A few days ago, Beijing Life Bumblebee No. 11 Children's Critical Illness Insurance (All-round Version) was upgraded and launched. As a popular children's critical illness IP, it has attracted much attention as soon as it was launched.
Previously, Bumblebee No. 10 (all-round version) was very popular, and the protection was very good. What is the upgrade and optimization on the 11th? Is protection practical? What are the advantages and is it worth buying? Many parents have questions. Today, I will give you an in-depth analysis of this product to see if it can start.
Key topics in this article:
Is it practical to > upgrade Hornet 11 (All-rounder)?
What are the advantages of > Hornet 11 (all-rounder)? Is it worth buying?
> write at the end
1. Is the upgrade of Hornet 11 (all-round version) practical?
The upgrade of critical illness insurance is good news for consumers. People are more concerned about whether the upgrade is really practical. Let's take a look at where the Hornet 11 (all-rounder) has been upgraded.
1. Basic liability critical illness compensation is paid once, and the form is more flexible
The basic liability has changed from multiple critical illness claims to 1 compensation, and those who want to pay multiple critical illness claims can add them to the optional liabilities, and those who do not want them can not add them, which is more flexible in form and more free for families with tight budgets.
At the same time, it does not bundle critical illnesses many times, and the entry threshold is lower than before. So this upgrade is undoubtedly good.
2. Leukemia protection is further increased, with a maximum compensation of 460% of the basic sum insured
Leukemia bone marrow transplant insurance benefit, the payout ratio has been increased from an additional 50% to 80% of the basic sum insured, and the payout is higher!
At the same time, the leukemia medical insurance premium is also added, and the leukemia medical expenses can be reimbursed up to 200,000 yuan before the age of 18!
Leukemia is the most common serious illness in children, and the cost of treatment is expensive, and if a bone marrow transplant is to be performed, the cost is even higher, and it is difficult for the average family to afford.
Bumblebee No. 11 (all-round version) has increased the protection of leukemia, and leukemia can pay up to 460% of the basic sum insured (100% of the basic sum insured + up to 150% extra for children's special diseases + 80% of the amount of disease care + 80% for bone marrow transplantation before the age of 18 + 50% for malignant tumors - severe expansion fund) + 200,000 leukemia medical insurance benefits! Responsibility is practical, protection is stronger!
The above is the main upgrade of this product, in general, there are not many upgrades but they are very practical, the product matching choice is more free, and the protection of high-incidence diseases is greater.
2. What are the advantages of Hornet 11 (all-round version)? Is it worth buying?
The upgraded Hornet 11 (All-in-One) has more comprehensive coverage, and here are the basic coverage details for this product. Let's summarize what its advantages are.
1. 198 kinds of diseases, the protection is very comprehensive
The mandatory benefits of this product include mild, medium and severe illnesses, children's special diseases, rare diseases, malignant tumors - severe expansion benefits, leukemia bone marrow transplant insurance benefits, and leukemia medical insurance benefits. 198 basic mild, medium and severe illnesses are covered, and high-incidence diseases such as children's special diseases, malignant tumors, and leukemia are covered with additional benefits, and the protection is very comprehensive.
For families on a tight budget, such basic responsibilities are fully sufficient.
The optional liability includes the sickness care fund, which further increases the compensation ratio; Malignant tumors - severe medical allowance and multiple payments, malignant tumors are effective for a long time and have greater protection; Multiple payments for critical illness, stronger protection for critical illness!
If the budget is sufficient, additional optional responsibilities will be added, and the child's critical illness and malignant tumor protection will be more complete!
2. Leukemia and other serious diseases have strong protection and high compensation
(1) The maximum compensation for pediatric leukemia is 460% of the basic sum insured
Leukemia bone marrow transplant insurance amount before the age of 18 will be paid 80% of the basic sum insured! Leukemia can be reimbursed up to 460% of the basic sum insured (100% of the basic sum insured + 80% of the disease care fund + up to 150% of the children's special diseases + 80% of the leukemia bone marrow transplant + 50% of the malignant tumor - severe expansion benefit). Buy 500,000, leukemia can pay up to 2.3 million!
At the same time, there is an additional 200,000 leukemia medical insurance benefits, which will be paid 100% after reimbursement by social security (60% compensation if not reimbursed by social security)!
Children's leukemia protection is strong, the compensation is high, and there is no need to worry about the cost of leukemia, and the child's treatment is more secure.
(2) An additional maximum of 150% of the basic sum insured for 20 specific diseases for children
20 kinds of children's special diseases cover leukemia, brain malignant tumors and other high-incidence diseases, the first diagnosis of children's specific diseases, the 1st/2nd/3rd and subsequent policy years, an additional 60% or 120% or 150% of the basic sum assured will be paid respectively, up to a maximum of an additional 150%!
An additional 100% of the basic sum assured will be paid for the second diagnosis of a specific disease, which will be superimposed with multiple payments for critical illness and malignant tumors - severe multiple payments!
(3) Additional compensation for 20 rare diseases, up to 220% of the basic sum assured
For the 1st Rare Disease Diagnosis, an additional 100% or 200% or 220% of the Basic Sum Assured will be paid respectively for the 1st/2nd/3rd and subsequent policy years, up to a maximum of 220%!
An additional 100% of the basic sum assured will be paid for the second diagnosis of a specific disease, which will be superimposed with multiple payments for critical illness and malignant tumors - severe multiple payments!
(4) 50% of the additional amount of malignant tumor - severe expansion: carcinoma in situ or malignant tumor - mild diagnosis and payment, if diagnosed malignant tumor - severe, an additional 50% of the basic sum insured will be paid! It contains high-incidence diseases such as leukemia, lymphoma, and brain cancer.
(5) Malignant tumors - severe recurrence, metastasis, and continuous treatment are compensated faster and unlimited
Malignant Tumor - Severe Medical Allowance, for malignant tumor - severe recurrence, metastasis, and continuous treatment, the first three times will be paid according to 40%/50%/30% of the basic sum assured, with an interval of 365 days between each claim, and 50% of the basic sum insured will be paid if the malignant tumor is diagnosed again every 3 years after the third allowance is paid. Compared with other products that can only be compensated after an interval of 3 years, this liability is compensated faster! Responsibility is more practical!
In short, Bumblebee No. 11 (all-round version) has a great protection against severe diseases such as leukemia and other malignant tumors, with high payouts and strong practicability.
3. Low price, the first echelon of the cost-effective market
The basic liability of insurance at the age of 0 is 500,000 yuan, and the basic insurance amount is 500,000 yuan, and the insurance is guaranteed for life for 30 years
Male treasure 1998.3 yuan / year, female treasure 1786.6 yuan / year!
The average monthly income of more than 100 yuan = up to 750,000 yuan for children's special diseases and up to 1.9 million for leukemia! The cost of a meal, giving children a high amount of protection for life, is very cost-effective, and the first echelon of cost performance!
4. Flexible choices to meet different budgets and needs
There are three options for the insurance period: 30 years, up to the age of 70, and for life, and families with a tight budget can choose to be insured for 30 years, and it is better to have a sufficient budget for life.
At the same time, there are many options for payment periods, including single payment, 5/10/15/20/30/35 annual payment; The minimum insured amount is 100,000 yuan and the maximum amount is 700,000 yuan.
The premium is as low as 237 yuan/year, and the options are very flexible, and you can match different plans to meet different budgets. Families with different needs.
3. Write at the end
After the upgrade of Beijing Life Bumblebee No. 11 Children's Critical Illness Insurance (All-round Version), the basic liability is not bundled with multiple critical illness claims, and the choice is more flexible; Leukemia protection is increased, up to 460% of the basic sum insured + 200,000 leukemia medical insurance benefits! This upgrade is undoubtedly excellent, responsible and practical!
The upgraded Bumblebee No. 11 (all-round version) has better coverage, higher payouts for severe diseases such as leukemia, and unlimited payouts for malignant tumors - severe, faster payouts! The price is affordable, with an average of more than 100 yuan per month, and leukemia can pay up to 380% of the basic sum insured!
In short, this product is well upgraded, the protection is stronger, the price is affordable, and the first echelon of the cost-effective market, which can be chosen by children with confidence.
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