2020 Huixin an 3 0 Children s Critical Illness Insurance, is it worth it? Is it worth buying?

For this question, I just know that Huixin'an Children's Critical Illness Insurance, is it worth buying, I just sorted out the insurance information about Huixin'an Children's Critical Illness Insurance, I hope it will be helpful to you:

01 What content has Huixin'an upgraded?

Let's take a look at the table below:

Huixin'an has mainly upgraded the following contents:

1.The incremental amount of critical illness benefits has been increased

2.Moderate and mild cases have been strengthened

3.Coverage for specific illnesses has been increased

4.Death liability is optional

1. Incremental amount of critical illness claim plus:

The amount of critical illness insurance is increasing year by year, which is a major feature of Sunny Day Insurance, and Hui Xin'an has further amplified this feature, upgrading from a 15% increase every two years to a 20% increase every two years.

Don't underestimate this 5%, when the policy is accumulated in the 11th year, the sum assured for critical illness can reach 2 times the original premium.

2. The protection of moderate and mild symptoms has been increased

The sum insured for mild and moderate illness has increased by 10% on the basis of the old version, which is % respectively, which is relatively high compared with similar products.

3. Protection for specific diseases

Upgraded from the old version of the coverage of 15 special illnesses with an additional 100 illnesses to 22 special illnesses with a maximum additional payment of 200% of the basic sum assured.

4. Death liability is optional

The death liability has been upgraded from the original mandatory to optional, so that the policyholder has more choice.

02How to choose popular children's critical illness insurance?

I have selected a few popular children's critical illness insurance plans for comparison to see how to choose:

1. The pursuit of high insurance amount: Hui Xin'an

The Critical Illness Sum Assured increases by 20% every two years, up to a maximum of 200% of the Sum Assured in the 11th year of the policy and onwards.

That is to say, if you insure 500,000 sum insured, you can get up to 1 million sum insured.

2. Pursuit of children's special illness protection: Fosun cooperates with Mommy Baobei and Hui Xin'an

I compare the protection of the above products for children's special diseases in the following table:

Inventory of the top 10 insurance companies for children's critical illness insurance.

Including 18 kinds of children's special diseases, the insured can get an additional 100% of the sum insured if diagnosed with the specified critical illness3. One step in place, guarantee for life: Fosun cooperates with Mommy Baobei and Ruitai Bumblebee Time Machine

These two products are relatively comprehensive in terms of protection in childhood, and the protection in adulthood is also very comprehensive.

Especially in the protection of moderate and mild diseases, the amount of compensation for multiple claims is relatively high, and if it is guaranteed for life, the practicability is still relatively strong.

03 I summarized

Parents will always choose to "run naked" because they pamper their children and configure perfect protection for their children.

Protection before financial management, adults before children, insurance amount before term, risk before probability, gradual allocation, long-term planning.