The "Bumblebee" series of critical illness insurance, the representative of cost-effective children's critical illness insurance, has been updated and iterated more than ten times, and each one is very popular. At the beginning of this year, it was just upgraded to Hornet 10, but I didn't expect it to be upgraded again in the past few days! Hornet No. 11 (all-round version) is a surprise launch!
The upgraded Bumblebee No. 11 (all-round version) pays special attention to leukemia protection, with a maximum payout of 460% of the basic sum insured for children's leukemia, as well as an additional 200,000 leukemia medical insurance benefits! At the same time, the basic critical illness is not bundled many times, and the threshold for entry is lowered! The main one has more losses and lower prices, and I believe that many parents are more interested.
So what are the specific advantages of Hornet 11 (all-round version)? Does it have any drawbacks?
Key topics in this article:
What are the advantages of > Bumblebee No. 11 Children's Critical Illness Insurance (All-in-One Version)?
Are there any drawbacks to > Hornet 11 (Versatile Edition)? Is it worth buying?
> write at the end
1. What are the advantages of Bumblebee No. 11 Children's Critical Illness Insurance (All-round Version)?
Bumblebee 11 (All-in-One) is still underwritten by Beijing Life, which is a direct upgrade of Bumblebee 10 (All-in-One) and is suitable for minors aged 0-17.
The following are the specific insurance contents of this product.
For the protection of each responsibility, please see the above table in detail, and then we will focus on summarizing the advantages of this product.
1. Choose flexibly and match as you like
The insurance period of this product can be guaranteed for 30 years, up to the age of 70, and for life; The payment period includes single payment, 5/10/15/20/30/35 years; The minimum insured amount is 100,000 yuan and the maximum amount is 700,000 yuan.
There are still a variety of options for the insurance period, payment period, and insurable amount, and consumers can match the plan according to their actual situation and needs.
2. Comprehensive coverage, covering 198 diseases
Mild, medium and severe illnesses, a total of 198 diseases are covered, covering high-incidence diseases, and comprehensive coverage.
1 Critical Illness Claim: 100% of the Basic Sum Assured; Mild to moderate illness will be compensated 6 times, no grouping and no interval, 30%/60% of the basic sum insured will be paid respectively, and the subsequent premiums will be waived after the first claim, and the policy will continue to be valid for long-term protection! 90 days after the latest critical illness claim, moderate and mild illnesses that are not in the same group as the diagnosed critical illness can continue to be paid until 6 times.
In addition, there are additional high claims for children's special diseases and children's rare diseases; There are also leukemia bone marrow transplant additional insurance benefits, leukemia medical insurance benefits, and malignant tumor-severe expansion fund benefits!
At the same time, you can choose to pay 3 additional claims for critical illness, which is more adequate; Malignant tumors - severe tumors can be paid an unlimited number of times, and cancer protection is more adequate; Increasing the payout ratio can also add sickness care benefit. The coverage is quite comprehensive.
3. Leukemia and other serious diseases have high compensation and strong protection
(1) Children's special diseases cover high-incidence critical illnesses such as leukemia and malignant brain tumors, and the maximum compensation for the first diagnosis is 150% of the basic sum insured; The 2nd/3rd/4th diagnosis will pay an additional 100% of the basic sum assured, and the compensation will be superimposed with the critical illness for many times!
(2) Children's rare diseases, covering 20 diseases, the first diagnosis will be subject to an additional maximum of 220% of the basic sum assured, and the 2nd/3rd/4th diagnosis will be paid an additional 100% of the basic sum assured, which can also be combined with critical illnesses multiple times!
(3) Malignant tumors - 50% of the basic sum insured will be paid in addition to the expansion amount, and an additional 50% will be paid for severe malignant tumors such as leukemia, lymphoma, and brain cancer after being diagnosed with carcinoma in situ/mild malignant tumors.
(4) Leukemia protection is increased, with a maximum compensation of 460% of the basic sum insured
Leukemia bone marrow transplant insurance will pay 80% of the basic sum assured;
At the same time, as a special disease for children, it can be compensated up to 150%;
As a malignant tumor, if you meet the conditions for the malignant tumor-severe expansion fund, an additional 50% will be paid;
If the sickness care fund is attached, an additional 80% will be paid for critical illness.
Therefore, with the basic sum insured, a diagnosis of pediatric leukemia can receive up to 460% of the basic sum assured! There is also an additional 200,000 leukemia medical insurance benefits!
Leukemia is one of the most common serious illnesses in children, expensive to treat, but also has a high cure rate. Bumblebee No. 11 (All-round Edition) focuses on leukemia protection and gives children more protection for high-incidence diseases.
4. Optional responsibility upgrade, flexible guarantee
Critical illness can be changed into optional liability for multiple times, and critical illness can be paid for an additional 3 times, which can be combined with children's special diseases and rare diseases.
Malignant tumors - severe medical allowance, for malignant tumors - severe recurrence, metastasis, persistence, and new onset, can be paid for an unlimited number of times; If the first diagnosis is cancer, and the second diagnosis of cancer, the interval between the first three benefits is only 365 days, which is faster than many products with an interval of 3 years, and the probability of compensation is higher, which is also more practical.
Sickness Care Payment, increase the compensation ratio of critical illness/moderate disease/mild illness by 80%/30%/10% respectively!
In general, the optional liability makes the critical illness protection more sufficient, the malignant tumor protection stronger, the critical illness compensation ratio higher, the responsibility is practical, and the options are flexible.
2. Are there any drawbacks to Hornet 11 (all-round)? Is it worth buying?
1. Are there any shortcomings?
It can be said that the upgrade of Bumblebee 11 (all-round version) is very practical, and the protection of high-incidence leukemia is greater. So are there any drawbacks to this product?
No product is perfect, and the downside of the Hornet 11 (all-round) is that the waiting period is 180 days, which is relatively long. However, similar cost-effective products are basically such a waiting period, and you can buy early and pass the waiting period early.
2. Is it worth buying?
The shortcomings of Hornet 11 (all-round version) are not obvious, but they are full of advantages and full of sincerity after upgrading:
Basic liability critical illness compensation for 1 time, without bundling critical illness compensation for multiple times, the form is more flexible;
After the critical illness is paid, the mild to moderate illness that is not in the same group as the diagnosed critical illness can still be paid up to 6 times, and the terms are excellent;
The claim level for children's special diseases/rare diseases is high, with a maximum additional compensation of 150%/220% of the basic sum assured;
Leukemia with a high incidence of critical illness has greater protection, with the additional benefit for leukemia bone marrow transplantation increased to 80% of the basic sum insured, and the new leukemia medical insurance benefit of 200,000 yuan, with a cumulative maximum compensation of 460% of the basic sum insured for leukemia;
Malignant tumors - severe tumors can be paid an unlimited number of times, and malignant tumors metastasis, recurrence, and continuous treatment can be paid faster;
You can also add a sickness care fund to increase the proportion of critical illness claims!
In addition, the price is also very advantageous. It does not bundle critical illnesses many times, and the threshold for entry is lower; The premiums of the various plan combinations of the Lifetime Edition are lower than those of the Bumblebee 10 (All-in-One Edition). Originally, the premium of Bumblebee No. 10 (all-round version) was very advantageous, so No. 11 is even better!
To sum up: pay more, pay faster, and be more cost-effective! So the Hornet 11 (all-round version) is undoubtedly more worth buying.
3. Write at the end
The upgrade of Beijing Life Bumblebee No. 11 Children's Critical Illness Insurance (All-round Version) is good news for consumers, with greater protection, more compensation for high-incidence diseases, and leukemia can pay up to 460% of the basic sum insured, which is especially strong!
Malignant tumors - severe unlimited number of claims, from cancer to cancer compensation interval is only 365 days, compensation is faster; Critical illness has more freedom to choose multiple times; The key entry threshold has been lowered, and the premiums for all kinds of life-long insurance have also been lowered.
At the same time, there are a variety of options for the insurance period, payment period, and insurable amount, which can meet the various needs and budgets of parents.
Such a product with more insurance, more compensation, affordable price, and flexible collocation can be bought with confidence.