hui Xin 'an (Selected Edition) Is the critical illness insurance for children worth starting?
In short, Huixin 'an (Selected Edition) children's critical illness insurance excludes the most basic protection, and also increases the protection of special diseases and death, and the protection content is comprehensive as a whole.
Hui Xin 'an (Selected Edition) The waiting date of children's critical illness insurance is really long, and it can't be directly guaranteed faster. And China's medical insurance payment is just like that. So what is the price/performance ratio? Not very tall.
Sister Xue is here to give you some advice. Parents who want to configure Huixin 'an (Selected Edition) children's critical illness insurance should be especially cautious. May wish to compare and choose other products, and finally choose a better product.
Senior sister found several kinds of children's critical illness insurance, which is very cost-effective. Let's see:
"Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders! 》
Write it at the end
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