How to choose children s critical illness insurance and how to choose children s critical illness in

Although some critical illness policies include death benefit, the basic sum assured can only be paid when the insured person dies after the insured reaches the age of 18, and if the insured dies before the age of 18, only the premium paid will be refunded.

Therefore, when parents buy critical illness insurance for their children, they can choose to increase the amount of insurance and give their children adequate disease protection.

Are there any good critical illness insurance products on the market that are suitable for children? Of course, there are many children's critical illness insurance products on the market.

The above products can be insured by minors, and the protection is also good, which is suitable for children. How to choose, see what dad says:

The pursuit of cost-effective: Mommy Baobei.

There is no age limit for the protection of children's special illnesses under Fosun United Health, which means that the insured can receive additional compensation whenever he or she suffers from a special illness or rare disease. And the premium is also the cheapest among these products.

Pursuit of Critical Illness Protection: Jiabei Bao (Premium Edition).

If the insured is unfortunately diagnosed with a critical illness in the first 10 years and 20 years of the policy, an additional 60% of the sum assured will be paid, totaling 160% of the sum insured. If the policyholder insures this product for 500,000 yuan, the maximum compensation for critical illness is 800,000 yuan.

Pursue a high proportion of compensation for mild to moderate illness: Sunny Day Warranty Transcendence Version.

The compensation ratio of mild and moderate illness in the Sunny Day Warranty Superior version is relatively high, of which moderate illness can be paid twice, and 60% of the sum insured is paid each time; Minor illnesses can be paid 3 times, and 40% of the sum insured will be paid each time.

If you want to get covered early: Jiabei Bao (Premium Edition).

It can be seen that Jiabeibao (Premium Edition) has the shortest waiting period among these products, which only takes 90 days, which is equivalent to being guaranteed three months earlier than other products.

With the development of our society, all kinds of diseases that children are prone to, especially malignant tumors, are rising year by year, and children's health has become a major concern in the hearts of every parent. It is recommended that every parent should seriously consider taking out a critical illness insurance for their children as early as possible. What are the good recommendations for critical illness insurance, I just sorted out the relevant content, I hope it will be helpful to you:

Top 10 insurance companies are "worth buying" of popular critical illness insurance!

How to choose critical illness insurance for children

Children's Critical Illness Insurance, as the name suggests, is aimed at the protection of children suffering from serious illness, and at present, many companies in China have launched serious illness and critical illness insurance specifically for children. Children's health has always been the most important concern of every parent, and critical illness protection is an indispensable part. So, how to choose a critical illness insurance for children?

With the development of the times, as long as the children are born, there will be a medical insurance policy for children in the area where they are located. Experts suggest that parents first follow the basic social insurance, and then choose to buy commercial insurance, because it is a supplementary medical insurance, parents can join all the children's medical insurance policies in their area. What is the best coverage for children's critical illness insurance?

Which ones are cost-effective? Which one is the best to buy? Let's take a look at the inventory of the top 10 insurance companies that sell children's serious illness and critical illness insurance.

How to choose to apply for children's critical illness insurance, the first thing to pay attention to is what diseases can be covered by the insurance product, because the more types of diseases included, the higher the premium, and it will not be cost-effective to cover too many diseases with low incidence. At the same time, you must carefully read the terms and conditions, determine the type of covered illness, and fully understand the matters that are not included in the contract, such as congenital diseases and pre-insured illnesses are generally not claimable.

Experts remind parents to pay attention to whether the contract covers leukemia and whether there is a premium waiver function to ensure that the child can receive comprehensive protection when purchasing children's critical illness insurance.

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.

You can configure whole life critical illness insurance, with a premium of more than 2,000 a year, with an insured amount of 500,000, and if you meet the claim situation, the insurance company can pay multiple the insured amount, that is, 750,000. If you have another serious illness after one year, you can also pay a second time.

Product aside, let's look at the demand first. This includes health status, genetic history, and household income and expenditure, before moving on to product selection.

If you buy children's critical illness insurance, in case the child is unfortunately diagnosed with a critical illness, the insurance company will pay a considerable amount of compensation, and parents do not have to worry about financial problems, they can stay with their children with peace of mind and give them the most intimate care.

Without further ado, let's go straight to the conclusion:

The pursuit of the ultimate cost performance: Fosun Mommy Baobei.

If the insured is unfortunately diagnosed with a critical illness after applying for Mommy Insurance, 100% of the sum insured can be paid, and if the critical illness is a special or rare disease, an additional 200% of the sum insured can be paid.

Moreover, there is no age limit for its children's special illness benefit, which means that the agreed special illness and rare illness benefit will continue until the termination of the insurance contract (no insurance during the period).

Pursue a short waiting period: Jiabei Bao (Premium Edition).

Generally speaking, the waiting period for children's critical illness insurance is relatively long, and most of them take 180 days.

However, the waiting period of Jiabeibao (Premium Edition) is only 90 days, which means that your children can enjoy all its protection three months in advance, so as to avoid risks as soon as possible.

Pursue a high proportion of claims for the first mild to moderate illness: Sunny Day Warranty Beyond Edition.

It can be seen that the first compensation ratio for mild to moderate illness is relatively high, of which 60% for the first moderate illness and 40% for mild illness, both of which are higher than the compensation ratio of other models.

Children's critical illness insurance can provide critical illness protection for children, and it is necessary to configure insurance for children whose resistance is still relatively weak.

1. How to apply for children's critical illness insurance?

1.Don't blind select the duration of the insurance

Children's critical illness insurance on the market can be divided into fixed-term children's critical illness insurance and lifelong children's critical illness insurance.

2.Pay attention to the high incidence of diseases in children

Children are different from adults, and high-incidence diseases are different from adults, such as severe hand, mouth and foot and leukemia are major diseases with a high incidence in children.

3.The sum insured should be sufficient

Relevant data show that the average medical expenses of critical illness in China are 300,000, which indicates that the insured amount of critical illness insurance is at least 300,000 yuan in order to have the most basic disease protection, but it should be noted that the insured amount of critical illness insurance is not as high as possible, and it needs to be determined in combination with its own economic conditions.

4.Adults first, children second

Adults are the most powerful "protective umbrella" for children, and only when adults are safe and sound, children can get the most tangible protection.

Therefore, before parents allocate critical illness insurance for their children, it is best to configure all kinds of insurance for themselves, so that they can get adequate and comprehensive protection first.