Many friends asked senior whether this product meets our needs. So the senior quickly evaluated this product.
Before the evaluation, let's compare Huixin 'an (Selected Edition) children's critical illness insurance with other children's critical illness insurance products on the market:
The difference between Hui Xin 'an (selected edition) and popular 136 children's critical illness insurance
1. What are the advantages and disadvantages of Huixin 'an (Selected Edition) children's critical illness insurance?
What do you want to say, first look at the evaluation chart:
Judging from the evaluation chart, it can be seen that the insurance age of Huixin 'an (selected version) children's critical illness insurance is 0- 17 years old. It also has a waiting period of 180 days and a lifetime guarantee period.
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
The payment period of Huixin 'an (Selected Edition) children's critical illness insurance consists of one-time payment or three-fifths/10/20/30 years. You can flexibly choose the payment period that suits you.
However, in the market, there are some problems in setting the payment period of many children's critical illness insurance at present, and there are only one or two choices.
In contrast, Huixian 'an (Selected Edition) children's critical illness insurance can meet the compensation needs of many people, which is commendable.
At this time, some friends may have questions, how to choose the most effective payment period? You can poke below to find out what you want to know:
How to choose the payment period so as not to frustrate yourself?
& 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%.
For example, Xiao Li bought Huixin 'an (selected version) children's critical illness insurance for her daughter, with a coverage of 500,000. If his daughter suffers from a special disease contained in the contract, the insurance company will pay 6,543,800 yuan, which means that the amount of compensation obtained is twice the insured amount.
Hui Xin 'an (Selected Edition) has received a good response in the market in terms of the proportion of compensation for 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 there is no way to choose freely.
As we all know, life-long critical illness insurance charges are different from other products, and its premium will be a little more expensive. For those families with insufficient budget, regular critical illness insurance products are more suitable.
Huixin 'an (Selected Edition) children's critical illness insurance only provides lifelong choices and is not very friendly to families with great economic pressure.
& gt& gt The waiting time is too long.
As we all know, the insurance company will not be liable for claims for insurance accidents that occur during the waiting period.
For the insured, the shorter the waiting period, the better.
The waiting period of 90 days is the general waiting period of excellent critical illness insurance on the market at present, but the waiting period of Huixin 'an (selected version) children's critical illness insurance is 180 days, which is twice as long as other critical illness insurance products.
After comparison, the children's critical illness insurance of Hui Xin 'an (selected version) is not so good.
& gt& gt The proportion of compensation for chronic diseases is too low.
Huixin 'an (Selected Edition) Children's Critical Illness Insurance China's disease compensation ratio is low, and only 50% of it can be guaranteed. As far as critical illness insurance products are concerned, at present, the proportion of compensation for most diseases in China is 60%, and Huixin 'an (Selected Edition) is less than other critical illness insurance products 10%.
If the insured is unfortunately diagnosed with China's disease during the protection period, he can only get a compensation amount of 250,000 yuan; If the critical illness insurance products that Xiao Li bought for her daughter provide 60% protection for the middle illness, then she can get 300,000 yuan from the insurance company if she suffers from the middle illness.
As can be seen from the above comparison, Huixin 'an (Selected Edition) children's critical illness insurance lost 50,000 less than other products.
The more compensation you get, the better for the insured. Huixin 'an (Selected Edition) children's critical illness insurance is very backward.
2. Is Hui Xin 'an (Selected Edition) Children's Critical Illness Insurance Worth Starting with?
In a word, Huixin 'an (Selected Edition) children's critical illness insurance is not only the most basic protection, but also the protection of special diseases and death, and the protection content is more comprehensive.
However, the waiting date of Huixin 'an (Selected Edition) children's critical illness insurance is really long, and it can't be guaranteed in time, and the payment of middle illness insurance is just general. In addition, the cost performance is not high.
Senior sister suggested that elders who want to equip their children with Huixin 'an (selected version) children's critical illness insurance must carefully consider whether to start this product, and it is best to make a comparison before making a decision.
Don't be discouraged if you don't like Huixin 'an (Selected Edition) children's critical illness insurance. There are several kinds of children's critical illness insurance with high cost performance, which have been found by senior students. Interested in taking a look:
Ten super cost-effective critical illness insurance for children
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