The following sister will give you an in-depth evaluation! The following article can help you get familiar with medical insurance in advance. If you don't know, let's take a look:
Please be careful when you encounter these medical insurances! 》
1. What is the guarantee for Huatai children's super power?
As usual, before the evaluation, we intuitively understand the products through the protection map of Huatai Children's Super Insurance:
1, Huatai Children's Super Insurance Insurance Rules
This Huatai Children's Super Insurance is a micro-medical insurance, which supports people born over 30 days-17 years old. The warranty period is almost 1 year, and it will be renewed every year. There are two kinds of waiting time. The waiting period for hospitalization is 60 days, and the waiting period for children with specific diseases is 90 days. As we all know, the insurance company will not pay for the insurance during the waiting period.
Huatai Children Super Insurance can be reimbursed by social security 100%. If it is not within the scope of social security, only 60% can be reimbursed, and the proportion of claims with social security insurance will be high. Therefore, it should be done as soon as possible two months after the birth of the child. The reimbursement rate will be higher and the premium can be discounted.
2. The guarantee content of Huatai Children's Super Insurance
(1) Hospitalization medical security
If you pay attention to hospitalization, Huatai Children's Super Insurance will be very good. No matter what kind of hospitalization or accidental hospitalization, medical expenses can be reimbursed as long as they are generated in social security and reasonable. The maximum insured amount is 50,000, which can meet the needs of families with children.
(2) Children's special disease protection
Huatai Children's Super Insurance Company * * * underwrites 12 kinds of children's high-risk special diseases, among which leukemia, the king of children's cancer, is included, with a maximum compensation of 500,000 yuan. Small medical insurance, like the one on the market, can only reimburse some minor illnesses and cannot enjoy the protection of children's special diseases. Therefore, compared with other small medical insurance on the market, Huatai Children's Super Insurance is particularly commendable.
(3) accidental death/disability protection
Huatai Children's Super Insurance is responsible for accidental death and disability. You should understand that China Banking and Insurance Regulatory Commission stipulates that the maximum death insurance premium for the insured under 65,438+00 years old is 200,000 yuan. Suppose you start from the Extreme Edition. If you are under 10, you can't get the 500,000 death insurance money.
Second, what are the advantages and disadvantages of Huatai children's superpowers?
1, Advantages of Huatai Children's Super Energy Insurance
(1) The reimbursement conditions are good.
Huatai Children's Super Insurance has no deductible. Once the child is ill and needs hospitalization, the medical expenses are reasonable and necessary and do not exceed the insured amount. The number of claims can be countless times. Self-funded drugs can be reimbursed 50%. If the resistance is weak, it is easy to get sick and hospitalized, and the baby's resistance is poor. Therefore, this Huatai children's super insurance is worth buying.
The less deductible, the less medical expenses we have to bear. What do you think of deductibles? Is the less the better? Interested friends may wish to open the following link to browse:
What is the deductible? Is the deductible as small as possible? 》
(2) Flexible protection scheme
Huatai Children's Super Insurance has set up three protection plans, and the basic version can be said to be the most cost-effective, as long as 332 yuan a year. If the family conditions are better, then you can start with the exclusive version of 500,000 coverage. Different people can choose unequal protection plans according to their current economic situation and needs, which is excellent.
2. Disadvantages of Huatai Children's Super Insurance
(1) No renewal is guaranteed.
Huatai Children's Super Insurance does not guarantee renewal. If you have any physical abnormalities or a history of claims, there will still be a renewal review in the second year, or you may not renew your insurance, which is risky. If you buy a product that is guaranteed to be renewed, whether your health is abnormal or not, whether you make a claim or not, even if the product is no longer sold, we can still renew the warranty. Only a stable product can make you feel suitable.
(2) Long waiting time
The shortest waiting period of this Huatai Children's Super Insurance is 60 days, but the waiting period of many medical insurances on the market is 30 days. After the waiting period, the warranty will be officially guaranteed, so the shorter the waiting period, the better, and the better for us.
Generally speaking, Huatai Children's Super Insurance is not very cost-effective. Although its guarantee content is good. However, it does not guarantee renewal and cannot provide stability guarantee. And the waiting period is a bit long. So, on the whole, it is not worth buying.
It is best to choose the micro-medical insurance with more comprehensive protection and higher cost performance in the market:
Ten Small Medical Insurance Worth Buying for Children! 》
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