What are the recommendations for buying a children s critical illness insurance?

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 children's critical illness insurance has been updated

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What insurance should I buy for my child?

I don't know how many parents who want to give their babies comprehensive protection are stumped by this problem, today we will take a good look at what kind of ideas and methods should be followed to buy insurance for children! Keep these three points in mind:

First, take care of the medical insurance first!

After the child is registered, it is necessary to handle the neonatal medical insurance (urban and rural residents' medical insurance) as soon as possible, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, which is the basic security welfare given by the state, and it must be handled well.

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

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, which can not only be used to treat the disease, but also solve many hidden problems in the future, such as the delay in studies caused by medical treatment and some losses in subsequent life, which require a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems.

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, the insurance amount of 10,000 yuan is only 1,200 yuan per year, which is very cost-effective.

Finally, it is necessary to have an accident insurance, the child's accident insurance is very cheap, 200,000 yuan per year is only sixty or seventy yuan, which can protect the child's accidental death, accidental disability and accidental medical liability, which is cost-effective and practical.

Third, what are the insurance policies that are not recommended for children?

Don't assign life insurance to your child, and try not to choose critical illness insurance with both liabilities. I know the specific reasons in this articleHow to buy child insurance without being cheated? You'll know when you see it!

has been introduced in detail, because it has been clearly stated in the manuscript, I will not say too much here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, you can configure a full range of about 1,000 yuan per year, if you buy lifelong protection, it is only two or three thousand per year, which is very cost-effective.

That's all for me"What are the recommendations for buying a children's critical illness insurance? "All of them, I hope it helps you! Hope!

At present, there are many children's critical illness insurance on the market, and the "Health with e-Insurance (Children's Edition) Critical Illness Protection Plan" is recommended, which can cover 60 kinds of critical illnesses and 10 kinds of specific critical illnesses for children, and can be paid up to twice, with a maximum compensation of 800,000 yuan, and the insurance premium can also be waived for a longer period of time.

First, the amount of insurance should be sufficient, at least to transfer the risk, and it is recommended that the amount of insurance be at least 500,000 yuan. Second, give preference to consumer products, which are cheaper. Third, give priority to lifelong protection.

If you have a limited budget, choose 20 or 30 years to ensure that your child has enough coverage before independence. Since children's high-incidence critical illnesses are different from those of adults, when applying for critical illness insurance for children, it is also necessary to pay attention to whether there is an additional benefit function for children's high-incidence critical illnesses. For example, leukemia, encephalitis, severe hand, foot and mouth disease, and so on.

If you are buying critical illness insurance for children, then you can actually give priority to choosing consumer-oriented children's regular critical illness insurance. When the child grows up, he will change the product or supplement other guarantees according to his own situation. "Critical Illness Insurance** Table, Which Critical Illness Insurance is the Cheapest".

Reason 1: Insurance products are updated quickly.

As the insurance industry continues to grow, so does the competition among insurance companies. New products are constantly being updated and iterated. And it is obvious that the new product will always make some upgrades to the previous product, such as a wider coverage, more cost-effective and so on.

The new product has a lower premium and a higher sum assured. And this is only a change in a few years, so how will it change in the next 30 years, and who can **? If you have already purchased a whole life critical illness insurance, not only is it difficult to surrender the policy, but also because the premium of the whole life critical illness insurance is expensive, it will take up a correspondingly more budget, and if you encounter a good insurance product, it is inevitable that you will not be able to do it.

Therefore, from this perspective, the advantages of purchasing term critical illness insurance are relatively more obvious. Term critical illness insurance makes it easier for us to adjust our insurance allocation in a timely manner and increase the number of insurance products we need.

Reason 2: The development of medical standards.

With the continuous improvement of the world's medical level, many serious illnesses that were previously thought to be intractable have been alleviated. So can we think that in the next few decades, the critical illnesses we are afraid of now will also be overcome, and many critical illnesses may be redefined?

So is it worth it for us to use the high premiums that protect the whole life to protect against diseases that may be easily affected in the future?

Reason 3: The impact of inflation.

When shopping for long-term insurance, there is a topic that we can't get around and inflation. For example, the current 500,000 insurance amount seems to be a lot, but after twenty or thirty, how much will it depreciate?

According to the "Rule of 72", the time for the halving of purchasing power per unit of currency is about 20 years with inflation of 5%.

In other words, 10,000 yuan will only have the purchasing power equivalent to 5,000 yuan in 20 years.

If we insure the child with a critical illness insurance amount of 500,000 yuan when he is born, then according to the age of high incidence of critical illness, it is generally between 40 and 60 years old, and the purchasing power at that time is actually only about 6-120,000 yuan, which is roughly the same as the premium paid that year.

If you buy whole life critical illness insurance directly, the value of the depreciation will be even more. And according to the inflation rate in China in recent years, the average inflation rate is far more than that. From this point of view, the purchase of term critical illness insurance is in line with the actual situation of ordinary families.

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

You can buy a critical illness insurance specifically for children, or you can buy the same model as adults, and the critical illness insurance for children mainly includes some specific disease protection for children, you can see the protection content of the product.

Hello, there is an age advantage for children to buy critical illness insurance, and the sooner you buy it, the more cost-effective it is. And the sooner you can enjoy the protection, the current cost-effective children's critical illness insurance includes: Fosun United Mommy Baobei Children's Critical Illness Insurance:

Comprehensive coverage of critical illness, moderate disease, mild disease risk, can be attached to critical illness without grouping secondary compensation, 200% compensation for specific diseases in children, 300% compensation for rare diseases in children, and also expanded the protection of the new coronavirus, and the premium is super cheap, cost-effective, it is very worth insuring for children. For more advice on Sycamore Tree Insurance Network, there will be a professional insurance planner to answer your questions.

1. Light, medium and heavy are protected, and the amount of critical illness insurance will increase. The product covers 110 critical illnesses + 20 moderate illnesses + 40 mild illnesses, and in the first 11 policy years, the critical illness sum insured will increase by 20% of the basic sum assured every 2 years, and the basic sum assured will be increased by 100% in total, which can reach 200% of the basic sum assured. 20 types of moderate illnesses can be compensated for a total of 2 times, each time is 60% of the basic sum assured; A total of 3 claims can be made for 40 minor illnesses, each time is 40% of the basic sum assured, and the mild, medium and severe diseases are fully covered, and the protection is relatively comprehensive.

2. Additional compensation for children's special diseases. Huixin'an No. 3 will pay 2 times the basic sum insured for the first 6 years of 22 types of juvenile and children's multiple critical illnesses, and 1 times the basic sum insured will be paid for the first time when the insured is under 30 years old and the insured is under 30 years old from the 7th year. Multiple sepsis, brain tumors, lymphomas, and more severe Kawasaki disease are all included, and the specific illness rider can further transfer the financial pressure, and it is extremely important to cover the expenses of the child and make up for the damage to the family's annual income.

3. Two-way exemption is warm-hearted, and there is also personalized service. The product has a built-in beneficiary mild illness and moderate illness exemption, which can add the insured's critical illness, moderate illness, mild illness, death and total disability exemption, and the two-way exemption fully reflects the human care. At the same time, Huixin'an No. 3 can also enjoy a variety of personalized services after purchasing insurance, such as ** doctors, expert visits, inspection of urgent items, hospitalization ** and other critical illness green pass services to reduce the pressure of medical treatment.

There are also loyal user rights, and the purchase of insurance in the middle and later stages is guaranteed.

Common diseases of children's critical illness insurance generally include: sepsis, lymphoma, neuroblastoma, Wilms tumor, severe type I diabetes, severe reconstructive aplastic anemia, severe asthma, severe heart disease, severe cardiomyopathy, severe Kawasaki disease, severe brain injury, muscle weakness, severe hand, foot and mouth disease, severe Reye's syndrome, severe muscular dystrophy, osteogenesis imperfecta, severe point county, severe juvenile rheumatoid arthritis, Relatively serious hemophilia A and B, brain tumors, etc.

Not all common illnesses in children's critical illness insurance include all common critical illnesses in children, and the actual situation depends on the specific requirements of the commercial insurance contract text.

Critical illness insurance (commonly known as critical illness insurance) generally refers to the insurance company's personal behavior of the insurance company in accordance with the policy commitment to pay the guarantee when a specific critical illness, such as tumor, acute myocardial infarction, cerebral thrombosis and other diseases as a potential safety hazard, when the insured achieves the critical illness situation agreed in the insurance contract.

Generally speaking, children's critical illness insurance can choose the kind of insurance coverage with a high amount, so that there will be more reimbursement at that time, and children's critical illness insurance covers some diseases that children often commit.

I think it's better to buy critical illness insurance, not only with a wide range of coverage, but also for a longer period of time, including leukemia, tumors, very serious diabetes or severe asthma and heart disease.

We try to buy insurance from a large company like Life Insurance because it is easier to settle claims after an accident. Critical illness insurance covers leukemia and some major cancers.

Million Medical, Mommy Baby New Version, Fude Life Huibao Insurance, Perfect Life Guardian 2021, etc. are all children's critical illness insurance.

Now the insurance market is relatively perfect, suitable for children's critical illness, there are many insurance, but how to buy the most suitable children's insurance does not need to be solved in one sentence, because different children's critical illness insurance has different characteristics and advantages, the amount of insurance and the scope of protection are not the same, it is necessary to plan according to the policyholder and the child's own conditions, and come up with the most ideal purchase plan.

1. Fude Life Huibao Insurance

Children's critical illness insurance in addition to millions of medical treatment, there is also Fude Life Huibao Insurance, this insurance product covers a wide range of serious illness, and the compensation is large, in the special critical illness protection is better, it can be paid for the child's serious illness 5 times, and each time can do 100% compensation, but within the scope of the policy, mild illness is also within the scope of protection, you can enjoy three to four claims, this insurance has a variety of protection periods, different options for the amount of insurance premiums can also be flexibly mastered.

2. Perfect Life Guardian 2021

Perfect Life Guardian, 2021 is also a critical illness insurance suitable for children, it not only covers 25 kinds of children's critical illnesses stipulated by the state, but also includes many minor illnesses, after signing the insurance contract, if the child gets sick can get the corresponding compensation, and its protection time is particularly long, after insurance, illness before the age of 60 can be effectively paid. It is said that the payout for the first illness can be as high as 180%, which is a critical illness insurance suitable for children to buy for a long time, and has great advantages in terms of compensation strength.

3. How to buy the most suitable children's insurance

Children's insurance should be considered from many aspects to comply with the five major insurance principles, so that you can buy the most suitable children's insurance, first of all, the premium should account for about 10% of the family insurance amount, when choosing the type of insurance, it should be the first million medical treatment, then critical illness insurance, and finally accident insurance, but also to buy small medical insurance and outpatient insurance for children, family conditions are better, the budget is sufficient, you can buy lifelong major medical insurance for children, If you plan according to these conditions, you will know what kind of insurance is most suitable for your child.

Children's critical illness insurance includes Children's Comprehensive Medical Insurance, Taikang Little Genius Comprehensive Protection Plan, Health e-Protect (Children's Edition) Critical Illness Protection Plan, etc. Parents should find professional insurance companies to buy children's insurance for their children, such as Chinese Life, Ping An Insurance, etc., and do a comprehensive physical examination for their children before purchasing insurance to understand which disease insurance content is more concerned about.

What is the Children's Critical Illness Insurance? What is the best way to buy children's insurance? In fact, the topic of insurance is now very much discussed.

In fact, I think it is more reliable to buy children's critical illness insurance from a larger company. Like Ping An Insurance and Pacific Insurance, they will tell you about various services in detail. There are also charges.

All of them are more professional. This will allow you to avoid some pitfalls when buying insurance. Because the insurance industry is still relatively deep.

So find professional people to do professional things.