So the seniors are here today to fulfill everyone's wishes. If friends are interested in other critical illness insurance, please read this one first:
"Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders! 》
First, harmony and health Huixin' an children's critical illness insurance What disease?
To tell the truth, your friends are so concerned about which diseases are covered by critical illness insurance, but they are worried that the types of diseases covered are incomplete. For example, if you accidentally get a disease, it just happens that the insurance company doesn't cover it.
However, the actual situation is that there are 28 kinds of high-incidence and serious diseases, which account for more than 95% of claims for serious illness. They have long been compulsory diseases in critical illness insurance and are stipulated by the state, as shown in the following figure:
Equivalent to the protection of these 28 kinds of high and critical diseases, all the critical illness insurance in the market can be enjoyed, and the coverage content is still very comprehensive.
There are many diseases protected by Huixin 'an Children's Critical Illness Insurance. Severe diseases 108, 45 mild diseases, 25 moderate diseases, covering 28 high and critical diseases. You can rest assured.
Second, how about harmonious and healthy Huixin' an children's critical illness insurance?
As usual, let's take a look at the forms of protection for children's critical illness insurance that are harmonious, healthy and creditable:
Harmony and health Huixin 'an children's critical illness insurance is a lifelong children's critical illness insurance, which can be purchased by people aged 0- 17. The following seniors will introduce this product in detail:
1, flexible payment period
Harmony and health Huixin 'an children's critical illness insurance has a very good place, that is, there are six payment periods, and the payment is 3/5/ 10/20/30 years.
Compared with those children's critical illness insurance with only one or two payment periods, the children's critical illness insurance of Harmony Health and Huixin 'an is flexible and changeable.
As we all know, the longer the payment period, the less the annual premium, and the burden of payment is not as great as expected.
Therefore, there are a variety of payment years, which is convenient for families with different economic conditions to choose the payment period, which is quite humanized.
However, there must be friends who don't know how to choose the payment period. Senior, I suggest you read this article, and you will understand it at a glance:
"How to choose the payment period so as not to lose money? 》
2. There is extra compensation for special diseases of children.
Providing extra compensation for 16 kinds of children's specific diseases is the guarantee content of children's critical illness insurance of Huixin 'an.
Take leukemia in a serious illness:
The incidence of malignant tumor in children is almost 60%, which has become the highest incidence disease at present. There are about10.5 million new children with leukemia every year in China, and the incidence of childhood tumors is increasing at a rate of 2.8% every year.
The cost of leukemia treatment is extremely high, ranging from 200,000 to 800,000.
It would be nice to allocate more compensation for this high-risk disease. Once we are unfortunately suffering from these high-risk diseases, we can get 200% insurance compensation, and it is a one-time payment.
Not only can children be exposed to more advanced medical technology, but the rest of the money can be used to pay for follow-up nutrition, rehabilitation, education and other expenses, which can be trusted.
Harmony and health Huixin 'an children's critical illness insurance seems satisfactory, but there are the following precautions:
Harmony and health Huixin 'an children's critical illness insurance has only one option for life, and there is no other guarantee period to choose from.
Everyone knows that the premium of life-long critical illness insurance will be more expensive, so families with limited budgets may think that the premium is too expensive. On the contrary, regular critical illness insurance is more suitable for them.
Therefore, for families with poor economic conditions, it is necessary to carefully consider whether to start from the guarantee period of children's critical illness insurance with harmonious health and peace of mind.
Of course, parents with a small budget can also learn about other critical illness insurance products. For example, this new version of Mommy Baby has a guarantee period of 20/25/30 years, 70/80 years and a lifetime.
Not only that, but also 20 kinds of special diseases for children, with an extra coverage of 100% and 5 kinds of special diseases for children, with an extra coverage of 200%. Protection is really amazing.
However, this kind of critical illness insurance also has some shortcomings. Senior sister suggests that you know the details before making a decision:
The new Mommy Baby Newborn Edition still has these shortcomings. ...
High-level summary:
Harmony and health Huixin 'an children's critical illness insurance covers a wide range of diseases, and everyone will never lose money if they buy it.
It is a kind of children's critical illness insurance with flexible payment period, and it also includes extra compensation for children's special diseases. It is also excellent, but its guarantee period is only for life, which everyone needs to pay attention to.
Senior sister's suggestion is that when parents and friends buy critical illness insurance for their children, they can learn more about the overall performance of different products and make choices according to their actual situation.
Write it at the end
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