Many friends came to ask Senior Sister if this product was worth buying, so Senior Sister paid close attention to the evaluation of this product.
Before the evaluation, it is necessary to know the difference 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 136 Cross-reference Table of Critical Illness Insurance for Chinese Children
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 figure, Huixin 'an (Selected Edition) children's critical illness insurance is insured at the age of 0- 17, with a lifetime guarantee period and a waiting period of 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
When choosing the payment period of Huixin 'an (Selected Edition) children's critical illness insurance, batch payment or 3/5/ 10/20/30-year payment is a good choice. You can flexibly choose the payment period that suits you.
However, at present, the children's critical illness insurance on the market has certain limitations in setting the payment period, and only one or two payment periods can be selected.
Therefore, in contrast, Huixin 'an (Selected Edition) children's critical illness insurance is good, it can meet the payment needs of many people, and it has advantages in this respect.
& gt& gt High proportion of extra compensation
Huixin 'an (Selected Edition) children's critical illness insurance covers 16 kinds of special diseases, which can be additionally covered by 100%.
If Xiao Li buys Huixin 'an (Selected Edition) children's critical illness insurance with the insured amount of 500,000 yuan for her daughter, and her daughter suffers from a special disease contained in the contract, then the insurance company will pay 6.5438+0.000 million yuan, which means that the compensation amount obtained is twice the insured amount.
Hui Xin 'an (Selected Edition) children's critical illness insurance is still very good in the market in terms of the proportion of 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 only covers life, and the options are not flexible.
As we all know, critical illness insurance guarantees life and the premium will be higher. For some families with limited budgets, it is a good choice to choose regular critical illness insurance.
Huixin 'an (Selected Edition) children's critical illness insurance only provides lifelong choice, which is a bit difficult for families with insufficient budget to buy.
& gt& gt The waiting time is too long.
As we all know, insurance companies will refuse to pay insurance compensation when they are in danger during the waiting period.
In the view of the insured, the shorter the waiting time, the faster you can enjoy the protection.
At present, the waiting period of excellent critical illness insurance products on the market is 90 days, but for Huixin 'an (selected version) children's critical illness insurance products, its waiting period is 180 days, which is twice as long as other critical illness insurance products.
In contrast, Hui Xin 'an (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 only 50% guaranteed, and most critical illness insurance in the market is generally 60% guaranteed. On the whole, Huixin 'an (Selected Edition) children's critical illness insurance has 65,438+00% less protection than other critical illness insurance products.
During the guarantee period, China's disease was unfortunately diagnosed and only 250,000 yuan was paid; If Xiao Li bought a critical illness insurance for her daughter, China would pay 60% for her illness. Unfortunately, China will get 300,000 yuan for her illness.
In contrast, Hui Xin 'an (Selected Edition) received a full 50,000 less compensation for children's critical illness insurance.
For the insured, of course, the more compensation, the better, while Huixin 'an (selected version) children's critical illness insurance is somewhat inferior.
See here, are these the problems of Huixin 'an (Selected Edition) children's critical illness insurance? Then you are naive, the space is limited, and the seniors can't talk too much. If friends want to get familiar with it, you can refer to the comprehensive test of experts:
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) children's critical illness insurance not only has basic protection, but also special illness and death protection, and the protection content is still good.
However, Huixin 'an (Selected Edition) children's critical illness insurance has a long waiting period and cannot be guaranteed quickly. Moreover, the compensation ratio of China's disease insurance is relatively low, and the cost performance is not high.
Senior sister suggested that parents who want to buy Huixin 'an (selected version) children's critical illness insurance for their children must carefully consider and look at other products before deciding whether to buy this product.
Of course, friends who are not interested in Huixin 'an (Selected Edition) children's critical illness insurance need not be discouraged. Senior sister found several 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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