Children's Critical Illness Insurance Recommended! Can you buy Hornet 11 (all-rounder)? Comprehensive review!

Beijing Bumblebee No. 11 Children's Critical Illness Insurance (All-round Version) has been asked crazy recently, and there are many people who buy it, and there are also people who hesitate if they don't understand the situation.

As an old IP, the Bumblebee series of critical illness insurance has always attracted much attention due to its product quality. In the first half of 2024, Hornet 10 is still selling in full swing, and it didn't take long to upgrade to 11. Upgrading so fast, is this No. 11 (all-round) guarantee really practical? What's the price-performance ratio? Can I buy it?

Today, I will mainly do a detailed evaluation of Hornet 11 (all-round version)! Friends who are concerned about children's critical illness insurance can come and take a look.

Key topics in this article:

·Is the upgrade of Bumblebee No. 11 Children's Critical Illness Insurance (All-round Version) practical?

· Where is the advantage of Hornet 11 (all-round version) in the market

· Written at the end

1. Is it practical to upgrade Bumblebee No. 11 Children's Critical Illness Insurance (All-round Version)?

Bumblebee No. 10 (all-round version) is already very well guaranteed, and it is the first echelon in the cost-effective market, so it has been selling well since it was launched at the beginning of the year. So where else can Hornet 11 (all-rounder) be upgraded? Is it useful to upgrade?

There are two main aspects of this upgrade, but it has a great impact on the overall policy cost performance.

1. Critical illness can be selected multiple times, and the choice is more flexible

Bumblebee No. 11 (All-round Version) basic critical illness is 100% of the basic sum insured for one claim, and the threshold for entry has become lower.

It's friendlier and more flexible for people who don't want to have multiple exacerbations or who are on a tight budget. This upgrade is of course practical.

2. Leukemia protection is increased

Leukemia Bone Marrow Transplant Benefit: An additional 80% of the basic sum insured will be paid for leukemia bone marrow transplant before the age of 18. Payout increased from 50% to 80%!

Leukemia is a relatively common malignant tumor in mainland children, and the cost of treatment is often tens of millions. Bone marrow transplantation is an important means of treating leukemia, and the cost is hundreds of thousands. According to the 2013 Survey on the Survival of Poor Leukemia Children in China, 62.6% of children who need bone marrow transplantation give up surgery because they cannot afford the high cost.

It is conceivable that the increase in leukemia bone marrow transplant insurance benefits is practical. Buy 500,000 basic sum assured, and the leukemia bone marrow transplant compensation is 150,000 more than before.

At the same time, the new leukemia treatment insurance is also added, which covers hospitalization expenses, special outpatient expenses, outpatient surgery fees, and outpatient and emergency medical expenses before and after hospitalization, and 100% compensation is paid by social security, and 60% compensation is paid without social security reimbursement, and the cumulative compensation amount is limited to 200,000 yuan.

Therefore, this upgrade is not tied to critical illness, and the choice is more flexible; The second is to increase the protection of leukemia, and the overall increase in the compensation of high-incidence critical illness leukemia. Both upgrades are very useful, so you can rest assured.

Second, what are the advantages of Hornet 11 (all-round version) in the market

Compared with other products in the market, what are the advantages of Hornet 11 (all-rounder)?

1. High payout

The level of claims for severe diseases such as leukemia is quite high, and the market is TOP!

First of all, there are 20 kinds of children's diseases, including leukemia, brain malignant tumors, lymphoma, severe Kawasaki disease and other diseases, which are all serious diseases with a high incidence in children, and the cost of treatment is high.

Rare diseases, including 20 rare diseases such as pulmonary lymphangiomyomatosis.

For the first diagnosis of pediatric special diseases/rare diseases, an additional 60%/100% of the basic sum assured will be paid in the first policy year;

An additional 120%/200% of the Basic Sum Assured in the 2nd policy year, which is high or the same as similar cost-effective products;

In the 3rd policy year and beyond, an additional 150%/220% of the Basic Sum Assured will be paid, which is higher than similar products!

Therefore, from the 2nd policy year onwards, the payout ratio of pediatric special diseases and rare diseases is very advantageous.

At the same time, there is a higher amount of compensation for leukemia with a high incidence in children: leukemia bone marrow transplant insurance benefit, leukemia bone marrow transplantation before the age of 18, an additional 80% of the basic sum assured.

Then the maximum benefit for leukemia is: 100% for basic critical illness + 80% for leukemia bone marrow transplant + additional 150% for pediatric special illness + 80% for critical illness of disease care fund, with a total of 460% of the basic sum assured! Buy 500,000 and get a maximum loss of 2.3 million! The payout is leveraged, and the payout level is really high.

The cure rate of childhood leukemia is more than 80%, and the less you lose, the better the child's treatment. (Data source: The 4th Pediatric Oncology Research Summit Forum)

2. Good terms

For the first time, the choice is very flexible, and there are a variety of options for the protection period, payment period, and sum insured; The choice of insurance liability is flexible, the basic liability is not tied to multiple critical illnesses, not tied to death, the entry threshold is low, and you can freely match the plan suitable for your own situation.

The second is that the specific guarantee clauses are excellent. 90 days after the latest critical illness claim, the intermediate and mild illnesses in the same group as the diagnosed critical illness can continue to be paid until 6 times. Compared with other products, this product does not pay for mild to moderate illness or pays 1 time after the critical illness is paid, this product has a longer period of protection.

If the compensation for children's special diseases and rare diseases is high, and the critical illnesses are added multiple times, the two can be claimed up to 4 times in total, and can also be combined with critical illnesses for multiple times, and can also be combined with malignant tumors and severe medical allowances.

When the first critical illness is a malignant tumor, the malignant tumor recurrence, metastasis, and continuous treatment of the malignant tumor are only 365 days, and the compensation is faster than the product with an interval of 3 years, and the probability of getting compensation is higher. At the same time, you can also pay an unlimited number of times.

Overall, Hornet 11 (all-round) has excellent payout ratios, number of payouts, and payout intervals.

3. The price is low and cost-effective

0 years old insurance basic liability, the basic insurance amount of 500,000, 30 years of life:

1998.3 yuan/year for men, 1786.6 yuan/year for women

With an average of more than 100 yuan per month, the baby will be given 500,000 lifetime critical illness protection, with a maximum compensation of 1.25 million for children's special diseases and a maximum of 1.9 million for leukemia! The price of a meal is worth it to give children a high amount of protection!

With other solutions, the premium is also very affordable, and the first echelon of the cost-effective market.

3. Write at the end

The above is a detailed review of Beijing Life Bumblebee No. 11 Children's Critical Illness Insurance (All-round Version).

First of all, this upgrade, which does not bundle critical illnesses many times, and increases leukemia protection, which is very practical. Secondly, Bumblebee No. 11 (all-round version) has a high payout, with a maximum additional compensation of 150%/220% of the basic sum insured for the first time for children's special diseases/rare diseases, and a maximum of 460% of the basic sum insured for leukemia, which is the TOP series in the market for the compensation level! At the same time, the terms of this product are very good, and the compensation ratio, number of claims, and payment interval have advantages in the market; The price is affordable, 500,000 critical illness protection for life at the age of 0, paid for 30 years, as low as more than 100 yuan per month, and the overall cost performance is very eye-catching!

So on the whole, Hornet 11 (all-round version) has high payouts, excellent terms, and low price, and this upgrade is very useful, and you can start with confidence if you want to buy it.