Many friends asked me if it was appropriate for my senior to buy this product. Then the senior quickly analyzed this product.
Before the evaluation begins, let's make a comparison between Huixin 'an (selected version) children's critical illness insurance and other children's critical illness insurance products on the market:
Huixin 'an (Selected Edition) and 136 Domestic Children's 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:
It can be clearly seen from the evaluation chart that the age of Huixin 'an (Selected Edition) children's critical illness insurance is between 0- 17 years old, the guarantee period is life, and the waiting period is 180 days.
Next, the senior sister will analyze the advantages and disadvantages of Huixin' an (selected version) children's critical illness insurance:
1, Advantages of Huixian (Selected Edition) Children's Critical Illness Insurance:
& gt& gt Flexible payment period
Hui Xin 'an (Selected Edition) children's critical illness insurance can be paid in batches or in 3/5/ 10/20/30 years. Everyone can choose the payment period that suits them according to their actual situation.
However, for the children's critical illness insurance currently on the market, there are certain limitations in setting the payment period, and some have only one or two choices.
In contrast, Huixin 'an (Selected Edition) children's critical illness insurance is much better, because it can meet the compensation needs of most people, which is worthy of recognition.
At this time, many friends will inevitably have some questions. How to choose the payment period is the most practical. You can learn more through this article. I believe I can answer your question:
How to choose the payment period so as not to lose money?
& gt& gt High proportion of extra compensation
Huixin 'an (Selected Edition) children's critical illness insurance covers 16 kinds of diseases, and the compensation ratio can reach 100%.
If Xiao Li bought Hui Xin 'an (Selected Edition) children's critical illness insurance for her daughter is 500,000 yuan, and her daughter unfortunately suffers from special diseases involved in the contract, then the insurance company will provide 6,543,800 yuan, which means that she can get double indemnity.
Hui Xin 'an (Selected Edition) is still very good in the market in terms of the proportion of children's critical illness insurance.
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, and the ordinary version is not provided.
Everyone knows that critical illness insurance products are guaranteed for life, so the premium will be higher. For some families, it may be limited by budget. It would be a better choice to guarantee regular critical illness insurance products.
Huixin 'an (Selected Edition) has only one option for the protection period of children's critical illness insurance, which is not very good for families with insufficient economic ability.
& gt& gt The waiting time is too long.
Almost everyone knows that the insurance company will not pay during the waiting period.
From the standpoint of the insured, the shorter the waiting time, the better.
At present, the waiting period of critical illness insurance products on the market is 90 days, but the waiting period of Huixin 'an (selected version) children's critical illness insurance is as long as 180 days, which is really more than other critical illness insurance products 1 times.
After comparison, Huixian's (Selected Edition) children's critical illness insurance is not so good.
& gt& gt The proportion of compensation for chronic diseases is too low.
Hui Xin 'an (Selected Edition) children's critical illness insurance is really not high, only 50% guarantee. At present, most critical illness insurance products on the market are 60% guaranteed, which is less than other critical illness insurance products 10%.
Assuming that the patient is unfortunately diagnosed with a middle disease during the guarantee period, the insured product can only get a compensation amount of 250,000 yuan. If Xiao Li buys her daughter a critical illness insurance product with a compensation ratio of 60% of the insured amount, she will get a compensation of 300,000 yuan after suffering from a Chinese disease.
In contrast, Hui Xin 'an (Selected Edition) received 50,000 less compensation for children's critical illness insurance.
For compensation, the insured must hope that the higher the better, and Huixin 'an (Selected Edition) children's critical illness insurance will not be bright.
Knowing this, do you think that Huixin 'an (Selected Edition) children's critical illness insurance has only these disadvantages? In this way, you are kept in the dark. Because of the space problem, senior sister won't talk about it. Friends who want to know better take a look at this more detailed professional evaluation:
Harmony, health, Hui Xin 'an (Selected Edition) is a bit fishy, you must know!
Second, Hui Xin 'an (Selected Edition) Is the critical illness insurance for children worth starting?
All in all, Huixin 'an (Selected Edition) not only has the protection for special diseases and death, but also has the basic protection for children's critical illness insurance, and the protection content is comprehensive as a whole.
It's just that Huixin 'an (Selected Edition) has a long waiting period for children's critical illness insurance, so it can't be directly guaranteed faster, and China's medical insurance payment is just so-so. Not only that, but also the cost performance is not high.
Senior sister suggested that mothers who want to give their children Amway peace of mind (selected version) children's critical illness insurance must seriously consider it. It's best to shop around and choose the best.
Write it at the end
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