In recent days, seniors and seniors discovered a critical illness insurance product for children, called Xincheng Wellcome Critical Illness Insurance (Sincere Children's Edition). I heard that this kind of insurance provides very good child protection.
But whether this product is really that good still needs careful analysis!
Before understanding this product, let's take a look at the current market situation of critical illness insurance for subsequent comparison: the comparison chart of the most popular children's critical illness insurance products in China!
1. How about Wellcome critical illness insurance (sincere children's edition)?
In order to facilitate everyone and save time, let's look at the protection map directly!
As we can see from the picture, Wellcome critical illness insurance (sincere children's edition) has almost all the guarantees. Let's talk about these guarantees one by one.
1. The critical illness protection is small.
Wellcome critical illness insurance (sincere children's edition) covers 120 kinds of critical illness, and has the opportunity to pay 100% of the insured amount. Compared with some excellent proportion of critical illness insurance, this kind of protection not only has no multiple payment for critical illness, but also has no additional payment for critical illness. This protection is at a disadvantage compared with other products.
Are you wondering why senior sister said that? Let's take a look at this account calculated by senior sister:
If Lao Wang has a good critical illness insurance, he can pay an extra 80% of the insured amount if he is diagnosed as a critical illness for the first time before he is 60 years old. If this happens unfortunately, he can get 180% coverage. If old Wang Mai's insurance amount is 500,000, then he can get at least 900,000 insurance money.
I have to say that for consumers, extra compensation for serious illness is better. Even if they are seriously ill, the treatment funds are sufficient.
2. Insufficient protection for mild and moderate diseases.
Have you seen the product information chart, and the number of minor claims of Wellcome critical illness insurance (sincere children's edition) attracted everyone? Indeed, it is rare for critical illness insurance to be able to pay 6 times for moderate and mild diseases, but have you paid attention to the proportion of compensation actually obtained by customers?
Wellcome critical illness insurance (sincere children's edition) pays 50% of the insured amount, and many critical illness insurances in the general market can reach 60% of the insured amount; 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%.
Even if you can pay for it many times, you can't make up for the small proportion of compensation. 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 the most real thing that the creditor's rights in your hand will increase after the proportion of creditor's rights increases.
How do I know if the purchased critical illness insurance is good? These standards can help us to judge quickly: good critical illness insurance is like this! 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 do not protect cancer in situ, and Wellcome critical illness insurance (sincere children's edition) is very different from other critical illness insurance, that is, it is necessary to go its own way to protect cancer in situ.
Although carcinoma in situ is only a very early malignant tumor, it is not cancer, but it does not rule out the possibility of becoming cancer. This product provides protection for the insured in the setting of cancer in situ, and the insured can get active treatment after receiving compensation, saving tens of thousands of dollars at once, which is really thoughtful.
4. Children-specific severe malignant tumor
Although most people know little about malignant tumor, as long as they talk about it, they all know that it is a very serious disease. After all, cancer is included in it. Malignant tumor has a high incidence and recurrence rate, so when buying critical illness insurance, if you are worried about malignant tumor, you should see if there is protection for malignant tumor.
In Wellcome Critical Illness Insurance (Zhicheng Children's Edition), five kinds of children-specific severe malignant tumors are guaranteed. If the child is diagnosed before the age of 18, an additional amount of 100% will be paid. Senior sister thinks that Wellcome critical illness insurance (sincere children's edition) is still doing well in this respect, and 200% premium is still enough to treat malignant tumors.
5. Children's special disease protection
Not only does it guarantee malignant tumor, but it also guarantees Wellcome critical illness insurance for children's special diseases (Zhicheng children's edition). It can be said that the risk of diseases that children are easy to get is fully guaranteed.
Wellcome Critical Illness Insurance Zhicheng Children's Edition covers 65,438+00 kinds of special diseases of children, paying 65,438+000% of the insurance coverage, and protects children's common diseases such as Kawasaki disease, hand-foot-mouth disease and hydrocephalus.
Wellcome critical illness insurance (sincere children's edition) has more than these characteristics, and there are still a few points worthy of your attention. Don't ignore them: the three mysteries hidden in Wellcome critical illness insurance (sincere children's edition) are simply sad!
2. Is Wellcome Critical Care Insurance (Sincere Children's Edition) cost-effective?
Generally speaking, Wellcome critical illness insurance (Zhicheng children's edition) is still in place. Although there is no outstanding advantage in basic security, it can still resist certain risks and has more advantages in the protection of children's specific malignant tumors and special diseases.
If you buy a critical illness insurance for your child that can cover the basic security needs and provide targeted protection for your child, it is still worth considering.
Write it at the end
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