1, lifetime protection is more lasting.
Term insurance is more common in children's critical illness insurance, which brings the advantage that the premium is cheap. However, when the child is old and the contract expires, he will face the problem of choosing other insurance. At this time, the insurance premium is higher, and he needs to spend the waiting period again, and may even have a medical examination. Xinhua Healthy and Carefree Teenager C 1 is a life-long guarantee product. Once insured and guaranteed for life, the insured will not face the above problems.
2. Excellent sense of responsibility during the waiting period
NC 1 If the juvenile is diagnosed with mild illness during the waiting period, the contract will not be terminated, but it will not bear the liability of mild illness insurance, and the contract will continue to be valid. It is difficult for people with abnormal health to get insurance, let alone patients who have been diagnosed with mild illness. The design of Xinhua Healthy and Carefree Youth C 1 allows the insured to continue to enjoy other guarantees such as serious illness. Very humanized design, must be praised!
What's more, during the waiting period, it pays a premium of 1. 1 times, which is obviously higher than the usual premium of 1 times.
3. Full coverage of high incidence and mild symptoms
At present, there is no unified definition of mild illness as a serious illness, so we usually use 1 1 kind of high-risk mild illness to measure the quality of a serious illness insurance. According to the terms of inquiry, Xinhua Healthy and Carefree Teenager C 1 contains 8 kinds of high incidence and mild diseases, and the coverage rate is ideal. Moreover, there are many claims, no grouping, no interval, and the threshold for claims will not be very high.
4. The amount of compensation for serious illness is high.
This product contains 85 kinds of serious diseases. At first glance, it seems that it is not as good as more than 100 kinds of serious diseases on the market, but in fact, the first 25 kinds of serious illness insurance are required by the insurance association, accounting for about 95% of serious illness claims, so its protection is still relatively comprehensive. Moreover, it also sets up specific serious diseases for teenagers, and the compensation amount is as high as 120%. Some specific diseases for teenagers also include some high-risk diseases, and it is more targeted to set up insurance liability alone.
5. Double immunity of the insured.
If the insured is diagnosed with a mild illness or a child-specific disease for the first time before the age of 30, the remaining premium will be exempted and the contract will continue to be valid, which means that the insured enjoys double premium exemption, and the benefits are self-evident.
Disadvantages:
The proportion of minor illness compensation is slightly lower.
The proportion of minor illness compensation of Xinhua Healthy and Carefree Teenager C 1 is only 20%, which is slightly lower than the mainstream products on the market, which may leave room for later upgrade.
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