This article was first published on the public number [Mei Jie Detective Insurance]
Author: Wang Dongmei
Children's serious illness insurance [Hornet No. 5] has finally been launched on our platform, and it has recently been another popular Internet celebrity serious illness insurance. At the end of the work at hand, Sister Mei non-stop for everyone to evaluate and analyze:
How about Bumblebee 5?
What are the advantages and disadvantages?
Is it worth parents getting started?
<h1 class="pgc-h-arrow-right" data-track="5" > first look at the insurance rules and details:</h1>
<h1 class="pgc-h-arrow-right" data-track="65" > pros:</h1>
1. Comprehensive protection
Mild, moderate, severe, children's special and rare diseases, malignant tumor secondary claims, serious illness multiple claims, etc. are included!
2. Flexible coverage period
You can choose to stay for 30 years, 70 years or for life according to your budget and needs!
3. The number of major illness benefits is flexible
You can choose to pay multiple claims for serious illnesses, and the types of diseases are not grouped, and you can pay up to 4 times;
120% of the sum insured is payable for the second major illness, 130% of the sum insured for the third major illness and 150% for the fourth time.
4. Additional compensation for serious illness
30 years, with an additional 50% of the basic sum insured for the first 10 years;
70 years old/lifetime, with an additional 50% of the basic sum insured for the first 30 years.
5. High proportion of moderate illness compensation
Bumblebee Moderate Illness Pays 60% of the Sum Insured, which is higher than most moderate illness benefits.
6. High incidence and mild disease are more complete
Including high incidence of mild malignant tumors, mild sequelae of stroke, mild acute myocardial infarction, laser myocardial revascularization, coronary intervention, carcinoma in situ, pituitary tumor, cerebral cyst, cerebral hemangioma... Wait a minute.
7. Children's diseases
20 high-incidence children's specific diseases in the first 30 policy years of the additional 150%, that is, 250% of the sum insured;
After 30 policy years, an additional 100% of the sum insured will be paid, which is 200%;
Pediatric diseases include:
Leukemia, lymphoma, neuroblastoma, nephroblastoma, brain malignancy, severe aplastic anemia, severe asthma, severe myocarditis, severe Kawasaki disease, severe epilepsy, severe sequelae of meningitis, severe type 1 diabetes, severe hand-foot-and-mouth disease、......
8. Rare diseases in children
10 rare diseases of children are covered with an additional 200% of the sum insured, which is 300% of the sum insured.
Rare diseases contain:
Pulmonary lymphangiomyomatous disease, infantile progressive spinal muscular atrophy, alveolar protein deposition, severe multiple sclerosis, Wilson's disease, cerebral malaria, intramedullary tumors, pneumosporosis pneumonia, Fanconi syndrome, Eisenmenger syndrome.
9. Optional secondary compensation for malignant tumors
Malignant tumors account for about 60%-70% of major disease claims, Hornet No. 5, designed an optional liability secondary payment, the interval of 3 years, including recurrence, metastasis, new onset, continuation, pay 100% of the sum insured.
10. Death and total disability liability can be selected
It is flexible to decide whether to attach death and high disability liabilities according to demand and budget. Of course, the budget is sufficient, or it is recommended to choose!
11. Policyholder Exemption
If the insured is unfortunate enough to be diagnosed with mild, moderate, serious illness, or terminal illness, high disability, or death, the remaining premium will be waived! The policy remains valid as if it had been paid!
12. Exemption of the insured
Bring your own insured waiver!
<h1 class="pgc-h-arrow-right" data-track="66" > disadvantages:</h1>
1. Long waiting period
The 180-day waiting period is a little longer, so it's a good idea to take out insurance as early as possible!
2. The maximum sum insured is limited to 700,000, if you want to insure more than 700,000 sum insured, you need to insure multiple product combinations!
3. There are invisible groups for high incidence and mild diseases
Mild acute myocardial infarction, coronary intervention and laser myocardial revascularization, three to one.
<h1 class="pgc-h-arrow-right" data-track="68" > premium calculation:</h1>
Example: 0-year-old girl, insured 300,000
The coverage is 30 years, the payment period is 20 years, there is no optional option attached, and the premium is 384 yuan. An average of 1 yuan a day, super cost-effective, suitable for families with limited budgets;
The guarantee is lifetime, the payment period is 30 years, with all optional responsibilities attached, the premium is 2022 yuan; the average monthly 168 yuan, 5.6 yuan per day, most families can also afford it.
<h1 class="pgc-h-arrow-right" data-track="69" > written at the end:</h1>
Overall, this children's serious illness is also able to withstand the test of the market, and another Internet celebrity serious illness insurance [Mommy Baobei] is no different!
Of course, there are also some differences between the details, what is the difference between the two? Which one is right for you? Pay attention to [Mei Jie Detective Protection], the next article, let's talk about this problem!
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