It is easy to understand and talk about insurance, and it is easy to choose a good insurance. Hello everyone, I'm a layman.
Roll it up! Rolled up again! Head Children's Critical Illness Insurance: Bumblebee No. 10, after 4 months, has ushered in another upgrade. Originally, in the field of children's critical illness insurance, China Merchants Renhe has slowly left the track for some reason. Only Beijing Life Insurance and Junlong Life Insurance are left to fight with each other. But maybe it's a fire, these two are now starting to copy each other + upgrade!
Take Junlong Xiaoqinglong No. 3 as an example, which is proud of its children's leukemia protection. This time, the Hornet 11 was fully overtaken. However, perhaps the donkey skills are exhausted. The upgrade of Hornet 11 did not make a large iteration on the basis of No. 10, but was suspected of squeezing toothpaste.
Today, Brother Vulgar will take you to take a quick look at the latest product of the Bumblebee series: Bumblebee No. 11 All-round Edition, and see if this product is suitable for insurance!
1. Safeguard responsibility
Hornet 11 all-rounder protection liability
2. Product Highlights
Although Bumblebee No. 11 is a single claim for critical illness, after multiple claims can be made through additional critical illness, 40 juvenile special/rare diseases have a cumulative 4 claims.
Except for the first payout, the proportion is gradually increased according to the duration of coverage. All other 2nd to 4th payouts are 100% additional payouts;
In addition to the basic severe/moderate/mild disease, the product also provides three additional benefits: malignant tumor development, leukemia bone marrow transplantation, and leukemia medical insurance benefits.
In particular, leukemia medical insurance benefits are a medical insurance liability. Leukemia treatment before the age of 18 can receive up to 200,000 sum insured, not limited to 100% reimbursement by social security.
When multiple claims are made for additional critical illnesses, multiple claims for critical illnesses + additional claims for children's rare diseases can be stacked. If the sum insured is $500,000 at the time of application. The second critical illness happens to be a rare disease for children, and it is the first claim, when the policy has been covered for 3 years, the insurance company will pay 500,000 + 1.1 million = 1.6 million.
Third, the product should pay attention to it
Hornet 11, like Hornet 10, has always had this pit. If you suffer from mild to moderate illness during the 90-day waiting period, or if you suffer from mild to moderate illness within 90 days after the critical illness, the mild to moderate illness will be cancelled directly and the benefit will be invalidated!
It is still an old problem, and the maximum insured amount of Bumblebee 11 is 700,000, and it is only available in Beijing, Shanghai, Zhejiang, Jiangsu, Guangdong, and Tianjin. Hebei, Hubei, Jilin, Liaoning, Heilongjiang, Shandong, and Henan can invest up to 400,000. The maximum sum insured in other regions is 550,000.
Fourth, the comparison of similar products
Comparison of Bumblebee No. 11 with some children's critical illnesses
Fifth, suitable for people
Sixth, the vulgar brother summarized
The upgrade of Hornet 11 is a bit too much toothpaste, and the optimization is not optimized. While there is more protection, so have the premiums. Looking at the basic protection alone, it is even more expensive than the Restoration Hornet 10 Flagship Edition.
In particular, when suffering from a serious illness, the body's function declines, which can easily lead to other mild to moderate diseases. At this time, if the illness happens to occur within 90 days after the occurrence of the critical illness, not only will the beneficiary not receive any compensation, but the insurance company will also cancel the mild to moderate illness benefit, which is a bit of a failure.
Let's talk about the difference between Bumblebee No. 11 and Xiaoqinglong No. 3, after Bumblebee No. 11 has been compensated for multiple times with critical illness, its protection responsibility is similar to that of Xiaoqinglong No. 3. In terms of premium, Bumblebee No. 11 is slightly cheaper by 10-30 yuan/year (20 years to pay). But this cheap premium is not enough to make up for the two major problems of Hornet 11.