Bumblebee No. 10 Children's Critical Illness Insurance (Ultimate Edition) has been upgraded again!Are there any drawbacks?

Recently, the Bumblebee No. 10 Children's Critical Illness Insurance (Ultimate Edition), which has just been launched, has been upgraded again!

This product is one of the recent children's products that has attracted much attention, with good protection, advanced terms, especially high-incidence disease protection and compensation are sufficient, which can be called the best product in its kind!

Today I will mainly give you an analysis:

Advantages and disadvantages of Bumblebee No. 10 Children's Critical Illness Insurance (Ultimate Edition).

How cost-effective is Bumblebee No. 10 Children's Critical Illness Insurance (Ultimate Edition).

Write at the end

1. Advantages and disadvantages of Bumblebee No. 10 Children's Critical Illness Insurance (Flagship Edition).

The following is the basic coverage of this product.

Bumblebee No. 10 (Ultimate Edition) is underwritten by Fosun Prudential Life and is suitable for minors aged 0-17 to be insured for 30 years, up to the age of 70 and for life, with a variety of payment terms, including single payment/5 years/10 years/15 years/20 years/30 years/35 years, up to 800,000 yuan, and a waiting period of 180 days.

This product has a wide range of guarantees, with mandatory and optional responsibilities, and the options are flexible and diverse. Let's take a look at its pros and cons.

【Advantages】

1. Comprehensive coverage for critical illness with high payouts

100% of the basic sum assured for one basic liability critical illness claim, including leukemia, brain malignant tumor, lymphoma, severe hand, foot and mouth disease and other high-incidence diseases, with comprehensive coverage;

Optional liability includes multiple insurance benefits for critical illness, with a maximum of 3 additional claims for critical illness, and a maximum of 4 times in total, which can be combined with pediatric special diseases/rare diseases each time: the first time pediatric special illness/rare disease can pay up to 150%/220% of the basic sum assured, and the 2nd/3rd/4th diagnosis of pediatric special illness or rare disease can pay an additional 100% of the basic sum assured each time;

In addition, the sickness care fund of this product will pay an additional 100% of the basic sum insured for the first critical illness before the age of 60. The maximum compensation for critical illness of general products is 80% and 60%, and the compensation ratio of this product is rarely high.

For example: 0-year-old basic insurance + disease care + critical illness multiple times, the basic sum insured is 500,000, 500,000 years old is diagnosed with leukemia for the first time, and 500,000 yuan for critical illness + 750,000 yuan for children's special illness + 500,000 yuan for disease care = 1.75 million;

In short, the critical illness is fully covered, the payouts are high, and the claims are stacked.

2. Strong protection for high-incidence diseases, and large superimposed compensation

Serious illnesses that are more common in children include leukemia, brain malignant tumors, lymphoma, and severe hand, foot and mouth disease.

This product includes 20 kinds of high-incidence critical illnesses and other high-incidence critical illnesses, with an additional compensation of up to 150% of the basic sum insured, and at the same time, if you have insured multiple critical illnesses and are diagnosed as children's special illnesses for the 2nd/3rd/4th time, in addition to paying 120%/120%/150% of the basic sum insured for the 2nd/3rd/4th critical illness insurance, you can also pay an additional 100% of the basic sum assured for children's special diseases!

In addition, the most common critical illness, malignant tumors - severe protection is stronger:

Malignant Tumor - Severe Care Benefit, the first diagnosis of malignant tumor, every 365 days, the second diagnosis of malignant tumor-severe, 40%/50%/30% of the basic sum assured, the first diagnosis of non-malignant tumor, the interval of 180 days, the diagnosis of malignant tumor-severe, 40% of the basic sum assured, and then every 365 days, the second diagnosis of malignant tumor-severe, 50%/30% of the basic sum assured;

After that, every 3 years, 50% of the basic sum insured will be paid for the re-diagnosis of malignant tumors - severe, including malignant tumors - severe new, recurrent, persistent, metastasized, and spreading.

According to the Lancet survey, 90% of cancer patients will recur and metastasize within 1-3 years after being discharged from the hospital. This product can pay for the recurrence, metastasis and continuous treatment of malignant tumors quickly, with an interval of 365 days, and unlimited payments, with practical protection and advanced terms in the market.

In addition, the malignant tumor-severe care fund can also be superimposed with multiple critical illnesses and children's special diseases, with a maximum compensation of up to 340% of the basic sum insured, and a compensation of up to 1.7 million for buying 500,000 yuan!

In addition, it also includes Malignant Tumor - Severe Expansion Fund, which is diagnosed with carcinoma in situ or malignant tumor - mild, and if the first diagnosis is malignant tumor - severe, an additional 50% of the basic sum assured will be paid. If you lose a light one, and then you get a heavy one, you can lose an additional 50%!

As can be seen from the above, the responsibility of Bumblebee 10 (Ultimate Edition) is very practical and has a strong protection against high-incidence diseases.

3. Mild to moderate illness is well compensated

Minor and moderate illnesses will be paid 6 times, regardless of grouping and no interval, 30%/60% of the basic sum assured will be paid each time, and 90 days after the latest critical illness claim, if the moderate and mild illnesses have not been paid for 6 times, the non-same group of moderate and mild illnesses will continue to be covered, and the maximum number of claims will be 6 times in total.

Mild to moderate disease regardless of the number of claims and the proportion of claims belong to the market superior level, and the compensation is good, and the loss is more.

【Cons】

The above analysis can be found that the responsibility of this product is very good, almost integrating the advantages of excellent products in the market, and the overall policy benefits are very good and full of advantages.

If you have to talk about the disadvantages, it is that the waiting period of 180 days is a bit long, but almost all similar products have this waiting period. I like this product to do it early, and the waiting period is better than the waiting period.

2. What is the cost-effectiveness of Bumblebee No. 10 Children's Critical Illness Insurance (Flagship Edition)?

As you have learned from the above, the protection content of this product is undoubtedly very good, and the payout is also very high, let's see how its premium is.

0-year-old baby insurance basic responsibility, the basic insurance amount of 500,000, pay 30 years of life, male treasure pay 1955 yuan per year, female treasure pay 1750 yuan per year, an average of more than 100 yuan per month, enjoy protection:

Lifetime 500,000 critical illness protection, up to 1.25 million for children's special diseases, up to 1.6 million for rare diseases, and 150,000/300,000 for mild and moderate diseases each time.

If the basic liability + illness care fund + critical illness is repeated times: the male treasure pays 2,745 yuan per year, the female treasure pays 2,530 yuan per year, the average monthly is as low as 211 yuan, and the critical illness before the age of 60 is paid an additional 500,000 yuan, and the critical illness is compensated up to 4 times, and the critical illness protection is very sufficient.

3. Write at the end

Bumblebee No. 10 Children's Critical Illness Insurance (Ultimate Edition) is an excellent critical illness insurance that has been launched recently, with excellent product protection, strong protection for high-incidence diseases, high payouts, and affordable premiums.

Nowadays, parents are more and more aware of insurance, and many people prepare their children with critical illness insurance as soon as they are born. If you haven't bought critical illness insurance for your baby at home, you should also prepare early. The Hornet 10 (Ultimate) is well worth considering.