Recently, seniors discovered a product of children's critical illness insurance, Wellcome Critical Illness Insurance of CITIC Prudential (Sincere Children's Edition). It is said that this insurance provides really excellent protection for children, providing protection for children's special diseases and paying for malignant tumors for consumers.
If you want to know whether a product is good or not, you need to explore it yourself, so that you can know.
1. How about Wellcome critical illness insurance (sincere children's edition)?
In order to facilitate everyone and save time, let's look at the picture!
As we can see from the picture, Wellcome critical illness insurance (sincere children's edition) should have many guarantees. The following senior sister will 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 protection, and provides consumers with a claim number to pay 100% of the insured amount. Compared with some excellent critical illness insurance, this kind of protection is at a disadvantage compared with other products, not to mention that there is no multiple compensation for critical illness, or even no extra compensation for critical illness.
Why do senior sisters have such an idea? Let's take a look at the reason why senior sister thinks so:
Assuming that 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 when this happens unfortunately, he can get 180% coverage. If the old Wang Mai insured 500,000 yuan, he could get at least 900,000 yuan according to the extra 80%.
It must be said that the critical illness protection with additional compensation is more beneficial to consumers. Even if consumers are unfortunately suffering from a serious illness, there will be more funds for treatment.
2. Insufficient protection for mild and moderate diseases.
When we saw the product information map, did Wellcome's critical illness insurance (sincere children's edition) surprise everyone with its minor illness compensation figures? It is true that the critical illness insurance can not pay much for six times, but have you paid attention to their payment ratio?
Wellcome critical illness insurance (sincere children's edition), which pays 50% for middle illness, does not reach most of the critical illness insurance of 60% in the general market; Wellcome critical illness insurance (sincere children's edition) only accounts for 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 suffering from a serious disease, even if it is only mild or moderate. How unlucky can a person suffer six times in his life? It is more practical to increase the proportion of compensation and get more compensation.
Whether we buy good critical illness insurance or bad critical illness insurance, these standards play a key role in our judgment!
"This is a good critical illness insurance! You have been cheated for 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 different. It is so maverick that the protection scope includes in situ ai.
Although carcinoma in situ is only a very early E tumor, it is not a cancer, but it is likely to develop into a real cancer. This product provides protection for in-situ ai patients, and active treatment can get compensation, saving tens of thousands of dollars for everyone, which is still very good.
After the introduction of the new regulations on critical illness insurance, many products have been adjusted one after another. In order to buy good products for everyone, let's take a look at these first!
What is recommended for critical illness insurance under the new critical illness insurance regulations! 》
4. Children-specific severe E tumor
Although most people don't know much about E tumor, everyone knows that it is a very serious disease. After all, it includes ai. The incidence and recurrence rate of E tumor are very high, so when buying critical illness insurance, if you are worried about malignant tumor, you have to carefully choose some insurance to protect E tumor.
In Wellcome's critical illness insurance (Zhicheng Children's Edition), five kinds of children's specific severe E tumors are guaranteed. If the child is diagnosed before 18 years old, an additional compensation of 100% will be provided. 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 pay for the treatment of E tumor.
5. Children's special disease protection
Electronic tumor protection alone is not enough. Wellcome critical illness insurance (sincere children's edition) also has disease protection specifically for children, which can be said to completely avoid the risk of diseases that children are prone to.
Wellcome Critical Illness Insurance Zhicheng Children's Edition covers 10 kinds of children's special diseases, and pays 100% coverage, such as Chuanqi disease, hand-foot-mouth disease and hydrocephalus. This product can provide protection.
In addition to the features mentioned above, Wellcome Critical Illness Insurance (Sincere Children's Edition) also has some points to pay attention to. Don't give up, keep watching!
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's critical illness insurance (Zhicheng children's edition) has many remarkable places. Although the basic guarantee function is not very prominent, it can still resist certain risks and has obvious advantages for children's specific malignant tumors and special diseases.
If you want to buy a critical illness insurance for children that can not only cover basic protection, but also provide targeted protection for children, it is still worth considering.
Write it at the end
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