When it comes to children's critical illness insurance,Bumblebee seriesIt has always been very cost-effective, comprehensive and very close to the people.
Recently, this series has been upgraded againHornet 10It's officially online! We also hurry up to evaluate a wave for you.
How is the guarantee of the new product, is it worth getting on the car, just read this article!
In this issue, we have the following contents:
Hornet 10, what's changed?
Bumblebee No. 10, is it fully covered for high-incidence diseases in children?
Hornet 10, is it worth buying?
Let's take a look firstWhat's new about Hornet 10 compared to Hornet 9? (See ** in red).
In terms of insurance rules, the two products have basically not changed, and the Hornet No. 10 has only been adjusted in the maximum amount of insurance that can be purchased in the 30-year version, with a limit of 500,000 for 0-2 years old and 700,000 yuan for 3-17 years old.
The main upgrade point is still focused on security, which is better than No. 9 on the whole, includingMultiple claims for critical illnesses, increased claims for children's special diseases and rare diseases, 2 new practical benefits, unlimited claims for cancer, and a higher proportion of additional claims for diseases.
Let's take a look at the detailed changes:
1. There are 3 mandatory guarantee upgrades
More critical illness payments
Hornet No. 10 critical illnessUp to 4 claims, with a maximum compensation of 750,000 yuan, directly turning the optional benefit of No. 9 into a mandatory benefit, and it is cheaper than the multiple compensation for additional critical illness on No. 9.
In addition, the 10th also has the following upgrades.
The number of claims for pediatric special diseases & rare diseases has increased, and the proportion of claims is higher
The number of claims on the 9th of the Hornet is 1 time, while the number of claims on the 10th has become 4 times, and the payout ratio has also been improved, and the protection is more powerful.
However, if the insurance is selected for 30 years, the payout will be lower on the 10th year of insurance.
In order to facilitate everyone's understanding, let's take the additional compensation for children's special diseases as an example to see what is the difference between the claims of the two products:
It can be seen that if the child suffers from leukemia for the first time, Bumblebee No. 10 can pay 100,000 more than No. 9, and if the child unfortunately suffers from severe hand, foot and mouth disease after an interval of 1 year, Bumblebee No. 9 will not pay any money, and No. 10 can continue to pay 1.1 million.
On the whole, the advantages of Bumblebee No. 10 are more obvious, and the additional compensation for rare diseases in children is also a similar logic.
2 new practical benefits
Cancer Extended Benefit:If you are diagnosed with a mild malignant tumor or carcinoma in situ first, and then a severe malignant tumor is diagnosed later, an additional 50% of the sum insured can be paid, which is available in all versions of Bumblebee No. 10 and only in the No. 9 version for life.
Leukemia Bone Marrow Transplant Insurance Benefits:If the child has leukemia and is inA bone marrow transplant before the age of 18 can pay an additional 50% of the sum insuredThis protection is still more practical, after all, leukemia is a childThe most common critical illnessBone marrow transplantation is also a common method.
2. There are 2 optional guarantee upgrades
Overall, both guarantees are pretty good after the upgrade, so let's take a look at the specific changes.
Illness is paid extra, and the benefit is more
Compared with Bumblebee No. 9 and No. 10, the disease can be paid 100,000 yuan more, and the moderate disease can be paid 50,000 yuan more, ** It will also be more expensive than 100 yuan, which is equivalent to increasing the amount and increasing the price.
Cancer allowance becomes an unlimited number of claims
For the first 3 times, the payout ratio is as follows:, with an interval of 1 year, and 50% on the 4th and subsequent intervals, with an interval of 3 years, and an unlimited number of times.
If the first critical illness is cancer, the benefit can be paid if there is still cancer after an interval of 1 year; If the first critical illness is non-cancer, the benefit will also be paid if the cancer is diagnosed after an interval of 180 days.
In general, the payout conditions are relatively friendlyWhether it is de novo** or diffuse metastasesAs long as the time interval is met, it can be paid proportionally, and it is cheaper than the 9th after the addition, so friends who want to strengthen their cancer protection can consider it.
After talking about the upgrade points, let's take a look at the coverage of this product for children's high-incidence critical illnesses.
According to the National Health Education Reader for the Prevention of Critical Diseases released by the Chinese Association of Actuaries, we have summarized 15 high-incidence critical illnesses in children.
Most children's critical illness insurance covers these 15 diseases, and some products will also list some diseases as children's special diseases, which can pay an additional amount of money.
Let's take a lookHornet 10How it performs:
Bumblebee No. 10 comprehensively covers 15 high-incidence diseases in children, and can be compensated for the most common diseases in minors, such as leukemia and severe hand, foot and mouth disease2.5 timesThe sum insured is better than similar products.
In addition, Hornet 10'sAdditional compensation for children's special diseasesThere is no age limit for this benefit, and there are additional benefits for the duration of the coverage, which is very good.
However, in the first year of insurance, it can only pay 16 times the sum insured, mind this can consider other children's critical illness insurance.
Below, let's take a look at how it performs compared to similar products.
We chose products such as Bumblebee No. 9, Qingyunwei No. 3, and Little Naughty No. 2, and compared the 30-year warranty and lifetime warranty respectively, let's see if Bumblebee 10 still has advantages:
1. Warranty for 30 years
Let's go straight to the conclusion:
Want a good value for money:Consider Bumblebee No. 9, comprehensive protection, **cheap, take 0-year-old male treasure as an example, choose basic protection, buy 500,000 insurance amount only 590 per year.
Want better protection:Consider Bumblebee 10, which comes with a cancer extension benefit, rightLeukemiaThis kind of high-incidence critical illness also has additional protection, ** is not much expensive, little naughty No. 2 is also good, if you want to add additional compensation, you can give priority, 30 years of protection, the amount of insurance is more sufficient.
Qingyunwei No. 3 is also good, you can choose to pay for 30 years, and you can pay for your own illness, and you can be guaranteed for the first 15 years.
2. Guaranteed for life
Let's go straight to the conclusion:
Only the basic coverage is considered:Preference is given to Little Naughty No. 2,**Cheaper than the other 3
I want to be more covered:Priority is given to Hornet 10 and Little Green Dragon 2, bothMultiple claims for critical illness, but the former's ** and overall protection are more advantageous, can be given priority, Xiaoqinglong No. 2 if the additional compensation of 60 years old, critical illness can be paid more, but ** will also be more expensive.
Qingyunwei No. 3 The overall protection is also good, and you can consider buying products from large companies.
Overall, the overall performance of Bumblebee No. 10 is good, and the protection and ** are still very good, if you just want to buy children's critical illness insurance, you can give priority.
If you want to know more about children's critical illness insurance, you canClick the card belowto make an appointment for a one-on-one insurance consultation service
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