Recently, my senior sister found a critical illness insurance product for children-CITIC Prudential Wellcome Critical illness insurance (Sincere Children's Edition). It is said that this insurance has done a good job in protecting children, and it also provides protection for children's special diseases and compensation for malignant tumors.
But whether a product is really good or not needs our own research to know!
Before you know this product, you should know the market of critical illness insurance in advance, so that you can compare it!
Comparison chart of national best-selling children's critical illness insurance!
1. How about Wellcome critical illness insurance (sincere children's edition)?
In order to give you an intuitive understanding of the public security situation, let's take a look at the following pictures first!
As we can see from the picture, Wellcome critical illness insurance (sincere children's edition) has all the guarantees that this kind of critical illness insurance should have. Let's help you 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 compensation, with the opportunity to pay 100% of the insured amount. Compared with some excellent critical illness insurance, this kind of insurance not only has no multiple compensation for critical illness, but also has no extra compensation for critical illness, so the insurance is not dominant at all.
Why do you say that? Senior to calculate an account for everyone:
If old Wang Mai had a decent critical illness insurance, he could get an extra 80% coverage when he was diagnosed with a critical illness for the first time before he was 60. If this happens unexpectedly, he will get 180% of the insured amount. If he buys 500 thousand insurance, he can get at least 900 thousand insurance money.
I have to say that critical illness insurance provides additional compensation protection, which is very good for consumers. Even if they are seriously ill, the treatment funds are 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, it is really rare that critical illness insurance can pay for six times, but have you noticed the proportion of customers who actually get claims?
In Wellcome's critical illness insurance (sincere children's edition), only 50% of the chronic diseases are paid, and most of the critical illness insurance in the market has 60% of the compensation; Wellcome's critical illness insurance (sincere children's edition) is also weak in compensation, accounting for only 20% of the insured amount, which is less than most critical illness insurance 10%.
The problem of small compensation ratio can not be solved by multiple payments. You know, we are all suffering from major diseases, even if it is only mild or moderate. How unlucky can a person suffer from six diseases in his life? It is more realistic to increase the proportion of compensation and get more compensation in hand!
When purchasing critical illness insurance, how to judge whether it is good or not and whether it meets these standards is the key to our judgment!
Critical illness insurance is good or bad! You have been cheated for so many years.
3. Covering cancer in situ
Since the introduction of the new regulations on critical illness insurance, most critical illness insurance products have cancelled the protection of cancer in situ, while Wellcome critical illness insurance (sincere children's edition) is very different, that is, it is necessary to point green among thousands of flowers to protect cancer in situ.
Although carcinoma in situ is not a cancer, a very early malignant tumor may develop into a real cancer. This product has given a certain protection to cancer in situ, which not only allows the insured to get compensation, but also allows the insured to actively treat it, saving tens of thousands of dollars for everyone, which is still very good.
4. 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 one of them. The incidence and recurrence rate of malignant tumor are very high, so when choosing critical illness insurance, if you are worried about malignant tumor, you have to see whether there is enough protection for malignant tumor.
Wellcome critical illness insurance (Zhicheng children's edition) provides protection for five kinds of children's specific serious malignant tumors. If the child is diagnosed before the age of 18, the additional compensation will be 100%. Senior sister thinks that at this level, Wellcome critical illness insurance (sincere children's edition) is still quite satisfactory, and the 200% guaranteed premium is still enough to pay for the treatment of malignant tumors.
5. Children's special disease protection
It is not enough to have malignant tumor protection. Wellcome critical illness insurance (sincere children's edition) and children's special disease protection can be said to ensure 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% of the insured amount, providing sufficient protection for children's common diseases such as Kawasaki disease, hand-foot-mouth disease and hydrocephalus.
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. Although the basic guarantee is not very advantageous, it can also play a role in resisting risks, and the specific malignant tumor guarantee and special disease guarantee for children have the upper hand.
If you want to buy a critical illness insurance for children that covers basic protection and also provides targeted protection for children, this is the choice you should consider.
However, if you still want to compare with other products, Senior Sister has also sorted out several critical illness insurances that are popular this year. You can compare it!
The most worthwhile child critical illness insurance is here!
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