In the area of critical illness insurance for children's Internet celebrities , there are mommies and babysitters from previous years. In recent years, Qingyunwei No. 1, Huixin'an, Bumblebee, etc. have sprung up like mushrooms after a rain. It also gives parents a lot of choices.
Originally, there was nothing easy to evaluate about Internet celebrity critical illness insurance. It is very cost-effective and very homogeneous. If the child is healthy, he can basically close his eyes and enter the state. But the critical illness insurance for children introduced today by Internet celebrity "Beijing Life Bumblebee No. 7 Children's Critical Illness Insurance (All-round Edition)" can be called the king of insurance plans. To what extent is
rolled up? Today Kevin will analyze it immersively with everyone.
⃣️Company introduction
⃣️Insurance liability and product highlights
⃣️Comparison with other Internet celebrity critical illness insurance products
⃣️About the review standards of health notifications
⃣️How to make claims
⃣️How to insure
⃣️Company introduction
Beijing Life Insurance is composed of 9 shareholders, each shareholder’s The backgrounds are very strong.
Among them, the top three major shareholders are Shunxin Holding Group, Beijing Supply and Marketing Cooperative Investment Management Center and Hanjian Group. ’s upper-level units are Shunyi District Capital Management Center, All-China Cooperatives (ministerial level), Fangshan District Hancunhe Town Economic Cooperative. This fully shows that it is managed by the Beijing Municipal Government.
The Huimin Insurance "Jinghuibao" that we are familiar with in the Beijing area was first popularized and launched by Beijing Life Insurance. In addition, Beijing Life has many familiar social roles. On the 70th anniversary of the National Day, Beijing Life borne the insurance premiums of all participating people as high as 14 billion.
is still very influential in the imperial capital.
⃣️ Insurance liability and product highlights
Then let’s take a look at the insurance liability in the previous picture.
So what are the highlights of this product?
There are actually quite a lot of them. Kevin took everyone to summarize the eight highlights in a long article.
. The price is good.
Hornet No. 7 has been upgraded in terms of limit and liability, but the premium still has not fluctuated much. It has fluctuated 1%-4% compared with the price of No. 6. The maximum compensation for serious illness is 60% more, and the cumulative compensation is +150% more than that of No. 6. It's equivalent to buying an extra critical illness protection at an extra price of 1%-4%, so the premium can be said to be better at higher volume and price!
Then let’s look at the rate changes on the 6th and 7th from “includes death” and “excluding death”.
. Wide coverage.
Bumblebee No. 7 covers high-incidence childhood special diseases and rare diseases. The additional compensation ratio is higher and there is no age limit. Children can enjoy lifelong protection. Compared with Qingyunwei and Huixin'an, this is still slightly better.
The second thing is that Bumblebee No. 7 has a wide coverage. First of all, it is reflected in the high incidence of serious diseases in children. The serious diseases that are high in children are different from those in adults. When choosing, Kevin suggests that it is best to use these criteria.
(1) Whether the high-incidence species covers all
Select the high-incidence species that covers all, you can see the table below for comparison.
(2) The compensation ratio must be sufficient
Even if the disease coverage is comprehensive, the compensation ratio is low, which is not particularly meaningful for the treatment of children.
Take leukemia as an example. According to the "Survey Report on the Survival Status of Poverty-stricken Children with Leukemia in China", leukemia is a disease that requires long-term treatment. It usually takes 2-3 years and the required treatment cost is 100,000-300,000. Bone marrow The cost of transplantation is 300,000-1 million.
Leukemia treatment takes years, and requires multiple hospitalizations during this period, which requires strong financial strength. Generally speaking, it is better to pay an additional benefit of 100% or even higher than the basic insured amount for specific diseases of children.
(3) Long-term coverage
Children are prone to certain diseases, which may also occur in adults. It would be better if the coverage period is longer.
Beijing Life Bumblebee No. 7 Children’s Critical Illness Insurance (All-round Version) is eligible for the specific diseases of children.
Hornet No. 7 basically covers it, and it also pays more than Huixin'an and Qingyunwei. At the same time, Qingyunwei is missing two diseases, and Huixin'an is missing a very common disease. At the same time, these two products also have age restrictions on children's high-risk diseases, so overall, Bumblebee 7 provides more complete coverage and has no risk. There is an age limit, and children can enjoy lifetime protection!
Secondly, the wide coverage of Bumblebee No. 7 is also reflected in the high incidence of mild and moderate illnesses, and the high incidence of mild and moderate illnesses is fully protected.
Basically all high-incidence diseases are covered, so we don’t have to worry about whether there are pitfalls in the terms. Compared with the other two products, the other two products lack more diseases, especially Qingyunwei also lacks the very high-incidence moderate coma. , so it is relatively unfriendly.
. Guaranteed and practical
Critical illness claims can also be compensated for mild/moderate illnesses.
Under normal circumstances, according to our understanding in the past, for single-time critical illness insurance (that is, a critical illness that pays out once), after the critical illness compensation is paid out, the policy will be terminated and the protection will disappear. However, for serious illnesses that do not limit this clause, compensation can be paid for unrelated minor illnesses after the critical illness is paid out.
For example, if you get cancer first, and then cause third-degree burns in a smaller area due to an accident; the accident leads to the loss of a single limb, moderate coma, etc.; the latter is a minor illness not related to cancer to obtain compensation. In fact, after suffering from a serious illness, the immunity and resistance are not as good as before, and there is a probability of suffering from moderate or mild illness. At the same time, it also reduces the burden of not being covered by the serious illness compensation to a certain extent, at least for the moderate and mild illnesses. The protection for minor illnesses is still there. Children may also encounter different accidents and diseases during their growth, and you need to help your children avoid risks in advance.
Bumblebee No. 7, after settling the claim for severe illness, it can also compensate for mild illness and moderate illness once, and you can claim 30%/60% more of the insured amount, making the liability more practical!
. Wide coverage
Bumblebee No. 7 provides more generous and practical compensation for a variety of mild/moderate children with high incidence!
The following is an excerpt of the high-incidence diseases of each Internet celebrity critical illness insurance for comparison. For more details, please consult Kevin.
. Critical Illness Multiple Benefits
Since the launch of Critical Illness Multiple Benefits, people who like Critical Illness Multiple Benefits praise it for its humanity, while those who don’t like it think it is just a gimmick, and in fact, it cannot be compensated at all. Here I want to say that this issue still needs to be looked at from two aspects.
Among the diseases covered by most critical illness insurances on the market, at least the above definitions are relevant. For example, leukemia is a malignant tumor that requires bone marrow transplantation in its later stages, and bone marrow transplantation is a serious illness, etc. This is the difference between the definition of critical illness in critical illness insurance and the medical definition, and it is also the possibility of multiple claims for critical illness.
The bottom line is that the compensation standards of critical illness insurance are not necessarily all "diseases". Some physical conditions, such as the deep coma mentioned in the pictures above and below, may require surgery.Another example is major organ transplantation or hematopoietic stem cell transplantation (referring to the allogeneic transplantation of kidney, liver, heart or lungs due to corresponding organ failure. Hematopoietic stem cell transplantation (leukemia case).
And these definitions, Some of them are related to each other, and some are different states of disease development.
The picture below shows the following table, which was screened out by Mr. Dora, a well-known person in the industry, after communicating with fellow doctors: Among the diseases covered by most critical illness insurance on the market. , at least the above definitions are related. For example, leukemia is a malignant tumor that requires bone marrow transplantation in its later stages, and bone marrow transplantation is a critical illness, etc. This is the definition of critical illness insurance and the medical definition. The difference is also the possibility of multiple compensation for critical illness.
In addition to the critical illness itself, protection after critical illness is also particularly important. In particular, children who are raised by the whole family will have a long life, and protection after critical illness is even more important. Forward-looking.
There is a strong correlation between the conversion of critical illness, and it is possible to have multiple hits.
Let’s take a look at the highlights of multiple critical illness compensation:
. Multiple compensation for serious illness, 3 times without grouping, the multiple compensation amount is high, and the compensation is 120%/130%/150%, which can truly help families alleviate the urgent need of high-cost treatment of serious illness, and at the same time, it can also be paid without grouping. Increase the probability of multiple critical illness compensation.
The most important thing is that critical illness multiple compensation is a rare critical illness insurance without three clauses on the market. Currently, there are thousands of products on the market. You can count them all on one hand. One of the Bumblebee 6s does not have three clauses, and the premium is cheaper than other liabilities without three clauses. Therefore, this liability is very good, and serious illness has been compensated many times. The probability is greatly improved.
. The optional severe cancer care fund makes the liability upgrade more practical.
In addition to the optional additional multiple critical illness benefits, the cancer care fund compensation liability of Hornet 7 is also full of sincerity. 3 years after the tumor, if a malignant tumor is diagnosed again (including recurrence, metastasis, new onset and continued treatment), 120% of the basic insured amount will be paid. It also fixes market bugs and covers non-cancer...
First: As we all know, today’s critical Disease insurance covers 100 types of diseases. Malignant tumors are a top priority.
Look at the annual claims data of insurance companies. Cancer accounts for more than 70% of all critical illness claims. In other words, if a claim for the critical illness insurance we buy occurs in the future, there is a 70% chance that it will be cancer. This shows that the number of people suffering from cancer who apply for claims is quite large.
Second: Next, let’s look at “cancer 5-year survival rate”. So what is the current 5-year cancer survival rate in China? Let’s look at the data from 2018. The 5-year survival rate of malignant tumors has increased from 30.9% 10 years ago to 40.5%. This is a big improvement! There is also a quantum leap in breaking down each type of cancer.
Cancers with significantly improved survival rates include: thyroid cancer : increased from 67.5% to 84.3%; uterine cancer : increased from 55.1% to 72.8%; cervical cancer : increased from 45% to 59.8%, etc.
Of course, the 5-year survival rate of 40.5% is an average result. Looking at it this way, the difference in 5-year survival rates is quite large. But it can be seen that even after a few years, the 5-year cancer survival rate in China has improved greatly! We have reason to believe that with the advancement of medical technology in the future, China's 5-year cancer survival rate will definitely be greatly improved. So cancer ≠ death. The survival rate of many cancers is still very high. Coupled with the rapid development of medical research and development and treatment technology, one day in the future, cancer will be just a minor illness like a cold to us, and many people can really survive. Living with cancer for life.The 3-year interval is also very scientific and reasonable. Looking at the increasing 5-year survival rate of cancer, how can the secondary cancer compensation not be practical?
Third, perhaps more attentive parents will discover a problem. The secondary cancer benefit does not mean that you can get the benefit as long as you live for 3 to 5 years after getting cancer. The prerequisites to obtain the second cancer benefit are: the cancer persists, recurs, metastasizes, or is new. There are also interval requirements. Therefore, we have to explore another question, that is, after the three-year interval, is the probability of cancer persisting, recurring, metastasizing, or developing new cancers? This item is indeed quite important. At present, our country has not found any official statistical data on this, but some research and compilation done abroad can illustrate certain problems and can be used as a reference.
(1) Cancer recurrence and metastasis
Recurrence and metastasis are two major problems in cancer treatment. They account for the majority of secondary cancer claims and are also the biggest killers of cancer patients. According to surveys, the probability of cancer recurrence and metastasis reaches more than 90%. 90% of these occur within 5 years of completing treatment, and 80% occur within 3 years. Therefore, the peak period of recurrence is within 3 years after the completion of anti-cancer treatment, the secondary peak period is between 3 and 5 years, and the "trough period" is entered after 5 years. Cancer patients who have survived the five-year "safe period" have only a 10% chance of recurrence. Such patients can be considered "clinically cured."
Therefore, the three-year interval between Bumblebee No. 6 did not evade responsibility. At the same time, it considered the risk of claims settlement and avoided the "peak period" of recurrence. It was just right.
(2) Persistence of cancer:
Different cancers have different development processes. For some cancers, the time span from early stage to late stage may be less than a year. Some develop more slowly. Taking breast cancer , which is highly prevalent in women, as an example, the span from early stage to late stage is as long as 5 to 10 years. If this state continues until the interval, compensation can be obtained. And the persistent state does not relapse, and the metastasis of the disease is fierce~
(3) New cancer
After suffering from cancer for the first time, a new cancer will appear three years later. The probability of people getting cancer twice in succession is simply not too low. But the low probability does not mean that this situation does not exist. We can see the probability data of secondary occurrence of malignant tumors in the figure below.
In this case, if the insurance coverage period is relatively long, you can definitely get the second cancer compensation. Kevin suggested choosing lifetime coverage for your children, as protection is the best. The additional secondary compensation for malignant tumors is really practical rather than psychological comfort.
. Rich optional responsibilities, worry-free and secure
What is the effect of the above two optional responsibilities of malignant tumor-severe insurance premium and critical illness multiple compensation liability?
Beijing Life Bumblebee No. 7 Children’s Critical Illness Insurance (all-round version) adds two responsibilities, and can pay for all four conditions, and not only these four conditions, moderate and mild illnesses are also still valid, giving more benefits to children Come feel safe.
. Free value-added service, medical treatment is more worry-free.
Under the influence of YQ, it is inconvenient to go to the hospital directly. You can consult through Figure 1.2 below.
At present, medical resources are in short supply. If you suffer from a serious illness, you can enjoy the Green Pass service for free, which allows us to arrange hospitalization as soon as possible, get treatment in time, and buy time for our treatment. Therefore, the free value-added service of Hornet 7 allows us to seek medical treatment more quickly. Peace of mind.
⃣️Comparison with other Internet celebrity critical illness insurance products
The insurance rules are : basically the same. If you want to provide high insurance coverage for your children, it is recommended to choose Bumblebee No. 7, Huixin'an, and Qingyunwei No. 1, but Xin'an The maximum insured amount is 500,000 for 0-3 years old, and 800,000 for 4-17 years old. However, there is no age distinction for Bumblebee No. 7 and Qingyun Wei No. 1, and the maximum insured amount is directly to 700,000/800,000, so be careful.
Basic liability : In terms of critical illness compensation, the basic liability of Bumblebee and Qingyunwei has additional critical illness compensation - which can alleviate the high treatment burden of critical illness! Huixin'an is an optional option, and additional compensation must be added. There is no limit on the number of separate episodes of Bumble Bee's mild to moderate disease, and the cumulative maximum compensation is 360%. Even if Huixin'an and Qingyunwei add additional compensation, Bumblebee can compensate up to 15% more than them. % or 60%, and Huixin'an's additional compensation requires a separate additional fee; several of Bumblebee's moderate symptoms are Qingyunwei's mild symptoms, Bumblebee raises the compensation for some mild symptoms to moderate symptoms, and the compensation threshold is low. The amount is doubled, and Zhongzheng pays one more compensation than Qingyunwei. Overall, the extra compensation is actually more than Qingyunwei.
Children's Special Illness : Bumblebee 7 and Huixin'an have better liability protection for children's special diseases. They cover a full range of diseases, pay out the most, and have additional compensation. Bumblebee 7's compensation for children's special diseases is relatively good. .
Death and total disability insurance : Qingyun Wei must be bound for death, and Huixin'an No. 7 of the Hornet is an optional liability, and the form is relatively flexible.
Multiple serious illness compensation : Hornet No. 7 and Huixin'an have more compensation times and amounts. The liability rate is relatively cheap and the multiple serious illness compensation of Hornet No. 7 does not have three clauses. Multiple compensation is practical. Strong; Qingyunwei's malignant tumors and critical illnesses must be bundled many times. The form is not flexible enough and the premiums are high, which will affect our low-budget insurance or additional insurance to a certain extent.
Secondary cancer compensation : Bumblebee 7 and Huixin'an can compensate for the first non-cancer situation, which is an advantage. Qingyunwei's malignant tumor compensation does not cover non-cancers. At the same time, Qingyunwei's malignant tumors and critical illnesses must be bundled many times. The form is not flexible enough and the premiums are high, which affects low-budget insurance or additional insurance.
Hospitalization allowance : Bumblebee 7 has the best hospitalization allowance protection, with no limit on illness and frequency, high compensation amount, and cheaper price, which is better than Huixin'an and Qingyunwei's protection.
Hornet, Huixin'an, and Qingyunwei have policyholder exemptions, and Hornet No. 7 policyholder exemption also supports intelligent underwriting and manual underwriting, which can bring longer-term effective protection to the entire insurance and provide non-standard customers with Admission quota.
So in summary, Hornet No. 7 is still as good as ever in children’s critical illness insurance, and it is responsible and resistant!
⃣️ Review standards for health notifications
The Hornet No. 7 product is so good, so many of our customers will definitely want to insure their children, so we all know that there will be a certain threshold when buying insurance, which is our health notification. Let’s take a look at the health notice of Bumblebee No. 6, We can see that the health notice of Bumblebee No. 7 is relatively loose, , so we cover a wider customer group.
Premature infants and low weight: directly insured for those over 2 years old. Most critical illnesses in children will ask about premature babies under three years old and low birth weight, so the age is relaxed here. If the child is over 2 years old when buying insurance, there is no need to inform about these conditions. Medical treatment behavior: does not involve abnormal long-term medication; medical treatment behavior: hospitalization/operation must be informed 7 days later. Children under 5 years old are often hospitalized for surgery and medication due to colds, pneumonia, influenza . This does not involve long-term medication abnormalities and hospitalization/surgery lasting more than 7 days. Only notification is required, rather than a one-size-fits-all approach, and the entry threshold is lowered. We only ask about abnormalities in babies under 2 years old, and generally ask about children under 3 years old.
Some common children's diseases are not mentioned: Neonatal jaundice, hand, foot and mouth disease, upper respiratory tract infection, acute gastroenteritis, acute pneumonia and chickenpox. However, we should pay attention here. For example, patients who contracted the disease in November last year In the case of acute pneumonia, if there are abnormalities in X-ray examination, even if the patient has recovered from treatment, the patient must be notified because there is a history of abnormal examination within 1 year. But don’t worry, we can use smart underwriting.
Intelligent underwriting for common childhood diseases can be applied for with one click as long as the corresponding underwriting conditions are met, making insurance more convenient, faster and time-saving.
⃣️How to make a claim
1. Report an accident
. Report the incident as soon as possible. Customers should make an insurance report as soon as possible after an insurance accident occurs and notify the insurance company through various channels so that the claims adjusters can provide insurance claim services as soon as possible. Assist customers in making claims applications, including prompting hospitals to visit, preparing information required for claim applications and other matters needing attention in claim applications, and providing customers with a full range of professional claims services.
. Make an insurance report through the following channels: (1) You can make an insurance report by dialing Beijing Life’s national unified customer service hotline 400-81-96677; (2) Official WeChat report: Search “Beijing Life Jingbaotong” on the WeChat official account "service account and follow it, click "Service Window" - "Transparent Claims" - "Claim Report" and enter the report information on the page. (3) You can check the claim service phone number of the local branch through the official website of the insurance company and report the accident.
. Select the reporter. The policy holder, the insured, the beneficiary, the insurance contract service personnel, and the relatives and friends of the insured person can all make an insurance report, but the reporter must know the details of the accident so that the insurance company can receive more comprehensive insurance accident information and better, Provide customers with high-quality claims services faster.
. When reporting a case, you need to provide: (1) The identity document information or insurance contract number of the insured person so that we can identify the insurance contract information; (2) The name of the reporter, the relationship between the reporter and the insured person, and the effective contact number of the reporter; (3) The name of the person who was injured, the time of the accident, the place of the accident, the hospital where he visited, the course of the accident, and a valid contact number.
2. Claim settlement channels
(1) Support online self-service reporting, self-service reporting path: follow the "Beijing Life Jingbaotong" official account - service window - transparent claims - personal business: claim settlement and report an accident;
( 2) Dial Beijing Life’s customer service hotline: 400819667 to report an accident;
(3) Apply for self-service claims through WeChat. The path for self-service claims: Follow the “Beijing Life Jingbaotong” official account - service window - transparent claims - personal business: Personal Insurance claim settlement and claim settlement application.
3. Service Commitment
. After the insurance company accepts the claim application materials, it will review whether it is insurance liability. Simple cases should be concluded in no more than 3 working days, routine non-investigation cases should be concluded in no more than 5 working days, routine investigation cases should be concluded in no more than 10 working days, and difficult and complex cases should be concluded in no more than 30 working days.
If the application is approved, the insurance company will pay the insurance premium to the account of the insured or beneficiary by transfer within 1-2 working days.
. If the claim application information is incomplete, the insurance company will notify you of the required information at one time to avoid repeated processing.
. For cases that cannot be compensated, the insurance company will issue a notice of non-compensation within 2 working days after the claim review is completed, and explain the reasons for non-compensation in the notice.
⃣️How to insure
Next, let’s take a look at the insurance rules for customers who want to buy this product. What should we pay attention to when buying insurance?
I believe that after reading the above detailed introduction, we will have a deeper understanding of Hornet 7.
Scan the QR code below to apply for insurance.
If you have any questions about insurance, you can also contact me.
