China Life Corning Baby Children s Insurance, leukemia is not covered by the reimbursement

insurance advice; 1.When buying insurance for your child, you should first consider whether the adult is adequately protected, and don't put the cart before the horse.

2.Don't ignore local insurance policies, such as whether there is medical coverage for the elderly and the young.

2.Children's insurance, based on the basis of protection, then talk about education funds.

3.In terms of protection, accidents, critical illnesses, and medical treatment must be considered.

4.There are three types of children's insurance in the market: dividend, universal and investment-linked, and it is recommended to choose the first two.

5. Insurance planning, do what you can, don't deviate from the reality of affordability, then it is not insurance. Best, solve whatever you can? Don't aim for a one-step solution.

6.Remember the additional exemptions!!

6.Buying insurance for your children, don't plan too much for a rainy day, and plan your life, which is very unrealistic. Treat it rationally and do what you can. You can set short-term, medium-term, and long-term financial goals, but if you don't ask for them all, reverse the order, and it will be a mess and a waste of money.

7.First of all, we must clearly understand the above needs and rules, and then select a qualified ** person, which is very important and very important, and then choose an insurance company.

It is recommended to communicate with ** people in detail and verify with multiple parties, after all, face-to-face communication is the most practical and effective way.

Leukemia is a malignant tumor that is covered by the insurance.

1. Education fund insurance money: The insured person is 18-29 years old, and the education fund will be paid according to 15% of the basic insurance amount every year;

2. Entrepreneurship insurance: The insured is 30 years old, and the entrepreneurship fund will be paid according to the premium paid (excluding interest);

3. Death benefit. In the event of death before the age of 18, the premium paid or the current price will be paid; In the event of death after the age of 18, 105% of the premiums paid will be paid.

Children's insurance is a type of children's insurance.

Coverage: 28 days old - 15 years old.

Insurance Period: Effective Date - 30 years old;

Payment period: 3 years, 5 years, 10 years;

How about Chinese Shou [Corning 2019], is it good or not, is it worth buying?

Here it needs to be said,Children's insurance is one of the types of children's insuranceInsurance, also known as life and death insurance, means that if the insured dies, there is compensation; If the insured is still alive after the expiration of the insurance period, he can still give the maturity insurance money, you may not know much about this, so let's take a look at what medicine is sold in this China Life Corning baby gourd.

Let's take a look at the product content (see picture below):

From the product content, we can see that this product has two main highlights:

1) 18-29 years old to receive a survival fund, mainly to solve the child's first half of the life of the higher education during the university, the working period of entrepreneurship and the marriage leave when starting a family, to put it bluntly, this is still the result of their own savings, due to return only;

2) The premium waiver solves the problem that no matter whether the parents are present or not, they can leave a large amount of definite growth for the healthy growth of the child**; This premium waiver is essential for many critical illness insurance products, and it is not too much of a highlight in the strict sense.

However, the disadvantages are also very obvious:

(1) Critical illness insurance coverage is not comprehensiveIt seems to cover diseases, special illnesses and death, but it is indeed a soulless critical illness insurance, such as critical illness, moderate illness, mild illness is vaguely divided, and cancer is not in place. You can compare what the real critical illness insurance on the market looks like

Top 10 Popular Critical Illness Insurance Points Worth Buying!

(2) It has the ability to pay and returnWe know that insurance is the first word, buying insurance is buying protection, and the savings of critical illness insurance with return type is not very significant, rather than that, it is better to buy a pure protection critical illness insurance, and then a savings annuity insurance is cost-effective. You can make a horizontal comparison with the rate of return of annuity insurance, and you will have the answer in your heart

Top 10 Annuity Insurance Points Worth Buying!

The former is the main insurance, the latter is the additional insurance, the former can be bought separately, and the latter must have the former to buy.

Chinese Life Insurance Co., Ltd. ****, established on June 30, 2003, its business scope includes life insurance, health insurance, accident insurance and other life insurance businesses.

Chinese Life Property Insurance Co., Ltd. **** is a national professional property insurance company jointly initiated and established by Chinese Life Insurance (Group) Company and its Chinese Life Insurance Co., Ltd. ****, with a registered capital of 8 billion yuan, and its business scope includes property loss insurance, liability insurance, credit insurance and guarantee insurance, short-term health insurance and accident insurance, reinsurance business of the above business, and the use of insurance funds permitted by national laws and regulations. Other businesses approved by the China Insurance Regulatory Commission.

18-29 years old: 15% of the sum insured per year.

At the age of 30, a lump sum payment is the premium paid for the main insurance.

It also includes 36 critical illnesses and 2 specific diseases.

It depends on whether it meets your insurance needs, and if it does, it is a good insurance that I hope will help you.

。There are always a lot of people asking whether Corning is worth buying, and in the early hours of yesterday morning, I carefully studied Corning's terms and wrote a detailed review:Is Corning Critical Illness Insurance for Chinese Life worth buying?

What are the pros and cons? You can take a look.

The advantages and disadvantages of the ace product of Chinese Life are clearly written. Because it has been written in detail in the manuscript, I won't spend too much time introducing it here, but I will briefly say two words:

1. What are the contents of Corning's coverage?

2. What are the advantages of Corning Critical Illness Insurance?

1. Sufficient protection: Returning to the most basic protection design, minor and critical illnesses can be paid once each, not only the types of minor illnesses have reached 50, but also 7 specific critical illnesses have been added, and an additional 50% of the sum insured can be paid, and the protection is basically sufficient;

2. After all, Chinese Life is a big brand and has enough service outlets, which is the advantage of Chinese Life itself that cannot be beaten;

3. The insurance age is extensive, up to 60 years old;

3. What are these shortcomings, must you be careful before buying Corning?

To be honest, although Corning has many advantages, it also has a lot of disadvantages, such as the compensation ratio for mild illnesses, which does not reach the level of excellent critical illness insurance, and when we look at the situation in the market, most of the critical illness insurance has achieved a compensation ratio of more than 30%, but Corning only pays 20%, which is slightly lower. In addition, although there are a lot of diseases covered, there are still some deficiencies, and I have written about the loopholes in other termsBig brother Chinese Shou shot again, Corning got it, and the guarantee was all there? You only know when you see it!

In addition to Corning, I also compared the hot-selling critical illness insurance products of major companies on the market this year, because the article is too long to show, you can check out this articleEssence Collection: 10 Critical Illness Insurances I Recommend！It objectively recommends more cost-effective critical illness insurance.

Hello, Corning Baby's main insurance is covered up to the age of 30.

From the age of 18 to 29, you can receive 15% of the sum insured

At the age of 30, you will receive a maturity payment (equivalent to the premium paid, which can be understood as a return to the principal), but China Life's Corning baby also has another of its most trump card additional insurance, and the purchase of Corning baby can give away a China Life Xin account, which can save money and withdraw money, and it is calculated at the average interest rate on a daily basis and settled monthly. If you don't withdraw your previous money, or you deposit excess money into this account, use this account to manage your finances, and whether you can receive money for life depends on your own operation. Because the account that is given away is valid for life, it is as valid as a bank account.

Insurance only guarantees, and participating insurance has dividends, and it is uncertain, and there is no interest.

Chinese life has always been popular among the people, so is its ace product Corning good?

Over the weekend, I took a closer look at Corning's product and wrote a detailed product analysis reportIs Corning Critical Illness Insurance for Chinese Life worth buying? What are the pros and cons?

You can take a look.

It carefully analyzes the protection content, advantages and disadvantages of Corning critical illness insurance, and points to pay attention to before purchasing. Because it is written in great detail, I will only give a brief introduction here:

1. What exactly does Corning protect?

2. What are the advantages of Chinese Life Kangning Critical Illness Insurance?

1. Sufficient protection: Back to the most basic protection design, the protection for critical illness and mild illness is relatively comprehensive, not only the types of minor illnesses have reached 50, but also 7 specific major illnesses have been added, and an additional 50% of the sum insured can be paid, and the protection is basically sufficient;

2. After all, Chinese Life is a big brand and has enough service outlets, which is the advantage of Chinese Life itself that cannot be beaten;

You can apply for insurance at the age of 60, and the insurance age is wide;

3. What are these shortcomings, must you be careful before buying Corning?

To be honest, although Corning is backed by Chinese Life, there are still many shortcomings, such as the proportion of minor illness compensation, which does not reach the level of excellent critical illness insurance, and now most of the critical illness insurance on the market has a minor illness compensation ratio of 30%, but Corning only pays 20%, which is slightly lower. In addition, although there are many diseases covered, there are still some deficiencies, and I have written about other shortcomingsThe ace critical illness insurance of Chinese life is so complicated! In addition to Corning, I also compared the hot-selling critical illness insurance products of major companies on the market this year, because the article is too long to show, you can check out this articleEssence Collection: 10 Critical Illness Insurances I Recommend

Hello! The child is almost 1 year old, and you must first take out the urban resident medical insurance, which is the most basic protection. After that, consider commercial insurance.

Children's commercial insurance is mainly divided into two parts: medical care and children's education. Among them, medical treatment mainly includes three parts: inpatient medical supplement, serious illness medical treatment and accident medical treatment. Children's education is a rigid demand, and the sooner you prepare, the better, but more or less depends on your own economic situation.

According to the term, it can be divided into long-term and short-term, the long-term can be guaranteed for life or seventy or eighty years old, and the short-term can be guaranteed until the end of adulthood. The specific plan should also be considered in combination with your ideas and actual needs. You can use the related articles as a preliminary reference, I hope to help you refer to:

The principle of five firsts and five lasts in planning insurance.

Buying a proper insurance policy for your child is a concern for every parent. 1.Due to the child's active nature, accidental injury and accidental medical treatment are the first purchases; 2.

Children are the hope of the family, hope that the son will become a dragon, and the daughter will become a phoenix is the greatest wish of the parents, so the child's education cost is an important expenditure for the future family, and the storage of education funds is a must, although insurance is not the only way, but insurance is the only best means of saving. Case for reference: How to buy insurance for your child?

2) Child's education allowance (2).

Spend a small amount of money to buy a serious illness additional hospitalization medical insurance plus an accident insurance, as for education, you should make an investment plan specifically for education rather than insurance planning. For example, if your daughter goes to college at the age of 18, the estimated annual cost is 50,000 yuan, and the total cost is 200,000 yuan for 4 years. Then you need to save 340 yuan a month from now on and make a portfolio with an annual return of 8% to complete this education plan.

Xueba talks about insurance, and teaches you to choose the best insurance for your child! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated, now for free, click to claim now.

How to buy insurance for your childThis problem has discouraged countless mothers and fathers who want to buy insurance for their babies, and then we will sort out the methods and ideas for buying insurance for their children! Follow these three criteria::

First, you must apply for the country's medical insurance!

Newborn medical insurance can be handled immediately after the child is registered, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, this is the basic security welfare given by the state, and it must be handled well.

Second, after buying medical insurance, you can fully configure critical illness insurance + medical insurance + accident insurance in commercial insurance.

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, which can not only solve the problem of medical expenses, but also solve many hidden problems caused by illness, such as children who delay their studies due to illness, and even some subsequent life losses, which require a lot of cash. Buying a pure protection critical illness insurance can just solve these problems in the future.

Let's talk about why we need to configure 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 a year, you can buy an insurance amount of 10,000 yuan, which is not expensive and very useful.

Finally, to configure an accident insurance, it is very cheap for children to buy accident insurance, as long as it is sixty or seventy yuan a year, you can buy 200,000 yuan of protection, don't look at the cost is not much, but the protection is a lot. Accidental death, disability and accidental medical liability of the child can be covered, and the cost performance is quite high.

Third, what insurance should not be bought for children?

Don't choose life insurance for your child, and try not to consider critical illness insurance with both liabilities attached. The specific reasons I know are in this answerDon't buy either type of insurance for your child! Comprehensive insurance strategy!

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 children to configure regular protection, 1,000 yuan per year can be fully configured, if you buy lifelong protection, it is only two or three thousand per year, which is very cost-effective.

That's all for me"I want to buy an insurance policy for my daughter"