Is there any need to attach to the special care fund for the children s version of Huixin an Health

Huixin'an Health Insurance Children's EditionYesKunlun HealthRecently launched a lifelong critical illness insurance product for children, which provides comprehensive coverage and is cost-effective. You can choose to pay 2 additional cancer benefits and special care money according to your needs, of which special care money is one of his highlights. Next, Deep Blue Jun will analyze with you whether it is worth adding?

First of all, let's talk about what is special care money, in this product, if you choose to add special care money, then what protection can you get?

Between the ages of 22 and 70, the sum insured for critical illness, moderate illness and mild illness is doubled.

It is equivalent to between the ages of 22 and 70, one ** buys two insurances, which solves the problem of additional insurance when the child grows up. To be honest, when I first saw this guarantee, I thought it was very good, but then I thought of a better solution, which is as follows:

This is a comparison table between a single-product plan and a combination planWe can see that if you do an insurance plan, you can not only get double the payout, but also better protection, ** and about the same. In this comparison, option 2 is more worth considering.

Option 1:Only between the ages of 22 and 70, the sum insured can be doubled for those suffering from critical illness, moderate illness, and mild illness, and it is not doubled before the age of 22.

Option 2:In addition, with the ultimate version of Kanghuibao, the insured amount can be doubled from 0 to 70 years old, and the protection time is longer, ** It is more than 100 yuan more expensive.

If the product combination plan is paired with Jiahe Critical Illness Insurance, which was launched by Guofu Life Insurance not long ago, the premium gap will be smaller. But Genor Bao has a limitation: 0-3 years old can only buy 200,000 yuan.

If you are not affected by this limitation, you can replace the product yourself and calculate your own premium. If you want to see a detailed review of Genor Critical Illness Insurance products, you can find it on the official website of Deep Blue Insurance.

Some friends may be curious, another additional benefit: how cost-effective is the 2nd claim for cancer?

After careful comparison, Deep Blue Jun found that the protection after adding this protection is not as high as the products of Genor, Super Mario 2020 Max, and Kanghuibao 2020, so you don't need to consider it.

After talking about the cost performance of additional protection, how about we return to the basic protection of this product itself?

The maximum insured amount of Huixin'an Health Insurance Children's Edition is 800,000, because the protection is very similar to Bumblebee No. 3, here is a look at it by the way:

Through this table, we can see that the protection of Bumblebee No. 3 Children's Critical Illness Insurance will be a little better, and the first 20 years of critical illness will pay 50% more for this coverage.

A detailed product review of Bumblebee 3 can be found on the official website of Deep Blue Insurance.

These two products are actually good, just choose according to your needs. For more information about the evaluation and program matching of children's insurance, please go to Deep Blue Insurance, Children's Insurance to see more articles.

Xueba said that insurance only helps families who really want to buy insurance for their children! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated, click on the blue word to claim it immediately.

How to buy insurance for your childThis question has made many parents think hard, today let's take a good look at what insurance should be bought for their children! Follow these three points:

First, take care of the medical insurance first!

After the child is born, as long as the household registration is registered, you can immediately apply for neonatal medical insurance (urban and rural residents' medical insurance), whether it is a major illness or a minor illness, basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, in addition to the basic insurance of national medical insurance, commercial insurance should also be considered, and critical illness insurance + medical insurance + accident insurance should be given priority.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to solving the first expense, it can also solve many follow-up hidden problems, such as delaying homework because of illness, and a lot of cash is needed to make up for it. Buying a pure protection critical illness insurance can solve these problems in the future.

Let's talk about medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, as long as one or two hundred yuan per year, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, you need to configure an accident insurance, the child's accident insurance is very cheap, as long as it is sixty or seventy yuan a year, you can buy 200,000 yuan of protection, which can protect the child's accidental death, accidental disability and accidental medical liability, which is very cost-effective.

Third, what insurance should not be bought for children?

Don't buy life insurance for your children, and try not to think about critical illness insurance with both liabilities attached. The specific reasons I know are in this answerHow to buy insurance for your child without being cheated? This guide tells you!

There has been a detailed introduction in , so I won't go into too much detail here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, 1000 yuan per year can be fully configured, if you buy lifelong protection, it is only two or three thousand per year, which is very practical.

That's all for me"Is Huixin'an Health Insurance Children's Critical Illness Insurance** high? "

If you want to buy this children's critical illness insurance, ** is not particularly high, probably between a few thousand yuan.

Hello, the overall protection of Kunlun Huixin'an Health Insurance is for children's critical illness, critical illness protection, mild illness protection, moderate illness protection, children's special illness protection, etc., which is a cost-effective children's critical illness insurance. For more information on how to choose children's critical illness insurance, I recommend you to read: "Children's Critical Illness Insurance Evaluation:

Don't buy your child's critical illness insurance! 》

Critical Illness Benefit: There are 110 types of critical illnesses, which are paid once and the basic sum assured is paid.

Yu Daddy Bao.

For example, if children have a high incidence of severe epilepsy, severe myocarditis, hemorrhagic Geden fever, intellectual disability caused by illness or accident, Kunlun Huixin'an Health Insurance can pay 100% of the basic sum assured.

Moderate Illness Mild Illness Benefit

Kunlun Hui Xin'an Health Care Critical Illness Insurance covers all mild illnesses with high incidence. The high incidence of mild symptoms is shown in the figure below.

Yu Daddy Bao.

There are 25 types of moderate illness benefit, which will be paid twice without grouping, without interval, and 50% of the basic sum insured will be paid each time; There are 50 types of mild illnesses in the Minor Illness Benefit, which will be paid 3 times without grouping, with no interval, and 30%, 35%, and 40% of the basic sum assured will be paid in order.

High incidence of specific diseases in childrenAs shown in the figure below:

Yu Daddy Bao.

The picture above shows the high incidence of children's specific diseases, Kunlun Huixin'an Health Insurance 20 kinds of children's special diseases, children's specific diseases benefit is an additional 100% of the sum insured, 1 claim, until the insured is 22 years old.

1.Cancer secondary benefit (optional).

The second benefit for cancer is divided into whether the first critical illness is cancer or not, and the interval is 180 days, and the interval between cancer is 3 years, and the compensation is 100% of the sum insured.

2.Special Care Allowance (optional).

This additional benefit is to double the sum insured for critical illness, moderate illness and mild illness if the insurance occurs at the appointed time.

Huixin'an protects against many diseases that children are prone to, including:

1.Malignant tumors: cancer, especially leukemia, is highly common in children, so I won't go into details.

2.Severe polio: poliomyelitis.

3.Severe juvenile rheumatoid arthritis: a common connective tissue disease in childhood.

4.Severe hand, foot and mouth disease: As soon as the outbreak of hand, foot and mouth disease in kindergarten is a class, and severe illness is even more terrible.

5.Intellectual disability caused by illness or accident: Children have insufficient awareness of self-protection and are prone to accidents.

6.Severe primary cardiomyopathy: Acute myocarditis is a group of heart diseases with a slow-onset, unspecified heart characterized by an enlarged heart and eventually heart failure.

7.Severe Reye's syndrome: a serious adverse drug reaction with a high mortality rate.

It is a rare disease in children that develops during a viral infection (such as the flu, cold, or chickenpox)**, and is important to take salicylic acid drugs (such as aspirin)**, which affects all organs of the body, but causes the most harm to the liver and brain. If left unchecked, it can quickly lead to liver and kidney failure, brain damage, and even death.

8.Hemolytic uremic syndrome: a syndrome characterized by hemolytic anemia, thrombocytopenia, and acute renal failure. It is mainly seen in infants and young children, but is more common in school-age children.

9.Osteogenesis imperfecta type 3: called brittle bone disease, porcelain dolls, children are prone to fractures, and minor collisions can also cause serious fractures.

10.Progressive rubella panencephalitis: progressive rubella panencephalitis is progressive neuropathy in children with congenital rubella and may be caused by reactivation of rubella virus infection.

Children with congenital defects caused by the rubella virus (e.g., deafness, cataracts, microcephaly, and mental retardation) develop in early adolescence and present with progressive spasticity, ataxia, intellectual impairment, and convulsions.

11.Severe Kawasaki disease: An immune system disease that occurs mostly in infants and young children, and is an acute systemic arteritis that even affects the coronary arteries of the heart, causing serious consequences such as myocardial infarction and aneurysm rupture.

To put it simply, immune cells do not do their job to kill bacteria and attack the blood vessels in their own body.

Double the sum assured for specific critical illnesses.

Hui Xin'an is right: leukemia,

Severe hand, foot and mouth disease

Intellectual disability due to illness or accident

Severe polio,

Severe juvenile rheumatoid arthritis

Severe myocarditis,

Severe Reye's syndrome

Hemolytic uremic syndrome.

The sum insured for 8 children's specific critical illnesses has been doubled to meet the **expenses and **costs** of some critical illnesses, which are not available in ordinary term critical illness insurance.

The only regret is that the high incidence of critical illness in children is not fully included in the disease, such as severe Kawasaki disease, which is also a high incidence of severe disease, only the basic high amount, and is not added to the specific disease.

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

Different insurance products vary, you can call your desired insurance company** for advice.

Yes, the sum insured for 8 specific high-incidence critical illnesses has been doubled.

Abstract] The probability of children suffering from critical illness is getting higher and higher, so it is necessary for Jiaqiao Chenchang to purchase critical illness insurance in advance, among which **An children's critical illness insurance is the right choice. So, how about Ann Children's Critical Illness Insurance? The product has the advantages of breaking through the upper limit of critical illness insurance, lower rates, the most cost-effective and children's exclusive critical illness, etc., let's take a look at the detailed introduction.

The Critical Illness Sum Assured exceeds the upper limit.

At present, when the incidence of critical illness in children is increasing year by year, and the medical expenses are increasing year by year, it is recommended to raise the insurance amount to more than 500,000 yuan when purchasing children's critical illness (medical expenses, follow-up care expenses and parents' missed work expenses), and Hui*An will increase the upper limit of critical illness insurance to 600,000, and double the payment for 88 kinds of critical illnesses with high incidence of children (that is, the limit is increased to 1.2 million), so as to avoid customers falling into the cycle of poverty due to illness or delaying or giving up due to high costs.

Lower rates and best value for money.

If you apply for **An Children's Critical Illness Insurance, the insured amount is 100,000, the protection period is 30 years, and the payment is 20 years. Then, the daily premium for a 0-year-old boy is 100 yuan, the premium for a 0-year-old girl is 102 yuan, the premium for a 2-year-old boy is 89 yuan, the premium for a 2-year-old girl is 92 yuan, the premium for a 5-year-old boy is 84 yuan, and the premium for a 5-year-old girl is 88 yuan.

Regular Critical Illness for Kids.

Juvenile critical illness has its specific scope, and the incidence probability of various major diseases is different at each age. For insurance companies, adding an insurance liability requires an increase in part of the premium, so children should purchase critical illness insurance for children. This product is a term critical illness insurance specially designed according to the specific and high-incidence critical illness of children's growth, which has more advantages in terms of rate performance and liability fit, and can better meet the needs of children.

How about Ann Children's Critical Illness Insurance? First of all, the insurance ceiling is increased to 600,000 to avoid customers falling into the cycle of poverty due to illness or delaying or giving up due to high costs; Secondly, compared with the same type of insurance products, it is cheaper and the product is cost-effective; Finally, this product is a regular critical illness exclusive to children, which can better meet the needs of children.