Excuse me, what is the maximum sum insured of Hui Xin an?

Hello, the maximum insurance amount of critical illness insurance is 800,000 yuan, and the insurance benefit for specific critical illnesses for children is 1.6 million yuan. The amount of coverage is relatively high, which is basically enough until the child reaches adulthood to transfer the risk of high medical expenses of the disease.

Hui Xin'an is a children's critical illness insurance. It belongs to the Sunny Day Insurance series of Ruitai Life Insurance, so it is also called Sunny Day Guarantee Children's Critical Illness Insurance. At present, Huixin'an has been upgraded, and its product features are: the amount of insurance is increasing year by year.

So does the upgraded Huixin'an have a guarantee to make up for this lack?

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.

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.

After reading this product, find that it does not meet your own needs? Don't worry, you can take a look at this article "Top Children's Critical Illness Insurance Rankings to see if there is anything you want?" 》

This product is underwritten by Anbang Harmony Health Insurance Company and sold through specially designated channels.

Extended Information:1Insurance (or abbreviated as insur), which is meant to be safe and reliable; It is a tool used to plan life finances, a basic means of risk management under the conditions of market economy, and an important pillar of the financial system and social security system.

2.Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating the insurance money for the property loss caused by the occurrence of an accident that may occur as agreed in the contract, or when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract.

3.From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is an "exquisite stabilizer" of social production and social life. From a risk management perspective, insurance is a method of risk management.

Next, I will take you to unveil the mystery of Hui Xin'an and see its "true face of Lushan"!

As can be seen from the diagram,The advantages of Hui Xin'an are:1.Comprehensive Coverage:

Mild, medium and severe illnesses are covered, and the number of claims for minor illnesses is up to 3 times; In terms of exemption, this insurance is also complete, for example, if the policyholder suffers from serious illness or total disability or death, the subsequent premiums can be waived and the contract is valid; Not only that, this insurance also adds 22 types of coverage for children's special diseases, and pays an additional 200% of the basic sum assured for the first 6 years of the policy, and an additional 100% of the basic sum assured after the policy is effective for 6 years. The payout is simply not too big!

2.Sum Insured Growth:The Critical Illness Sum Assured increases by 20% every 2 years, up to a maximum of 200% of the Basic Sum Assured; This kind of protection responsibility is indeed unseen in general children's critical illness insurance, and this setting mode of the sum insured is indeed very humane.

3.Flexible Coverage Period:The coverage period of Huixin'an can be selected for many years; Many children's critical illness insurance products on the market can choose a limited protection period or even directly frame a protection period, while Sunny Day Insurance provides a protection period selection service that takes into account the different needs of each family. Silently like it!

The alias of the Sunny Day Guarantee series is also called Hui Xin'an, Sunny Day InsuranceTranscendence Edition's alias is Hui Xin'an.

YesRuitai LifeIt is a children's critical illness insurance underwritten, and its characteristics of increasing the sum insured year by year are very popular with everyone.

The specific evaluation of Sunny Day Guarantee can be found here"Ruitai Sunny Day Insurance Children's Critical Illness Insurance Evaluation: The Sum Insured Will Increase, and the Cost Performance is Good".

Children are the future of a family.

In order for the child to grow up healthy and healthy, it is necessary to configure a critical illness insurance for the child.

However, how to choose among the many children's critical illness insurance?

This is the most consulted dad has received recently, and today dad will teach you how to configure the right critical illness insurance for our baby:

Regarding how to buy children's critical illness insurance, in fact, many friends in the background have consulted the dad, and the dad's answer is also unified.

Usually buy critical illness insurance for children, mainly considering the following factors:

1.Buy the adults first, then the children

Adults are the biggest protection for children, and we should give priority to the insurance of parents, after all, if something happens to us as parents, what should we do with our children?

2.Choose according to your budget and needs

Expensive is not necessarily the best, so when choosing a product, you should give priority to how much your budget is, and what your needs are, and then decide what products to buy.

3.The duration of the insurance depends on the situation

Children's critical illness insurance is both regular and lifelong, and many parents are troubled by how to choose.

Daddy suggested that if the budget is sufficient, you can give your child a long-term protection and choose a lifelong one; If you are on a budget, you can buy a regular one first.

Because insurance is a long-term configuration process, it does not pursue everyone to build a good security system at once, and you can wait for the children to grow up, and then slowly supplement the protection.

4.Coverage of pediatric diseases

Children's specific diseases are high-incidence diseases and account for a large proportion of claims, so when choosing children's critical illness insurance, you should pay attention to the coverage of children's special diseases.

Daddy recently summed it up"Children's Critical Illness Insurance Ranking, the most complete product analysis is here!" 》Buying insurance is an effective protection against unknown risks, in fact, it is not difficult to insure your child, as long as you follow the advice of the father, it will be no problem.

Protection first and then financial management, adults first and then children, first the amount of insurance and then the term, first risk and then probability, gradual allocation, long-term planning.

Insurance companies are reliable, all are managed by the CIRC, and you can buy with confidence.

Hello friends! Hui Xin An Health Insurance is a children's critical illness insurance underwritten by Kunlun Health Insurance. The biggest feature of Kunlun Huixin'an Health Insurance Children's Critical Illness Insurance is that it can be supplemented with secondary compensation for malignant tumors, special care funds, additional compensation for 20 kinds of children's special diseases, etc.

1.Critical illness benefit

110 critical illnesses, one payout, 100% of the basic sum assured;

2.Mild and moderate illness coverage

25 kinds of moderate diseases, 2 times without grouping, 50% of the sum insured each time, no interval;

50 types of mild diseases, 3 times without grouping, 30%, 35% and 40% of the sum insured will be paid in turn, with no interval.

3.Children's Critical Illness Benefit

For 20 types of children's special diseases, an additional 100% of the sum insured will be paid, and the maximum benefit will be paid up to the age of 22.

4.Cancer secondary benefit (optional).

If the first critical illness is not cancer, then the interval is 180 days, and 100% of the basic sum assured will be paid;

If the first critical illness is cancer, then the interval is 3 years, and 100% of the sum insured will be paid.

5.Special Care Allowance (optional).

If this benefit is added, the sum insured for Critical Illness Moderate Illness and Mild Illness will be doubled in the age group of 22-70 years of age.

To sum up, the additional protection content of Kunlun Huixin'an Health Insurance is quite powerful, and the terms of multiple claims for malignant tumors are relaxed, and the special care fund can effectively increase the protection strength. In terms of basic protection content, all aspects of Huixin'an Health Insurance are also decent, but the insurance period is relatively limited, and you can only choose to protect it for life.

Through the comparison of the above charts, the biggest difference between Kunlun Huixin'an Health Insurance Children's Critical Illness Insurance and other popular children's critical illness insurance is that the coverage period is relatively narrow and can only be insured for life. However, on the whole, the basic protection of Huixin'an Health Insurance is not much different from other products, and the coverage content is still relatively sufficient.

Daddy concluded:

When you configure insurance for your baby, you need to follow the principle of "adults first and then children".

After configuring the insurance for the adults, then rationally match the insurance for their babies according to the budget, after all, adults are the biggest protection for children.

Moreover, the most priority for children should be medical insurance, which is the most basic welfare, and can be used together with insurance for higher protection. Secondly, children do not need to be paired with life insurance, and the role of life insurance is mainly used to prevent the economic crisis caused by the early death of the family's breadwinner.

Daddy has prepared a dry goods for you, please check:"Children's Critical Illness Insurance Ranking, the most complete product analysis is here!" 》

Huixin'an has two products, here Huixin'an Children's Term Critical Illness Insurance is launched by Harmony Health Insurance Company. In addition, Huixin'an Children's Insurance was launched by Tongfang Global Life Company. Users must distinguish clearly when applying for insurance to avoid insurance mistakes.

The current version of Huixin'an Children's Term Critical Illness Insurance is the 2018 version of Plus, the underwriting age of this insurance is 28 days to 17 years old, the protection period is 20 years, 25 years, 30 years, and the payment time can be selected as a single payment for 3 years, 5 years, 10 years, 15 years, 20 years, insurance liability: 50 kinds of critical illness, 35 kinds of mild diseases, 8 kinds of specific critical illnesses, and the sum insured is doubled.

The insurance age of Huixin'an Children's Insurance is 0-17 years old, the insurance period is 20 25 30 years, and the payment method can be agreed with the insurance company, and the protection items include death insurance and maturity insurance. When applying for insurance, pay attention to its exclusion clauses, such as the insured's intentional crime or resistance to criminal coercive measures taken in accordance with the law.

Harmony Health Insurance Company, formerly known as Rayford Health Insurance Co., Ltd., has a registered capital of 2.1 billion yuan. At present, the company has set up branches in Beijing, Shanghai, Jiangsu, Zhejiang, Sichuan, Hebei, Guangdong, Liaoning, Hubei, Shandong, Shenzhen, Anhui, Fujian, Heilongjiang, Shaanxi and other places.

Summary. Hello, Huixin'an Insurance has a very good reputation, this product can be insured for 30 years, but also up to the age of 70 or for life, and ** cheap, flexible protection.

Hello, Huixin Antan has a very good reputation for service insurance, this product can be insured for 30 years, but also to the age of 70 or for life, and it is cheap and leaky, and the guarantee is flexible.

Huixin Anqin Sue Search 2022 is underwritten by Guolian Life, and the maximum amount of insurance can be bought at the age of 0 3; 4 17-year-olds can buy up to 800,000. Let's take a look at its specific guarantees:

It can be seen that the basic protection of Huixin'an 2022 is very good, and you can choose to protect it for 30 years, until the age of 70, or for life. We checked the terms and found that this product covers 15 high-incidence critical illnesses in children, and the most common leukemia, brain malignant tumors and severe hand, foot and mouth disease are all children's specific diseases and rapid spring diseases, which can pay an additional 120% of the sum insured. In addition, the optional protection of Huixin'an 2022 is also relatively rich, let's take a look:

Additional compensation for the first 30 years: After the additional illness care insurance benefit, an additional 50% of the insurance is paid for the first 30 years of insurance, which is worth adding. When many products on the market choose to be insured for 30 years, only the first 10 years can be paid extra.

Multiple claims for critical illness: After the addition, the critical illness can be compensated up to 4 times, after the first loss of 100% of the sum insured, the 3 subsequent critical illnesses can be compensated with % of the sum insured. Severe Hand, Foot and Mouth Disease Allowance:

After the addition, if you are hospitalized for severe hand, foot and mouth disease, you can get a daily allowance of 500 yuan. The ** of this protection is only about 1 yuan, which can be added. Hui Xin An 2022 has recently added an optional benefit for policyholders to waive this option, in case the policyholder is seriously ill, the subsequent premium can be waived, it is recommended to add.

However, it should be noted that the policyholder of this additional benefit is also required to meet the health notice.

Hello, Huixin'an No. 3 Critical Illness Insurance is an insurance product that protects 110 critical illnesses + 20 moderate illnesses + 40 mild illnesses, with up to 170 types of diseases, which can meet the protection needs of different groups of people and escort health.

It is reported that 110 critical illnesses are covered, and the insurance clause stipulates that in the first 11 policy years, the critical illness sum assured will increase by 20% of the basic sum assured every 2 years, and the maximum amount of the basic sum assured will be increased by 100%.

For example, if a 0-year-old boy is insured with a basic insurance amount of 500,000 yuan, if the child is unfortunately diagnosed with a critical illness agreed in the contract at the age of 11, the insurance company will pay 200% of the basic insurance amount, that is, 1 million yuan of critical illness insurance money, which is more powerful.

The 20 types of moderate illnesses covered can be paid twice in total, each time at 60% of the basic sum assured; 40 kinds of mild illnesses can be paid 3 times in total, each time is 40% of the basic sum insured, and mild and moderate illnesses can be paid multiple times, which increases the probability of claims, and the insured unfortunately suffers from the diseases agreed in the contract, without worrying about medical expenses.