1. Who can buy Bumblebee No.3 critical illness insurance? Look at the insurance rules of this critical illness insurance first:
Insurance age:? 28 days-17 years old
Warranty period:? Guaranteed for 30 years/life
Payment term:? 5/ 10/20/30 years payment
Waiting period:? 180 days
The payment period of this product is flexible, and the maximum insurable amount is 600,000.
Let's take a look at its guarantee content.
2. What is the coverage of Bumblebee 3 critical illness insurance? After reading the insurance rules, let's take a look at the specific protection content:
Basic responsibilities:
1 10 Various critical illness insurance:? Compensation 100% of the insured amount;
Extra payment for serious illness:?
30 years, 50% of the insured amount will be paid in the previous 10 year;
Lifelong guarantee, with an additional 50% coverage in the first 20 years;
Insurance premium for 25 China diseases:? Pay up to 2 times, paying 50% and 60% of the insured amount in turn;
Insurance premium for 50 kinds of mild diseases:? Pay up to 3 times, and pay 30%, 35% and 40% of the insured amount in turn;
20 children-specific diseases:? Pay 120% of the insured amount to 20 years old;
Insurance premium exemption: Diagnosis of mild/moderate diseases is exempt from unpaid premiums.
Death insurance: Pay cash value
Value-added services:? Green pass for serious illness
Optional responsibilities:
Repeated payment for serious illness:? 1 10 All kinds of serious diseases were divided into 6 groups, with 2 extra compensations, with each coverage of 100% and the interval of 1 year;
Insurance exemption:? The insured suffers from a specific disease, serious illness or death, and is exempt from paying the premium (the occupational limit of the insured is 1-4).
In addition, when the insurance expires, Bumblebee 3 can insure other products without health notification, as follows:
If the insured's age+insurance period is less than or equal to 40, and no compensation occurs at the expiration of the insurance period, after the approval of the company, other forms of long-term critical illness insurance without health notification and waiting period can be applied.
Bao Bei, a seriously ill child with high performance-to-price ratio evaluated by Shen Lanjun before, also has this right, and the specific rules are the same.
Overall, the coverage of Bumblebee 3 is not bad. Before 10~20 years, you can pay an extra 50% of the insured amount, and special diseases can also pay an extra 120% of the insured amount, which is enough for the protection of children.
Let's take a look at its cost performance.
Third, the comparison between Bumblebee No.3 and periodic critical illness insurance If the budget is limited, you can first consider choosing to protect it for 30 years. Shen Lanjun chose several popular and cost-effective children's regular critical illness insurance for comparison:
Image source: Deep Blue Treasure
Note: As of the time of reply, Bumblebee 3 has not been officially launched. For more information, please refer to the online version.
Draw a direct conclusion:
At present, children have regular critical illness insurance with comprehensive protection and high cost performance. Mummy Bao Bei is very similar to Bumblebee 3 in protection. Here, Shen Lanjun focuses on the following differences:
Critical illness protection: Bumblebee 3 can pay extra 50% of the critical illness before 10 (it was guaranteed for 30 years at that time), which Mommy Bao Bei did not have, but the multiple compensation for critical illness attached by Mommy Bao Bei is not grouped. Bumblebee 3 was divided into 6 groups.
Special disease protection: Bumblebee 3 special disease compensation is limited to before the age of 20; Bao Bei's mother has no age limit.
Regarding the specific disease protection of the two, Shen Lanjun also made a detailed horizontal comparison, as follows:
Image source: Deep Blue Treasure
It can be seen that in the protection of children's special diseases, Mommy Baby is the most comprehensive, covering the vast majority of children with high incidence and serious diseases. People with these serious diseases can get double indemnity. Bumblebee 3' s protection is not bad, and it can get 2.2 times compensation for some children's specific diseases.
Death compensation:? When Bumblebee 3 died, she paid the cash value, and when Mommy Bao Bei died, she paid the premium.
Premium:? The price of Bumblebee 3 is about 3% cheaper than Mommy Baby.
Summary: Bumblebee 3 10 years ago, the serious illness was compensated by 50% extra, and the price was cheap. Mommy Bao Bei is better in special disease protection and death compensation, and the price is not expensive. You can choose according to your own needs and preferences.
Four. Comparison between Bumblebee 3 and Long-term Critical Illness Insurance If the budget is sufficient, we can consider a longer guarantee period. Let's take a look at the comparison of the following long-term critical illness insurance:
Image source: Deep Blue Treasure
Draw a direct conclusion:
If you live to be 70 years old: Kanghuibao Ultimate Edition and Ruihua Kangruibao are worthy of consideration, with high cost performance.
If life is guaranteed: consider Darwin 2 and Hetai Super Mary 2020. Their prices are very competitive. Darwin 2 can pay an extra 250 thousand before the age of 60, which is very suitable for friends who value high insurance coverage.
If we pay more attention to protecting childhood, you can consider Bumblebee 3 and Mami· Bao Bei. These two products have more comprehensive protection for children's special diseases and high overall cost performance.
Based on the above comparison, Bumblebee 3 is more cost-effective under the condition of 30-year warranty. This product is expected to go online at 65438+ on February 19. At that time, Deep Blue Jun will make a more detailed evaluation and release it in official website as soon as possible, so please pay attention.
If you want to know more about the insurance science and product evaluation of children's critical illness insurance, please visit official website Deep Blue Insurance.