Before studying this product, I suggest that friends know about other products of critical illness insurance before making a choice:
Comparison chart of national best-selling children's critical illness insurance!
1. How about Wellcome critical illness insurance (sincere children's edition)?
We won't waste time stating them one by one. Look at the picture directly!
As we can see from the figure, Wellcome critical illness insurance (sincere children's edition) has the following advantages:
1. Covering cancer in situ
Since the introduction of the new regulations on critical illness insurance, most critical illness insurance products have chosen not to cover cancer in situ, while Wellcome critical illness insurance (sincere children's edition) is different. To be a little green among thousands of flowers, cancer in situ should be included in the scope of protection.
Although carcinoma in situ is only a very early malignant tumor, it is not a cancer, but it may develop into a real cancer. This product provides protection for the insured in the setting of cancer in situ, and the insured can actively treat it after receiving the compensation, saving tens of thousands of dollars at once, which is still in place.
2. Children-specific severe malignant tumor
Although most people don't know much about malignant tumor, as long as they talk about it, they know that it is a very serious disease, after all, cancer is also included. Malignant tumors are prone to occur and recur, so when buying critical illness insurance, if you are worried about malignant tumors, you should observe what insurance provides protection for malignant tumors.
Wellcome critical illness insurance (sincere children's edition) covers five kinds of children's specific serious malignant tumors. If the child is diagnosed before 18 years old, it will receive additional compensation of 100% of the insured amount.
Senior, it seems that at this level, Wellcome critical illness insurance (sincere children's edition) is still in place, and 200% premium is enough to cope with the treatment cost of malignant tumor.
3. Children's special disease protection
Not only the guarantee of malignant tumor, but also the Wellcome critical illness insurance for children's special diseases (Zhicheng children's edition), which can be said to guarantee the risk of children's susceptibility to diseases.
Wellcome Critical Illness Insurance Zhicheng Children's Edition covers 10 kinds of children's special diseases, and pays 100% coverage, including Kawasaki disease, hand-foot-mouth disease and hydrocephalus.
And Wellcome critical illness insurance (sincere children's edition) still has some defects to pay attention to:
1. The critical illness protection is small.
Wellcome Critical Illness Insurance (Sincere Children's Edition) The 120 critical illnesses of this product are all included in the coverage, and the number of payments is only once, and the coverage of 100% is paid. Compared with some excellent critical illness insurance, such protection is simply too weak.
Why do you say that? Senior to calculate an account for everyone:
Assuming that Lao Wang has a good critical illness insurance, he can get 80% extra compensation for his first serious illness before he is 60 years old. If he is unfortunately seriously ill before the age of 60, he can get 180% extra compensation. If the old Wang Mai insured 500,000 yuan, he could get at least 900,000 yuan according to the extra 80%.
2. Insufficient protection for mild and moderate diseases.
Seeing the infographic of this product, have you been deeply attracted by the number of minor claims of Wellcome Critical Illness Insurance (Sincere Children's Edition)? Indeed, it is rare for the critical illness insurance to be able to pay six times for the minor illness, but have you noticed their payment ratio?
Wellcome's critical illness insurance (sincere children's edition) pays 50% for minor illness and 20% for minor illness, while other excellent critical illness insurance products on the market pay 60% for minor illness and 30% for minor illness. In contrast, Wellcome's critical illness insurance (sincere children's edition) pays very little.
For the insured, the probability of suffering from six minor illnesses is extremely small. Instead of increasing the number of claims, it is better to increase the intensity of claims.
Wellcome's critical illness insurance (sincere children's edition) has more than these two defects, and it should be noted that there are also these:
Wellcome critical illness insurance (sincere children's edition) three traps hurt people!
2. Is Wellcome Critical Care Insurance (Sincere Children's Edition) cost-effective?
Generally speaking, Wellcome critical illness insurance (sincere children's edition) has a general protection and a low cost performance. Senior sister advises friends who want to start with caution.
However, if you want to know more about other products, this year, several popular critical illness insurance veterans have sorted out for your reference:
Critical illness insurance for children is the most cost-effective!
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