Last week, Shenlan Insurance Laboratory evaluated Bumblebee No. 7 Children's Critical Illness Insurance. Today we will talk about another Bumblebee No. 7.
However, this "bee" is not the other "bee". Today, this product is called "Bumblebee No. 7 Children's Hospitalization Allowance Insurance Long-term Version" (hereinafter referred to as Bumblebee No. 7 Allowance Insurance). The claim threshold for is very low, and you can compensate for one day of hospitalization.
Today we will take a look at what this hospitalization allowance insurance is covered. Also, check out the two Bumblebee No. 7 models of , which one is more worth buying.
Bumblebee No. 7 allowance insurance, what are you covered?
Bumblebee No. 7 allowance insurance is a new product of Junlong Life . You can compensate on a day when you are hospitalized, with a maximum of 180 days a year. There are three options for the insured amount of this product, namely, 100, 200, and 300 yuan per day. Taking the compensation of 300 yuan as an example, we have sorted out the specific guarantees of this product: the claims threshold for
Hornet No. 7 allowance insurance is very low, does not have a deductible number of days, nor does it have a limited claim for diseases.
Whether it is due to a disease or accidental medical treatment, you must be hospitalized for treatment, and you can apply for a claim based on the number of days of hospitalization.
In addition, this product has the following two characteristics:
. You can compensate for serious illnesses by additional
This hospitalization allowance insurance is also divided into serious illnesses, mild symptoms, moderate symptoms and specific diseases of children. If you are hospitalized for these diseases, you can compensate for additional 100%~300% according to the number of days of hospitalization .
If you are treated in the intensive care unit (ICU), you can compensate for an additional 500% every day.
If the child is hospitalized for leukemia for 60 days, of which 5 days are treated in ICU. Then you can pay for this hospitalization:
General ward plus intensive care unit , and this hospitalization will be compensated for a total of 115,500 yuan.
After compensation this time, the guarantee can continue. and because this product comes with an insured exemption from , you don’t have to pay the subsequent premium.
. There was no claim in the past few years, and the coverage can be increased.
If there is no hospitalization claim in a few years after insured, then the daily claim amount for the first time can be increased:
- No claim in the first three years: single-day coverage for the fourth year increases to 125%. For example, 300 yuan a day bought will be increased to 375 yuan a day.
- No claims were made in the first 6 years: the single-day insurance amount of in the seventh year increased to 150%, for example, the daily insurance amount bought at 300 yuan per day increased to 450 yuan per day.
It should be noted that after the insured amount is increased, if a claim occurs, then the single-day insured amount will be restored to 100% starting from the next year.
This product also has The insured person exempts This optional guarantee. If you are unfortunately diagnosed with serious illness, moderate illness, mild symptoms, etc., you don’t have to pay the premium. The child’s protection is still valid, so you can consider adding it.
From the perspective of protection, Bumblebee No. 7 allowance insurance is pretty good. So can this hospitalization allowance insurance replace critical illness insurance ? Let's continue to analyze.
If you have other questions about the protection of this product, or if you are not sure whether it is suitable for your children, you can comment or send a private message to us, and there will be a professional planner to answer one-on-one answer.
Bumblebee No. 7 subsidy insurance, can it replace critical illness insurance?
Let’s take Bumblebee No. 7 Children’s Critical Illness Insurance as an example to make a brief comparison with Bumblebee No. 7 hospitalization allowance insurance.
By comparison, you can see the advantages of this hospitalization allowance insurance:
- claims threshold is low: No matter how serious or minor illnesses, you can compensate for one day of hospitalization.
- Extra compensation for serious illness: is hospitalized for serious illness as agreed in the contract. While paying for general hospitalization allowances, you can also pay extra compensation.
- ns the number of claims: is not limited to the number of hospitalizations during the protection period, but it is limited to 180 days per year.
Let’s take a look at the comparison with critical illness insurance. The shortcomings of this product are:
- Insufficient insurance for serious illness: Taking the treatment of critical illness and 180 days a year in hospital as an example, it can compensate about 160,000 yuan; while critical illness insurance can compensate 700,000 yuan in one lump sum.
- guard period: can only be covered for 20 years or 30 years, which is not as long as critical illness insurance, and can be covered until the age of 70 or life.
Overall, this hospitalization allowance insurance can compensate for the income loss of parents' leave to accompany their children during the hospitalization period. But if you encounter a serious illness, your risk resistance is not as good as that of a serious illness insurance.
Therefore, hospitalization allowance insurance cannot replace critical illness insurance.
Before considering this hospitalization allowance insurance, it is recommended to give your child a critical illness insurance with sufficient coverage and coverage period, as well as a million-dollar medical insurance and accident insurance.
If you have a budget after these insurances are allocated, you might as well consider allocating a Bumblebee No. 7 allowance insurance with a low claim threshold, which can add icing on the cake.
Answers to questions and solves problems
Many friends don’t know much about hospitalization allowance insurance, so they are a little confused. We have sorted out two common questions to answer them here.
Q1: As long as you are hospitalized, can Bumblebee No. 7 allowance insurance be compensated?
is not necessarily the case, only if meets the conditions.
If the doctor diagnoses that it must be hospitalized for treatment, the ward where he is staying is also the official ward of the hospital, and the admission and discharge procedures are completed, compensation can be made.
But be careful, if it is not a formal ward, such as an informal ward such as an outpatient and emergency observation room, it will not be compensated; other unreasonable hospitalizations, such as discharge standards but no discharge procedures are completed, will not be compensated.
Q2: After this product is claimed, can other insurances still be compensated?
points mainly depends on whether meets the claims conditions at the same time .
This product is a payment type insurance, not a reimbursement type. If the claims are met at the same time, the compensation can be superimposed. For example, if the child is diagnosed with leukemia and is hospitalized for treatment, the following claims can be made:
- million medical insurance: reimbursement of medical expenses that meet the conditions.
- critical illness insurance: claims critical illness insurance. Some products list leukemia as a special disease in children and can pay an additional compensation.
- Hospital allowance insurance: Receive hospital allowance based on the number of days of hospitalization. Leukemia is a critical illness and a special child disease in Bumblebee No. 7 allowance insurance, and 600% of the insurance can be paid. If you are staying in the ICU ward, you can also pay extra.
If you are hospitalized for some minor illness or accident, the cost does not exceed the deductible amount of medical insurance for one million yuan and does not meet the claims requirements of critical illness insurance, then these two types of insurance will not be compensated.
at the end
The moment when he became his parents, God gave us a weakness.
We started working harder and wanted to give our children better protection.
But I want to remind everyone that only by protecting yourself first can you have the ability to protect your children.Therefore, before configuring various insurances for your child, it is best to check whether your protection is complete.
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