Before you know this product better, you can browse the market situation of critical illness insurance first, and then you can compare it later!
Comparison table of national best-selling products of children's critical illness insurance!
1. How about Wellcome critical illness insurance (sincere children's edition)?
In order not to delay everyone's precious time, senior sister won't say much here. Let's just look at the picture and understand!
As can be seen from the figure, Wellcome critical illness insurance (sincere children's edition) is guaranteed. Let's analyze these guarantees in detail!
1. The critical illness protection is small.
Wellcome critical illness insurance (Sincere Children's Edition) covers 120 kinds of critical illness protection, and provides consumers with a claim number to pay 100% of the insured amount. This kind of protection is not superior to some excellent critical illness insurance, not to mention that there have not been many serious illness losses and no additional compensation for serious illness.
Senior, why do you say that? Let's settle an account with the senior:
If Lao Wang has a good critical illness insurance, he can get an extra 80% coverage for his first serious illness before the age of 60, then if this happens unexpectedly, he can pay 80% more than 1 times the coverage. If old Wang Mai's insurance amount is 500,000, then he can get at least 900,000 insurance money.
It must be said that the extra payment for serious illness is more beneficial to consumers, and even if they suffer from serious illness, the treatment funds are more sufficient.
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, the critical illness insurance that can be paid for six times is really rare, but has it attracted enough attention?
Wellcome critical illness insurance (sincere children's edition) and many critical illness insurance in the general market have 50% and 60% protection respectively when paying for illness; And Wellcome's critical illness insurance (genuine children's edition) is also like this, only paying 20% of the insured amount. Most critical illness insurance pays more than it 10%.
The problem of a small proportion of compensation can not be concealed by the number of payments. You know, we are suffering from a serious disease, even if it is only mild or moderate. How unlucky can a person suffer six times in his life? What's more, the proportion of compensation has increased, and the amount of compensation obtained has also increased.
How to judge whether the critical illness insurance you want to buy is good or bad depends on whether these standards are met!
Such critical illness insurance is cost-effective! Don't be cheated.
3. Covering cancer in situ
Since the introduction of the new regulations on critical illness insurance, most critical illness insurance products do not protect cancer in situ, but Wellcome critical illness insurance (sincere children's edition) is different on this issue. It must be a little green among thousands of flowers, and cancer in situ is included in the scope of protection.
Although carcinoma in situ is not cancer, it is still possible for a very early malignant tumor to develop into cancer. This product provides a guarantee for cancer in situ, and the insured can not only get compensation but also actively treat it, saving tens of thousands of dollars at once, which is really thoughtful.
4. Children-specific severe malignant tumor
Although most people don't know much about malignant tumor, everyone knows that it is a very serious disease, after all, it includes cancer. The incidence and recurrence rate of malignant tumors are very high, so when choosing critical illness insurance, if you are worried about malignant tumors, you have to see if there is 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 under the age of 18 at the time of diagnosis, an additional premium of 100% will be paid. Senior sister thinks that Wellcome critical illness insurance (sincere children's edition) is still very kind in this respect, and 200% premium is enough to cope with the treatment cost of malignant tumor.
5. Children's special disease protection
Not only does it provide protection for malignant tumors, Wellcome Critical Care Insurance (Zhicheng Children's Edition) also covers children's special diseases, which can be said to firmly protect the risk of children's susceptibility to diseases.
Wellcome Critical Illness Insurance Zhicheng Children's Edition covers 65,438+00 kinds of children's special diseases, paying 65,438+000% of the insured amount, which can provide protection for Kawasaki disease, hand-foot-mouth disease, hydrocephalus and other common diseases in childhood.
Wellcome critical illness insurance (sincere children's edition) goes far beyond these functions, and there are still a few points that need everyone's attention. Don't ignore it!
Three questions about Wellcome critical illness insurance (sincere children's edition)!
2. Is Wellcome Critical Care Insurance (Sincere Children's Edition) cost-effective?
Generally speaking, Wellcome critical illness insurance (Zhicheng children's edition) is still good. The basic security may not be particularly comprehensive, but it can still resist certain risks, and the specific malignant tumor security and special disease security for children have the upper hand.
If you want to buy a critical illness insurance for your child that can cover the basic security needs and provide targeted protection for your child, this is still a good choice and can be considered.
Write it at the end
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