Many friends came to ask their senior sister for advice. Is this product worth buying? Therefore, Xue Jie soon conducted a more in-depth study of this product.
Before the evaluation, we first use a table to list the comparison between Huixin 'an (selected version) children's critical illness insurance and other children's critical illness insurance products on the market:
Hui Xin 'an (Selected Edition) PK Hot 136 Children's Critical Illness Insurance
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:
A simple analysis of the above evaluation chart shows that all minor children aged 0- 17 can choose to take out Huixin 'an (selected version) children's critical illness insurance, and after a waiting period of 180 days, they can get a lifetime guarantee period.
Next, Senior Sister will show us the advantages and disadvantages of Huixin 'an (Selected Edition) critical illness insurance for children:
1, Advantages of Huixian (Selected Edition) Children's Critical Illness Insurance:
& gt& gt Flexible payment period
There are many options for the payment period of Huixian 'an (Selected Edition) children's critical illness insurance, such as wholesale payment and 3/5/ 10/20/30-year payment. Everyone can choose the payment period that suits them according to their actual situation.
There are also many children's critical illness insurance in the market, and the payment period is relatively limited, with only one or two options.
Therefore, in contrast, Huixin 'an (Selected Edition) children's critical illness insurance is very good, which can meet the payment needs of many people and is worthy of recognition.
At this time, some friends may ask, how do we choose the most suitable payment period? You might as well read the following article, which I believe will definitely answer your questions:
How to choose the payment period so as not to stumble?
& gt& gt High proportion of extra compensation
* * * Huixin 'an (Selected Edition) children's critical illness insurance covers a total of 16 diseases, and you can get an extra payment of 100% of the insured amount.
For example, the Hui Xin 'an (Selected Edition) children's critical illness insurance that Xiao Li bought for her daughter is 500,000 yuan, and her daughter unfortunately suffers from the special diseases involved in the contract, so the insurance company will pay Xiao Li's daughter 6,543,800 yuan, equivalent to double indemnity.
Hui Xin 'an (Selected Edition) has achieved this level of compensation for children's critical illness insurance and special disease protection, and it is still very popular in the market.
2. The shortcomings of Hui Xin 'an (Selected Edition) children's critical illness insurance:
& gt& gt The guarantee period cannot be flexibly selected.
Life-long guarantee period is the only choice for Huixin 'an (Selected Edition) children's critical illness insurance, and you can't choose it arbitrarily.
As we all know, critical illness insurance products are guaranteed for life, so the premium will be higher. Regular critical illness insurance products will be a better choice than those families who control their expenses.
However, Hui Xin 'an (Selected Edition) is the only choice for children's critical illness insurance, which is not very friendly to families with limited budgets.
& gt& gt The waiting time is too long.
As we all know, it is unacceptable for the insured to claim compensation from the insurance company because of his unfortunate accident during the waiting period.
As the insured, I certainly don't want to wait too long.
The waiting period of many excellent critical illness insurance on the market will not exceed 90 days. The waiting period of Huixin 'an (Selected Edition) children's critical illness insurance is as long as 180 days, which is twice as long as other critical illness insurance products.
In this way, Hui Xin 'an (Selected Edition) children's critical illness insurance is slightly inferior.
& gt& gt The proportion of compensation for chronic diseases is too low.
If Hui Xin 'an (Selected Edition) children's critical illness insurance is diagnosed, its compensation ratio is only 50%. As far as critical illness insurance products are concerned, most of the children's critical illness insurance on the market currently pays 60%, and the coverage of other critical illness insurance is 65,438+00% more than that of Huiyu Principal (Selected Edition).
For example, Xiao Li has configured Huixin 'an (Selected Edition) children's critical illness insurance with a coverage of 500,000 for her daughter. In the protection, she was unfortunately diagnosed with China's disease, so she can only get 250 thousand compensation; If Xiao Li starts with China's 60% critical illness insurance and is diagnosed as China's disease, he will get 300,000 compensation.
In the above comparison, we can know that the compensation of Huixin 'an (Selected Edition) children's critical illness insurance is within 50,000.
From the insured's point of view, it is better to get more compensation. Huixin 'an (Selected Edition) children's critical illness insurance is somewhat inferior.
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 has added special illness and death protection in addition to these basic protection, and the protection content is undoubtedly good and OK.
The waiting period of Huixin 'an (Selected Edition) children's critical illness insurance is too long to guarantee quickly. Moreover, the payment of disease insurance in China is relatively common, and the cost performance is not high.
Please listen to your sister's advice. Mothers who want to give their children Amway peace of mind (selected version) children's critical illness insurance must carefully consider and compare with other companies before deciding whether to start.
Then, friends think that Huixin 'an (Selected Edition) is not good for children's critical illness insurance, so don't have depressed thoughts. Several better children's critical illness insurance were found by senior sister, and then look down:
Don't miss the top ten critical illness insurance for children with excellent cost performance.
Write it at the end
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