Following the children's critical illness insurance Bumblebee No. 10 All-round Edition, Bumblebee No. 10 Flagship Edition, and Xiaoqinglong No. 3 have been launched one after another, Qingyunwei No. 3 has also been upgraded.
These major IPs were the best in their kind in the last session, and this time they have been upgraded at the same time! It's a good thing for consumers to roll up the product, the question is which one is better? Who is TOP1?
Today's focus is:
Bumblebee 10 All-round Edition, Bumblebee 10 Flagship Edition, Xiaoqinglong No. 3, Qingyunwei No. 3, in-depth evaluation!
1. Comparison of insurance liability
Let's give you a table first, the following is the product content that has been carefully sorted out, and you need to take it back and read it slowly.
The insurance rules of the four products are very flexible and diverse, the insurance period can be selected for 30 years, up to the age of 70, and for life, and the payment period can be paid in a single payment, 5/10/15/20/30/35 years, and the waiting period is 180 days.
The basic liabilities include mild, medium and severe illnesses, children's special diseases, and rare diseases, and the optional liabilities include multiple payments for critical illnesses, malignant tumors, sickness care funds, policyholder exemptions, and death/total disability insurance benefits. Next, let's focus on the differences between responsibilities and whose terms are more advantageous.
1. Serious illness, serious illness multiple order
The 4 products can be compensated for critical illness up to 4 times, the difference is that Bumblebee 10 All-round Edition and Xiaoqinglong 3 are bundled with critical illness many times, while Bumblebee 10 Flagship Edition and Qingyunwei 3 are not bundled.
But at the same time, Qingyunwei No. 3 is tied to death liability and insured for 30 years.
Therefore, the Hornet 10 Flagship Edition is the most flexible in form, with more freedom of choice and the lowest entry threshold.
In addition, in terms of the proportion of multiple claims for critical illnesses, the first two four paragraphs are 100%/120% of the basic sum insured, and the 3rd/4th Xiaoqinglong No. 3 and Qingyunwei No. 3 have a higher compensation ratio. In the case that the same type of critical illness is limited to 1 time, in fact, the probability of the 3rd/4th critical illness is very low. Therefore, the level of the 3rd/4th loss ratio has little impact, which is not the focus of selection, so don't care too much.
2. Mild to moderate disease
The payout ratio of the 4 models is the same, and 30%/60% of the basic sum insured is paid each time for mild to moderate illness.
The difference is that the mild to moderate symptoms of Bumblebee No. 10 All-round Edition, Flagship Edition, and Xiaoqinglong No. 3 are all combined with 6 losses, which is more advantageous; Qingyunwei No. 3 is a separate compensation for mild to moderate diseases.
3. Children's special diseases and rare diseases
The children's special diseases/rare diseases of Bumblebee No. 10 Flagship Edition, All-round Edition, and Xiaoqinglong No. 3 are compensated up to 4 times in total, with better protection; Qingyunwei No. 3 is a special disease for children and a rare disease.
In terms of payout ratio:
First Payment: In the first year of the policy, Bumblebee No. 10 Flagship Edition and All-round Edition will pay an additional 60% of the basic sum assured for special diseases / 100% for rare diseases, which is lower than that of Xiaoqinglong No. 3 and Qingyunwei No. 3.
In the second year of the policy, the payout ratio of the 4 products is the same.
The focus is on the 3rd year and beyond, the Hornet 10 Flagship Edition and the All-round Edition have an additional 150%/220% of the basic sum assured, which will pay more and have more advantages.
The 2nd/3rd/4th Children's Special Diseases/Rare Diseases: Xiaoqinglong No. 3 has a higher payout ratio.
In the case of the first payout, the Hornet 10 Flagship Edition and the Hornet 10 All-round Edition have more advantages.
4. Cancer multiple insurance benefits
Bumblebee 10 Flagship Edition, Almighty Edition, Xiaoqinglong No. 3 malignant tumors - severe multiple times of better protection: 1st/2nd/3rd ((1) cancer→ cancer, with an interval of 365 days; (2) Non-cancers →cancers, with an interval of 180 days), 40%/50%/30% of the basic sum insured will be paid in turn; For the 4th and subsequent periods, 50% of the basic sum assured will be paid every 3 years, and the payout is unlimited.
Qingyunwei No. 3 cancer multiple times: 1/2 (to cover new onset/recurrence/persistence/metastasis/spread of cancer, (1) cancer → cancer, with an interval of 3 years; (2) For non-cancer →cancer, an interval of 180 days is required), and 120%/80% of the basic sum insured will be paid in turn; For the 3rd/4th/5th (new cancer coverage), 50% of the basic sum assured will be paid every 3 years.
Qingyunwei No. 3 has a higher proportion of first compensation, but the interval between cancer-cancer compensation is 3 years, and the probability of compensation is much lower than that of 365 days apart. In addition, the other three are unlimited payouts and have stronger protection.
5. Sickness care fund
Bumblebee No. 10 flagship version, all-round version, and Xiaoqinglong No. 3 are all optional responsibilities, and Qingyunwei No. 3 30-year version must choose disease care funds. The difference is between moderate illness and critical illness:
30-year insured: For the first moderate critical illness, Bumblebee 10 Flagship Edition and All-round Edition will have an additional 80%/30% of the basic sum assured; Little Green Dragon No. 3 is an additional 100%/30% of the basic sum assured; Qingyunwei No. 3 is an additional 60%/20% of the basic sum assured.
The payout ratio Qingyunwei No. 3 is the lowest, and Xiaoqinglong No. 3 is the highest, but the premium of Xiaoqinglong No. 3 is also higher, and the cost performance is not superior to Bumblebee No. 10.
Guaranteed up to age 70 for life:
Qingyunwei No. 3 also has the lowest payout ratio, with an additional 60%/20% of the basic sum insured for critical illness before the age of 60.
Little Dragon No. 3 can choose an additional 60%/20% of the basic sum assured for the first 30 years of the policy, and an additional 100%/30% of the basic sum assured for the first 30 years of the policy.
Bumblebee 10 All-in-One is an additional 80%/30% of the basic sum assured for critical illness before the age of 60;
Bumblebee 10 Ultimate Edition is an additional 100%/30% of the basic sum assured for moderate critical illness before the age of 60.
Summary: Bumblebee No. 10 Flagship Edition = Xiaoqinglong No. 3> Bumblebee No. 10 All-round Edition > Qingyunwei No. 3.
6. Death/Total Disability Benefit
The death/total disability benefit of Bumblebee No. 10 Ultimate Edition, All-round Edition, and Xiaoqinglong No. 3 are all flexibly selected, and Qingyunwei No. 3 is a mandatory liability, and must choose 1 Death or Total Disability Benefit to pay the accumulated premiums paid, or must choose Death or Total Disability Benefit before the age of 218 to pay the premiums paid, and death or total disability after the age of 18 to pay 100% of the basic sum assured.
7. Miscellaneous
Malignant Tumors - Severe Expansion Gold: Bumblebee 10 Flagship Edition, All-round Edition, and Xiaoqinglong 3 are all included
Leukemia bone marrow transplant insurance benefits: Bumblebee 10 all-round version and Xiaoqinglong 3 are included, Bumblebee 10 flagship version and Qingyunwei 3 are not included
Autism Protection: Xiaoqinglong No. 3 innovates responsibility, and 20% of the compensation for severe autism diagnosis; Autism treatment reimbursement rate is 15%. There are many restrictions on compensation: the age of insurance is limited to 1 year old and below, and the payment time is limited to 3-7 years old.
Hospitalization day: Xiaoqinglong No. 3 and Qingyunwei No. 3 are optional, and Bumblebee No. 10 is none, but a separate hospitalization daily insurance can be added.
2. Premium comparison
First look at the insurance for life: the basic insurance amount of 500,000 yuan at the age of 0 is paid, and the insurance is guaranteed for life for 30 years
Bumblebee 10 Ultimate Edition has the lowest entry threshold, and the premium for basic liability, basic liability + disease care fund is the lowest.
Basic liability + critical illness for many times, the premium of Xiaoqinglong No. 3 is slightly lower than that of Bumblebee No. 10.
With other schemes, the Hornet 10 all-round version has the most obvious advantages.
Qingyunwei No. 3 has the highest premiums.
Guaranteed until the age of 70: The basic sum insured is 500,000 yuan at the age of 0, and the insurance is paid for 30 years until the age of 70
Bumblebee 10 Ultimate Edition still has the lowest entry threshold, with the most advantageous premiums for basic liability, basic + critical illness multiple times, basic + critical illness multiple times + cancer multiple times;
Premiums for other plans: Qingyunwei No. 3< Bumblebee No. 10 All-round Edition< Bumblebee No. 10 Flagship Edition< Xiaoqinglong No. 3
The premium of Qingyunwei No. 3 is slightly lower, but in the case that its number of claims and the proportion of claims for children's special diseases/rare diseases are at a disadvantage, the comprehensive cost performance of the two Bumblebee No. 10 is obviously the most advantageous (the first children's special disease/rare disease has the highest claims, and the premium is lower than that of Xiaoqinglong No. 3).
30 years of insurance: 0 years old insurance basic insurance amount of 500,000, 20 years of insurance for 30 years
At a glance, the Hornet 10 Flagship Edition has the most obvious advantages. This is followed by the Hornet 10 All-Rounder.
3. Summary: How to choose?
Come, it's time for the key link: which one to choose?
Let's start with a summary of the comparison:
In terms of insurance liability, for the first time children's special diseases/rare diseases, the two Bumblebee No. 10 have the highest payout;
Bumblebee No. 10 is not bundled with critical illness or disease care funds, the form is the most flexible, and the entry threshold is also the lowest.
In terms of disease care funds, Bumblebee No. 10 Flagship Edition and Xiaoqinglong No. 3 have the highest payouts.
Cancer has been paid many times, and Bumblebee 10 Flagship Edition, All-round Edition, and Xiaoqinglong 3 have more advantages.
Death liability, Hornet 10 Flagship Edition, All-round Edition, and Xiaoqinglong 3 are not bundled and are more flexible.
In terms of premiums, on the whole, the Hornet 10 flagship and all-round version have the most advantages.
Special protection, children who are concerned about autism and children aged 1 and below can consider Xiaoqinglong No. 3.
The protection of the 4 products is very good, and there are many differences, but the key point to remember when choosing critical illness insurance is critical illness compensation and high-incidence disease compensation. From this point of view, the Hornet 10 Flagship Edition and the All-in-One Edition have more advantages in terms of claims and premiums.
Of course, the focus should still be in line with everyone's own situation, and it is more reasonable to choose according to your own needs and budget.