My friend is a salesman and recommended Huixin 'an Insurance to my son. It's good, but it's not reliable.

First of all, there are reliable insurance sales in the market, and there will also be unreliable insurance sales. But we only need to know one thing, as long as the policy takes effect, it is the insurance company that ultimately pays for our protection.

Therefore, the focus we need to pay attention to is not whether the insurance purchase channel is reliable, but whether the product guarantee and cost performance meet the demand.

Clear focus, let's take a look at this Huixin 'an critical illness insurance.

Huixin' an children's critical illness insurance has always been an explosive product of Harmony Health, and this time it was upgraded to Huixin' an (selected version). As for whether this product is good or not, let's look at the relevant protection.

Hui Xin 'an (Selected Edition) children's critical illness insurance covers the following contents:

Analysis on the advantages of Hui Xin 'an (Selected Edition) critical illness insurance for children;

1, flexible payment period

Huixin 'an (Selected Edition) children's critical illness insurance can be paid in batches and regularly, and the longest payment period can be 30 years.

There are also many products with relatively rigid payment years in the market, and flexible payment years are more beneficial to policyholders. Because the more choices, the more people can meet their payment needs.

So how to choose the payment period? This article explains in detail: how to choose the payment period so as not to lose money?

2. Mild and moderate diseases can be compensated many times.

Hui Xin 'an (Selected Edition) children with severe illness and mild illness pay 30% of the basic security, and moderate children pay 50%. Both mild and moderate diseases can be compensated many times.

Take the insurance amount of 500,000 yuan as an example, the mild illness can pay 1.5 million yuan, and the moderate illness can pay 250,000 yuan. This kind of protection is not inferior to other children's critical illness insurance products: domestic 1.36 popular children's critical illness insurance comparison table.

3, including children's special disease protection.

Like other children's critical illness insurance in the market, Huixin 'an (Selected Edition) children's critical illness insurance also includes children's special disease protection, covering 16 kinds of children's special diseases, and paying an extra 100% of the basic insurance amount.

Take the insured amount of 500,000 yuan as an example. If the insured is unfortunately diagnosed as a child with a special disease, it will eventually get a compensation of 6.5438+0 million, which is not bad.

4. Flexible choice of death liability

Hui Xin 'an (Selected Edition) Children's Critical Illness Insurance can provide optional death protection, and the insured can add it flexibly.

Huixin 'an (Selected Edition) children's critical illness insurance is not forced to bind the death liability like other products on the market, and it has more choices, which is worthy of recognition.

If the insured has no demand for death protection, then no death liability can be attached, which can further save the budget.

Judging from the current analysis, Huixin 'an (Selected Edition) children's critical illness insurance is indeed a good product. Moreover, compared with those products with a premium of tens of thousands of dollars, the cost performance is also good and can be used as an alternative.

However, if Hui Xin 'an (Selected Edition) children's critical illness insurance is compared with the "excellent class representative" of the children's critical illness insurance market-Mommy Bob's first edition, Hui Xin 'an (Selected Edition) children's critical illness insurance is still slightly inferior.

Take more targeted protection against childhood diseases. In addition to the protection for children's special diseases, Mommy Bao Bei Newborn Edition also has the protection for children's rare diseases.

The proportion of compensation for children's special diseases is 200% of the basic insurance coverage, and rare diseases are 300% of the basic insurance coverage.

Taking 500,000 yuan as the standard, children can pay 6.5438+0 million for special diseases and 6.5438+0.5 million for rare diseases, which is quite awesome.

And in terms of security content, Mommy Baby is also better. In addition to the basic protection of mild, moderate and severe diseases, there are multiple responsibilities such as secondary compensation for serious diseases, secondary compensation for cancer, accidental medical insurance for children, and accidental hospitalization allowance for children's vaccination, which can meet the needs of different parents.

Let's look at the cost performance. A 0-year-old boy buys a new version of Mommy Baby, with a coverage of 300,000 yuan, lifetime guarantee and 30-year payment, including death liability161yuan, which is several hundred yuan cheaper than Huixin 'an (selected version) children's critical illness insurance.

The detailed evaluation link of Mommy Baby Newborn Edition is as follows. If you want to fully understand this product, you can go and see: What are the advantages and disadvantages of the new Mommy Baby Newborn Edition?

Therefore, although Huixin 'an (Selected Edition) children's critical illness insurance can be regarded as a product with good cost performance and guarantee, if we pursue the ultimate cost performance, senior schoolmates still suggest starting with the new version of Mommy Bao Bei.