Many friends came to ask senior sister's opinion whether it is appropriate to buy this product. So the senior quickly evaluated this product.
Before the evaluation, let's first understand the difference between Huixin 'an (selected version) children's critical illness insurance and other children's critical illness insurance products on the market.
Comparison Table of Huixin '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?
Not much to say, look at the evaluation chart first:
As can be seen from the evaluation chart, Huixin 'an (Selected Edition) children's critical illness insurance has a wide age, ranging from 0 to 17. The guarantee period is lifelong, and a waiting period of 180 days is also set.
Below, Xue Jie will take you to understand the advantages and disadvantages of Huixin' an (Selected Edition) children's critical illness insurance:
1, Advantages of Huixian (Selected Edition) Children's Critical Illness Insurance:
& gt& gt Flexible payment period
Huixin 'an (Selected Edition) children's critical illness insurance can be paid in batches or in 3/5/ 10/20/30 years. If you choose the payment period, you can make a choice on the basis of comprehensive consideration of your own situation.
The payment period of children's critical illness insurance has great limitations in the current market, and there are only one or two options.
Therefore, in contrast, Huixin 'an (Selected Edition) children's critical illness insurance is very good, which can meet the compensation needs of many people and is commendable.
At this time, some friends may have questions about how to choose the payment period to maximize its applicability. You can read this article, and the answer is ready for you:
What should I pay attention to when choosing the payment period so as not to fall into a disadvantage? 》
& gt& gt High proportion of extra compensation
Huixin 'an (Selected Edition) Children's Critical Illness Insurance covers 16 kinds of diseases, and the extra compensation ratio is 100% of the insured amount.
For example, Xiao Li bought Huixin 'an (selected version) children's critical illness insurance for her daughter, 500,000. If his daughter suffers from a special disease contained in the contract, the insurance company will pay 654.38+00,000 yuan, which means that it can double the payment.
Hui Xin 'an (Selected Edition) Children's Critical Illness Insurance Special Disease Protection The payment ratio of this product 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.
Hui Xin 'an (Selected Edition) children's critical illness insurance can only be guaranteed for life, and can't be chosen at will.
Everyone knows that the premium of life-long critical illness insurance products will definitely be higher than others. For families with cost restrictions, regular critical illness insurance products are very 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.
I think we all know that the insurance company will not pay during the waiting period.
If you are the insured, you definitely want the waiting period to be as short as possible.
At present, the waiting period of excellent critical illness insurance products on the market is no more than 90 days, but the waiting period of Huixin 'an (selected version) children's critical illness insurance is 180 days, which is twice that of other critical illness insurance products.
After comparison, Huixian's (Selected Edition) children's critical illness insurance is not so good.
& 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% of the insured amount. For products such as critical illness insurance, the payment ratio is basically designed to be 60% of the insured amount. Compared with other critical illness insurance products, the coverage of Huixin 'an (Selected Edition) children's critical illness insurance is 65,438+00% less.
For example, Xiao Li has configured Huixin 'an (Selected Edition) critical illness insurance with a coverage of 500,000 for her child. If she is diagnosed with a middle illness within the protection period, she can only get a compensation of 250,000: if the proportion of the middle illness insurance products signed by Xiao Li for her daughter is 60%, then the hospital will get 300,000 insurance money after she is diagnosed with a middle illness.
Hui Xin 'an (Selected Edition) Children's Critical Illness Insurance paid 50,000 less than other products in this case.
The more compensation you get, the better for the insured. Huixin 'an (Selected Edition) Children's Critical Illness Insurance is not comparable here.
Second, Hui Xin 'an (Selected Edition) Is the critical illness insurance for children worth starting?
In short, Huixin 'an (Selected Edition) children's critical illness insurance has not only the most basic protection, but also the protection of special diseases and death. The protection content is good and comprehensive.
The waiting period of Huixin 'an (Selected Edition) children's critical illness insurance is too long to be guaranteed as soon as possible. In addition, China people's compensation for disease protection is relatively general, which is not only inferior, but also low in cost performance.
Senior sister suggested that parents who want to buy Huixin 'an (selected version) children's critical illness insurance for their children must think carefully, carefully select products and decide whether to buy them.
Naturally, don't be disappointed with friends who don't like Huixian's (Selected Edition) children's critical illness insurance. Senior sister has found several critical illness insurances with high cost performance, and they are for children. Have a look at it sometime:
"Don't miss the Top Ten Critical Illness Insurance Strategies for Super-expensive Children"
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