Is the Xinmei Mutual Baby Plan Sickness Insurance Reliable? Good no good? How much is a year?

Recently, many parents have come to ask, about the Xinmei mutual baby plan in Alipay, I want to know if it is good?

Don't worry, today the senior sister will unveil the true face of this product.

Let's take a look at what the protection content of the Xinmei Mutual Baby Program is:

From the picture, we can see that the content of the Xinmei Mutual Insurance Plan is very simple, but the senior sister carefully analyzed it and found that its shortcomings are not simple.

1. The guarantee is not comprehensive

The only guarantee of the Xinmei Mutual Baby Plan is to cover 9 kinds of children's special diseases, and the rest is nothing. As a disease insurance, it only covers 9 kinds of special diseases, which is too frivolous.

2. Do not protect the high incidence of leukemia

In the 9 kinds of children's special diseases that are only insured, there is no leukemia, which is one of the most common serious diseases in children.

3. There are many exemption clauses

There are 7 exemption clauses in the Xinmei Mutual Baby Plan, and we all know that the exemption clause is the responsibility of not paying, and naturally the less the better, but this product has 7 non-compensation, sincerity in **.

In addition to these three shortcomings, the most pitiful part of the Xinmei Mutual Baby Plan still has to look here:

The three major defects of the Xinmei Mutual Baby Plan**, don't buy blindly for your child!

Why should you buy insurance?

The Xinmei Mutual Baby Plan, which has been so popular on Alipay recently, has been concerned by many parents, so is it really worth buying?

Next, the senior sister will come to pick it up.

Let's take a look at the product diagram of the Xinmei Mutual Shellfish Protection Plan:

The content of the Xinmei Mutual Protection Plan looks very simple, but the senior sister took a closer look and found that it has many shortcomings.

1. Single guarantee

If you keep less, it means that the probability of compensation will be greatly reduced, and you may not be able to pay if you are sick, which is really chicken.

2. Leukemia is not guaranteed

In the 9 kinds of children's special diseases that are only insured, there is no leukemia, which is one of the most common serious diseases in children.

3. The guarantee period is short

The coverage period of the Xinmei Mutual Baby Plan is only one year, which is a short-term critical illness insurance, and most critical illness insurance plans can be insured for 20 years, 30 years, or even for life.

In addition to these shortcomings, there is one of the most serious flaws in the Xinmei Mutual Baby Plan, which really persuades people to quit every minute:

The three major defects of the Xinmei Mutual Baby Plan**, don't buy blindly for your child!

Recently, new products in the insurance market have been released frequently, and even Alipay has to join in the fun.

Recently, there is a very popular Xinmei mutual insurance plan on Alipay, which has attracted the attention of many parents.

So is it worth buying? Today, the senior sister will analyze it.

Without further ado, let's first go to the security map of the Shinmei Mutual Baby Plan:

After looking at the picture, we can find that the guarantee content of the Xinmei Mutual Baby Program is very simple. But after careful analysis by the senior sister, it has a lot of pits.

1. There is a lack of protection

The protection of the Xinmei Mutual Baby Plan only covers 9 kinds of children's special diseases, which are too few, and there are 25 kinds of high-incidence critical diseases.

In addition, among these 9 children's special diseases, there is no leukemia, which is one of the most common critical diseases in children.

2. There are many exemption clauses

The exclusion clause is the liability of the insurance company that does not pay, so the less the exclusion clause, the better.

And let's take a look at the Xinmei Mutual Baby Plan, there are 7 exemption clauses, which seems insincere.

In addition to these pits, the most noteworthy defects of the Xinmei Mutual Baby Plan have to look here, if you don't see it clearly, you want to surrender the policy in minutes after buying it:

The three major defects of the Xinmei Mutual Baby Plan**, don't buy blindly for your child!