Little Bee No. 5** Accident Insurance is online, and the underwriting company, like Little Bee No. 3, is still Pacific Property Insurance.
The basic protection responsibility is not much different from that of Little Bee No. 3, but it has two more very practical features and can provide value-added services.
Hospitalization for removal of internal fixation after accidental fracture:If an accidental fracture occurs during the insurance period and internal fixation is performed, the costs associated with the removal of the internal fixation in the hospital will still be reimbursed within 540 days from the date of the fracture.
Injury repair scars caused by animals:During the insurance period, a scar that has been directly injured by an animal and left one of the following conditions ( Facial scar area of 1 cm or single linear scar length of 2 cm;If the total scar area of other parts of the body is 4 cm or the length of a single linear scar is 8 cm), the medical expenses for repairing the scar in the general department of a public hospital of the second level or above can still be reimbursed within one year from the date of the accident.
In addition, Little Bee 5 offers very useful value-added services.
Little Bee No. 5 is an upgrade of Little Bee No. 3, but the health notice, insurable areas, and exempt hospitals are all the same, so No. 5 can be given priority.
But if you are between the ages of 56 and 60 and want to buy 500,000 insurance coverage, you can only buy Little Bee No. 3.
Maybe more people have another question at this time: which is better, Little Bee 5 or Big Armor 5?This needs to be done in 2 steps.
Step 1: Which one can you buy?
It's not like you can buy whatever you wantYour age, occupation, health status, and place of residence must meet all the requirements.
Age
Little Bee No. 5: 300,000 for 18-60 years old, 500,000, 1 million and 1.5 million for 18-55 years old.
Big Armor No. 5: 300,000 is limited to 18-55 years old, 500,000, 1 million and 1.5 million are limited to 18-50 years old.
If you are 56-60 years old and want to buy 300,000 or 51-55 years old and want to buy 500,000 1 million 1.5 million insurance, you can only choose Little Bee No. 5.
Occupation
Both Little Bee No. 5 and Big Armor No. 5 are limited to Class 1-3 occupationsHowever, the division of certain occupations is not the same.
For example, a taxi driver, Little Bee No. 5 refuses insurance, but can buy Big Armor No. 5.
Health status
Both Little Bee 5 and Big Armor 5 have health notices, and you can only buy them if there are no abnormalities mentioned in them.
For example, if the amount of past accident insurance has exceeded 3 million, then you can't buy Big Armor No. 5.
Another example is high blood pressure level 2 and above, then you can't buy these two products, and it doesn't matter how good they are.
Habitual residence
The place of residence affects two aspects, the amount of insurance you can buy, and whether the local hospital is exempted.
The insured amount of 1 million 1.5 million Little Bee No. 5 and Big Armor No. 5 have restrictions on the insured area, requiring long-term work or living in the following areas.
For example, if you live in Hohhot, Inner Mongolia, and want to buy a high insurance amount, you can only choose the 1 million version of Big Armor No. 5.
In addition, Little Bee No. 5 and Big Armor No. 5 are exempt from liability in some hospitals in some areas, that is, accidents, outpatient, hospitalization, hospitalization allowance, fracture allowance, etc. generated by these hospitals are not compensated.
For example, if you live in Pingdingshan, Henan, then buy Big Armor No. 5, because Little Bee No. 5 is exempt from liability to all hospitals in Pingdingshan.
For example, if you live in Baoding, Hebei Province, then buy Little Bee No. 5, because Big Armor No. 5 is exempt from liability to all hospitals in Baoding.
To sum up, which one is good is secondary, the key is which one you can buy.
If you can buy both, which one you choose depends on how much coverage you want to buy.
Step 2: How much sum insured do you want to buy?
Both Bee 5 and Armor 5 are available in 4 versions each, and the differences between the different versions are different.
Buy 300,000 sum insured
Unfortunately, there is no accidental hospitalization allowance for the 300,000 sum insured of these two products.
If you are between the ages of 56 and 60, you can only buy Little Bee No. 5 with an insurance amount of 300,000.
As for the rest of the ages, I myself prefer Big Armor No. 5, after all, the special protection pays more.
But if you care about the deductible of 100 yuan or fancy value-added services, then choose Little Bee No. 5.
Buy 500,000 sum insured
With an insurance amount of 500,000 yuan, it is recommended to buy Little Bee No. 5 because Big Armor No. 5 does not have accidental hospitalization allowance.
Buy 1,000,000 sum insured
51-55 years old to buy 1 million insurance amount, can only choose Little Bee No. 5.
As for between the ages of 18 and 50, which one to choose, Little Bee No. 5 or Big Armor No. 5, the key depends on your preference for special protection and value-added services.
If you fancy accidental ICU hospitalization allowance, additional compensation for death disability while driving a bicycle, and additional compensation for total disability, then choose Big Armor No. 5.
If you find that the removal of internal fixation and value-added services after accidental fractures are more attractive to you, then choose Little Bee No. 5.
Buy 1,500,000 sum insured
Due to the large armor No. 5 with an insurance amount of 1.5 million, the additional compensation for disability and total disability in the accidental death of a bicycle has been cancelled, resulting in a lot of its competitiveness.
Similarly, if you want to buy 1.5 million insurance for the age of 51-55, you can only choose Little Bee No. 5.
As for the 1.5 million versions of the Little Bee 5 and Big Armor 5 for other age groups, I still recommend choosing the Little Bee 5.
Special reminder: No matter which version you buy, be sure to choose a good occupation, check the health notice, and check the exempt hospitals.
Although accident insurance is cheap, it is by no means just a matter of buying one.
Similar to medical insurance, which is better than the accident insurance of Little Bee No. 5 or Big Armor No. 5 is also secondary, provided that your age, occupation, health status, and place of residence can buy which one is suitable for you.
For example, if you live in Kaifeng, Henan, no matter how good these two products are, you should not buy them, because they are exempt from liability to all hospitals in Kaifeng.
It makes no sense to talk about which product is better in isolation from your actual situation, and it is a waste of time for you to compare and compare.
To put it bluntly, it's not you who choose the product at all, it's the product that chooses you.
Little Bee No. 5