What should I pay attention to in children s critical illness insurance?

Due to the emergence of global problems such as environmental pollution, the trend of serious illness at a younger age is becoming more and more obvious, and the risk of serious illness in children is also increasing. In addition to the young age of critical illness, children are also more likely to suffer from some high-incidence critical illnesses due to their weak immunity.

Critical illness insurance is one of the types of health insurance, so remember not to apply for it at will, and be sure to understand whether it is beneficial to your children. Daddy: Here is an evaluation article for your referenceChildren's Critical Illness Insurance Evaluation: Don't buy your child's critical illness insurance!

1. What issues should be paid attention to when choosing children's critical illness insurance?

1.Sum insured. When you buy critical illness insurance, you buy the sum insured.

Critical illness insurance is essentially income loss insurance. When a child is seriously ill, parents often have to give up their work to take care of their children; Coupled with huge medical expenses, it is a heavy financial burden for most families.

The sum insured of critical illness insurance is generally as high as possible, starting at least 300,000 yuan.

2.Coverage.

When buying critical illness insurance for children, you must choose one with complete coverage, especially for children's high-incidence critical illnesses, to cover as much as possible.

The safest is only when the most likely diseases are covered.

3.Premium. Critical illness insurance is generally more expensive**, so be sure to plan reasonably before you buy it.

Don't just go for the sum insured and the coverage, because the higher the sum insured, the wider the coverage, and the more expensive the premium.

Only when the coverage and sum insured are relatively up to standard, it is a reasonable plan to choose a children's critical illness insurance with moderate premiums.

Second, the dad summary

When we buy critical illness insurance for our children, we must not blindly follow the trend.

Everyone's insurance needs are different, if the budget is insufficient, we should first make the insurance amount higher, shorten the protection period, first do a good job of short-term protection, and then gradually improve the economic conditions after the improvement of economic conditions.

If you buy critical illness insurance for your child, pay attention to it.

1.High-incidence diseases in children should be fully covered

The 16 high-incidence diseases stipulated by the China Banking and Insurance Regulatory Commission are required to be covered by every children's critical illness insurance, because the incidence of these diseases is relatively high and the threat to the life and health of minors is relatively large.

When choosing critical illness insurance for their children, you need to pay attention to these high-incidence diseases for children and choose products with comprehensive coverage.

2.Choose as needed

The insurance of children's critical illness insurance must not be blind, but should be selected according to the needs of children.

3.Adults first, children second

Only if adults do not fall, is the most stable guarantee for children, if adults fall, children are not capable of taking on family responsibilities.

Therefore, before parents insure their children, they must first configure a complete protection insurance for themselves, and don't just care about the insurance for their children and forget about themselves.

Hello! Children's critical illness insurance generally covers major illnesses including: malignant tumors, leukemia, deafness in both ears, blindness in both eyes, major organ transplantation or hematopoietic stem cell transplantation, severe burns, severe aplastic anemia, etc.

What are the precautions for taking out children's critical illness insurance, it should be determined according to the specific situation.

1. Own physiological characteristics: Since the same type of critical illness insurance is not very different in terms of terms and conditions, consumers should first choose according to their own physiological characteristics.

2. Economic affordability: At present, a standard critical illness insurance is relatively expensive in the market.

3. Service: When choosing critical illness insurance, consumers should also consider the service quality of the insurance company and the professionalism of the salesman. The insurance company's service after insurance can be examined from whether it is convenient and reasonable in terms of claims, payment of renewal premiums, and changes in policy preservation.

Consumers can communicate with insurance companies to understand the regulations of various insurance companies in these aspects before applying for insurance.

When purchasing critical illness insurance, you should pay attention to the specific requirements to purchase critical illness insurance. Suggested read:

When configuring critical illness insurance for children, many parents are easy to walk into the misunderstanding of children's critical illness insurance, and accidentally buy insurance that is not suitable for their children

Under the new rules of critical illness insurance, the purchase of critical illness insurance is recommended!

1.What is the sum insured?

As can be seen from the figure, if the child unfortunately suffers from cancer, it will cost at least 300,000 yuan, and if it is suffering from leukemia, which is a high incidence in children, it will cost millions to transplant bone marrow. During the child's illness, one of the parents also has to put down work to take care of the child, which is inevitably a sharp decline in the family's economic income, and after the cure of the serious illness, the child's homework and nutrition need to be made up through a certain way.

In this way, the amount of insurance for children to buy critical illness insurance is at least 300,000, and the premium for buying critical illness insurance for children is not expensive, so you should take this opportunity to increase the amount of insurance as much as possible, just in case. How the amount of insurance should be determined, the senior sister has made a detailed introduction in this article, you may wish to understand:

How much insurance is appropriate? Let's talk about the doorway inside

2.Term or Lifetime?

If the budget is really insufficient, the senior sister suggests that the sum insured should be appropriately reduced, and the insurance amount should be given priority to life and include death benefits, and the sum insured can be added after the economic conditions are improved.

3.Priority for children when configuring insurance?

In fact, the correct configuration order should be adults first, then children. If adults are not protected, children cannot be protected. If adults fall down due to accidents, illnesses and other reasons, the family economy will be seriously damaged, not only need high medical expenses, but also seriously reduce family income**, children's lives will lose economic security, and it will be difficult for children to obtain high-quality living and education conditions in the future.

How do adults buy insurance? Everyone should have their own plan

In addition, when insuring the child, it is important to choose the policyholder waiver option to ensure that the child can continue to be covered by insurance if the parent is incapacitated due to death, total disability or serious illness.

In this era of anxiety, especially when it comes to seeing a doctor, sometimes you need to worry not only about yourself, but also about your children.

In addition, with the continuous improvement of living standards, everyone's awareness of insurance is getting stronger and stronger, and after having children, they will consider configuring insurance for their children.

Insurance, like milk powder, has basically become a must-have for children.

So today, Zhu Baojun will talk to you about the issue of equipping children with insurance.

1. The sum insured should be sufficient

It is recommended to purchase at least 500,000 yuan for children's critical illness insurance. The main role of critical illness insurance is to make up for the loss of income, just imagine that once a child is hospitalized**, how can it not need parental care?

Many parents have to quit their original jobs in order to devote themselves to their children, and the family suddenly loses a stable income**, and at this time, the child needs to be treated, and the cost is also a big expense.

Like children's leukemia, malignant tumors, and malignant lymphoma are all high-incidence critical illnesses, if the child unfortunately suffers, the cost is as high as hundreds of thousands, so the child's critical illness insurance amount must be bought high, then the meaning of protection is not much.

2. Priority is given to multiple claims for critical illness

We all know that if you buy a single claim critical illness insurance, once the insurance is out of the insurance, if there is no other liability attached, then the contract will be terminated after the claim is settled, and it will be very difficult to buy critical illness insurance after that.

Because it is difficult for a body that has suffered from a serious illness to pass the strict health notification before applying for insurance, it is useless to regret it at that time.

The future of children is still very long, and one critical illness protection is not enough, in the case of sufficient economic budget, it is best to give priority to the critical illness insurance with multiple claims, so that the protection of the child is in place, so that parents can be more assured.

3. Comes with children's special illness insurance

Whether critical illness insurance is good or not, the content of the protection is very important, and children's special illness is a critical illness that children are prone to suffer.

When purchasing critical illness insurance, you must pay attention to the content and compensation of children's special illness insurance.

Everyone's insurance needs are different, but your child's insurance should put protection first.

If the budget is insufficient, we should first make the sum insured high, put the protection in place, and finally consider some highlights of the product.

If you think about it, if the protection is not in place, the gimmicks of those bells and whistles in the product will not be able to pull us when the child is at risk.

Turnip greens, each with their own love. You can build a security system for your children according to your actual situation.

If you buy critical illness insurance for your child, pay attention to it.

Since the high-incidence types of children and adults are different, it is necessary to see whether it includes some specific high-incidence diseases in children when buying critical illness insurance for children.

What should I pay attention to when buying critical illness insurance?

In order to help your child avoid the risk of various diseases, it is necessary to purchase a child critical illness insurance for your child, and you can choose the right product according to your family's financial situation, your child's physical condition, and your protection needs. Here are a few things you need to pay attention to before you apply for insurance:

1. Families with certain conditions can consider buying a critical illness insurance for their children in advance. The advantage of this product is that it can be paid as long as the diagnosis of the critical illness specified in the contract can be paid, and there is no limit to the scope of out-of-pocket or out-of-pocket expenses, and a high amount of cash can be directly used for the child's illness**.

2. Children's critical illness insurance is usually designed by different insurance companies to add some common critical illness types to the six common types of critical illness, such as Kawasaki disease with heart injury, acute polio and other high-incidence critical illnesses in children.

3. It is best to choose the type of insurance with additional exemption function when purchasing children's critical illness insurance, that is, if the parent, as the policyholder, unfortunately dies, becomes totally disabled or suffers from a critical illness within the specified range, the remaining unpaid premiums of the child's policy can be waived, and the insurance contract will continue to be valid.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Xueba said insurance, teach you to buy insurance for your children and not be pitted! This year, the comparison table of 136 hot-selling juvenile critical illness insurance has been updated, click to claim now, I believe it can help you.

How to buy insurance for your childThis question has stumped many parents, today let's take a look at how to buy insurance for children! Follow these three points:

First, medical insurance must be handled well, which is the basic guarantee of the people!

Neonatal medical insurance (medical insurance for urban and rural residents) is a national basic insurance, and children should be handled immediately as soon as they are born.

Second, if you plan to buy commercial insurance, critical illness insurance + medical insurance + accident insurance, this is my advice to you.

First of all, critical illness insurance, which provides a relatively long period of protection. In addition, critical illness insurance can pay a large amount of cash directly after getting sick, in addition to being used to treat the disease, it can also solve other associated problems, such as the delay in studies caused by medical treatment and some subsequent life losses, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance can just solve these problems in the future.

Look at 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, the sum insured of 10,000 yuan, and the annual premium is only one or two hundred yuan, which is not expensive and very useful.

Finally, when it comes to accident insurance, it is very cheap for children to buy accident insurance, with an annual protection of 200,000 yuan, only sixty or seventy yuan, which can fully protect the child's accidental death, disability and medical expenses caused by accidents, which is very practical.

Third, don't buy both types of insurance for your child!

Don't assign life insurance to your child, and try not to choose critical illness insurance with both liabilities. The specific reasons I know are in this answerWhy is it so hard to buy child insurance? You'll know when you see it!

has been introduced in detail, because it has been written in detail in the manuscript, so I won't spend too much time introducing it 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 done, if you buy lifelong protection, it is only two or three thousand per year, and the cost performance is quite high.

That's all for me"What should I pay attention to when applying for children's critical illness insurance?"

If you buy critical illness insurance for your child, pay attention to it.

If you buy critical illness insurance for your child, pay attention to it.

If you buy critical illness insurance for your child, pay attention to it.