Pacific Insurance Super Energy Treasure, what are the types of mild diseases?

Pacific Kids Super Product includes 12 types of minor illnesses, pays 20% of the Basic Sum Assured and waives the remaining premium.

Non-life-threatening malignant lesions (including carcinoma in situ);

atypical acute myocardial infarction;

Minor stroke;

coronary intervention;

heart valve interventional surgery;

Severely impaired vision;

intra-aortic surgery;

pituitary tumors, brain cysts, cerebral aneurysms and cerebral hemangiomas;

Burns of a specific area;

severe head trauma;

primary pulmonary hypertension;

Motor neuron disease.

Pacific Children's Super Energy Treasure Product Introduction:

Insurance object] 30 days old - 17 years old (for children's exclusive products) Insurance time] 10 years of payment (the longer the payment time, the less financial pressure, the more meaningful the exemption) Insurance period] 30 years.

Insurance Coverage] 60 Critical Illnesses: Basic Sum Insured + Premiums Paid.

12 Minor Illnesses: 20% of the Basic Sum Assured and the remaining premium waived.

Death: Whichever is greater, premiums paid and cash value.

Maturity Payment: 150% of the premium paid will be refunded.

Waiver for policyholders: In the event of death, total disability or critical illness during the premium payment period, the remaining premium will be waived and the protection will remain unchanged.

Pacific Children's Super Treasure is Pacific Insurance.

Launched a return-type children's term insurance product, which consists of 30-year term critical illness insurance.

Composed of both life insurance, in simple terms, it is to protect 30 years of serious illness compensation, and 150% of the premium will be refunded if there is no insurance.

The specific coverage is as follows:

1. 100 types of critical illness single claim sum insured.

and premiums paid. Critical illness protection is decent, and the current critical illness insurance covers 25 statutory critical illnesses, which account for more than 95% of the critical illness incidence. Others, many more varieties are just icing on the cake.

The compensation for minor diseases is not grouped for 3 times, and the compensation amount is 20%, and there is no interval. Most products on the market start with a mild illness compensation ratio of 30%, and Pacific Children's Super Energy Treasure does not have much advantage in mild disease compensation.

3. No moderate illness protection. Lack of moderate illness protection, many popular critical illness insurance policies currently include moderate illness protection.

4. With death liability, the insured is exempted from minor illness, and the policyholder can be exempted. The premium paid before the age of 18 is paid on death, and the premium paid after the age of 18 is multiplied by the premium paid.

100% of the sum insured for a single claim for specific diseases in children. Among the 15 types of children's special diseases, there are 9 types of children's high-incidence serious diseases. 15 types of children's special illnesses are included in the 100 types of critical diseases, and if the special diseases are diagnosed, a total of 200% of the sum insured and premiums paid will be paid.

Test your anti-risk index, experts will interpret it for you for free!

Hello! At present, Pacific Super Energy Treasure Insurance has been upgraded to a children's critical illness insurance with a return function, covering 100 critical illnesses and 15 special illnesses, and minor illnesses will not be paid out in groups for 3 times.

If you want to know whether this product is suitable for children, you can click to make an appointment for 1-to-1 insurance planning service.

Deep Blue Insurance Concentrate on insurance brokers will provide you with professional advice, or you can scan the following *** for consultation.

I also summarized the product highlights of Pacific Super Energy Treasure Insurance:

1. Comprehensive protection.

It covers up to 60 major illnesses and 12 specific illnesses (mild illnesses), with a total of 72 major illnesses.

Among them, leukemia, which has the highest incidence in children, is covered by the insurance.

In addition, in the event of a specific minor illness, an additional 20% of the basic sum assured will be paid as a specific minor illness care benefit, and the sum insured for the critical illness will remain unchanged!

In addition, if the insured child dies or becomes totally disabled during the contract period (if no critical illness has occurred before), the company will refund 150% of the premium payable and the contract will be terminated.

If the baby survives to the age of 30, the company will refund 150% of the premium payable as a maturity payment, and the contract will be terminated.

2. The sum insured is high.

The sum insured for each critical illness is 100,000 yuan and the sum insured for minor illness is 20,000 yuan, and the sum insured for minor illness is completely independent, and the subsequent critical illness protection and maturity insurance payment will not be affected after the minor illness claim is settled.

The underwriting amount of the Children's Super Energy Protection Plan is super high, and the maximum coverage amount reaches the upper limit of children's protection - 600,000!

3. The return at maturity is more value-added.

The baby can be insured after 30 days of birth, with a fixed protection period of 30 years, and you can receive a maturity insurance premium equivalent to 150% of the total premium of the main supplementary insurance at the end of the term, and get back all the investment, and there will be a 50% increase in income.

4. It comes with a quadruple exemption function.

If the insured suffers from a specific illness (mild illness) specified in the contract during the premium payment period, the subsequent premiums can be waived after receiving additional insurance benefits for the specific illness, and the subsequent premiums can be waived and deemed to have been paid.

In the unfortunate event of death, total disability or critical illness during the premium payment period, the subsequent premium will also be waived and deemed to have been paid.

Generally speaking, Children's Super Energy Insurance is a children's critical illness insurance with a return function, which is relatively comprehensive for common children's high-incidence diseases.

However, due to the return function, it is several times more expensive than the same guarantee without return, and it is not recommended to give priority to the purchase of return-type products for families with a general budget.

The protection content of Pacific Super Energy Treasure (Celebration Edition) is very simple, which is the maturity insurance benefit and the death total disability insurance benefit, which is the common life and death protection of both insurances.

Next, the senior sister will evaluate and analyze this product to see if its guarantee is good or not. Let's take a look at the protection chart to understand the product form

Below, the senior sister will pick a few points to focus on for everyone.

1. Guarantee.

The protection of Pacific Super Energy Treasure (Celebration Edition) is relatively simple, but this product is often in the form of main insurance (comprehensive insurance) + additional insurance (critical illness insurance)**. In addition to death, total disability and maturity payment, there are also a series of protections such as critical illness, specific diseases, critical illness hospitalization allowance, premium waiver, etc., which can give your child comprehensive protection and care.

Friends who are interested in Super Energy Treasure (Celebration Edition) may wish to continue to have an in-depth understanding through this evaluation article: Pacific Super Energy Treasure Celebration Edition Children's Critical Illness Insurance is hotly launched, you must read these points before buying!

2. Revenue.

I believe that the income of Pacific Super Energy Treasure (Celebration Edition) is also a point that everyone is more concerned about. For example, Mr. Lin has purchased 5 "Super Energy Treasure (Celebration Edition) Comprehensive Protection Plan" for his 0-year-old daughter Xiaolin, with a basic insurance amount of 56,900 yuan for the main insurance and a basic insurance amount of 500,000 yuan for the additional insurance, with an insurance period of 30 years, an annual premium of 5,690 yuan, and a 10-year term.

If Xiaolin does not have insurance due to illness during the insurance period, then after the expiration of 30 years, he can receive 150%*56900 at a time, that is, 85,350 yuan. That is to say, the money paid at maturity has increased by 28,450 yuan compared with the premium of 56,900 yuan, and the increase is half of the total premium, which is still quite good.

Finally, if you still want to shop around and make a decision, Senior Sister has also compiled a list of comprehensive insurance for your reference: the list of insurance dividends is newly released! Is there one you like?

Summary. Pacific Children's Super Energy Insurance is one of the children's insurance products launched by China Pacific Insurance (Group) Co., Ltd., which mainly protects children from a variety of risks that they may face during their growth, including accidental injury, critical illness, accidental death, etc. Specifically, the product mainly includes the following guarantees:

1. Accidental Injury Protection: Covers the risks of death, disability, medical treatment and other risks caused by accidental injury; 2. Critical illness protection: Cover rare diseases, malignant tumors, major organ transplants and other major diseases; 3. General Illness Benefit:

Covers common diseases such as surgical hospitalization and outpatient medical treatment; 4Education Grant Plan: Provide future education fund reserves to support children's educational growth. It should be noted that the specific coverage and insurance amount will vary according to the terms of the policy and the insurance plan purchased, it is recommended to consult the customer service or ** person of Pacific Insurance for specific product details and coverage.

Pacific Children's Super Energy Insurance is one of the children's insurance products launched by China Pacific Insurance (Group) Co., Ltd., which mainly protects children from a variety of risks that they may face during their growth, including accidental injury, critical illness, accidental death, etc. Specifically, the product mainly includes the following benefits: 1. Accidental injury protection:

Covers the risks of death, disability, medical treatment and other risks caused by accidental injuries; 2. Critical illness protection: Cover rare diseases, malignant tumors, major organ transplants and other major diseases; 3. Common illness protection: Cover common diseases such as surgical hospitalization and outpatient medical treatment; 4 Education Grant Program:

Provide a reserve for future education to support the child's educational growth. It should be noted that the specific coverage and insurance amount will vary according to the terms of the policy and the insurance plan purchased, it is recommended to consult the customer service or ** person of Pacific Insurance for specific product details and coverage.

What does Pacific Children's Super Energy Treasure Insurance cover?

Pacific Children's Super Energy Insurance is one of the children's insurance products launched by China Pacific Insurance (Group) Co., Ltd., which mainly protects children from a variety of risks that they may face during their growth, including accidental injury, critical illness, accidental death, etc. Specifically, the product mainly includes the following benefits: 1. Accidental injury protection:

Covers the risks of death, disability, medical treatment and other risks caused by accidental injuries; 2. Critical illness protection: Cover rare diseases, malignant tumors, major organ transplants and other major diseases; 3. Common illness protection: Cover common diseases such as surgical hospitalization and outpatient medical treatment; 4 Education Grant Program:

Provide a reserve for future education to support the child's educational growth. It should be noted that the specific coverage and insurance amount will vary according to the terms of the policy and the insurance plan purchased, it is recommended to consult the customer service or ** person of Pacific Insurance for specific product details and coverage.

You take a look.

Summary. "Critical illness refers to the disease that costs a lot of money and seriously affects the normal work and life of the patient and his or her family for a long period of time, generally including: malignant tumors, severe cardiovascular and cerebrovascular diseases, major organ transplantation operations, injuries and illnesses that may cause lifelong disability, advanced chronic diseases, deep coma, permanent paralysis, and severe brain injury.

Pacific Additional Children's Super Energy Critical Illness Insurance Edition.

Hello, it's a pleasure to serve you! I am a professional in the field of finance, I am looking at your question here, the inquiry will take some time, please wait a little and don't worry, thank you.

Can my child be reimbursed for hospitalization?

Exclusive children's health insurance products, providing 100 kinds of critical illness, 50 kinds of minor illness protection, 15 specific children's diseases additional benefits, multiple claims for minor illnesses, return at maturity, and death protection.

What is included in a critical illness.

This does not reimburse hospitalization expenses.

This is specific to the page in your insurance contract.

"Critical illness refers to the disease that costs a lot of money and seriously affects the normal work and life of the patient and his or her family for a long period of time, generally including: malignant tumors, severe cardiovascular and cerebrovascular diseases, major organ transplantation operations, injuries and illnesses that may cause lifelong disability, advanced chronic diseases, deep coma, permanent paralysis, and severe brain injury. ”

Hello, I am glad to answer for you, dear, Pacific Children's Super Energy Treasure Liangzhiwu full insurance can protect these friends: 1. Maturity insurance, if the insured survives to the expiration of the insurance period, we pay the maturity insurance according to the following agreed amount, and this contract is terminated: Maturity insurance 150% of the sum of the insurance premiums you have paid according to this contract and the additional children's notice or super energy treasure contract.

2. Death insurance benefit or total disability insurance benefit, if the insured dies or is totally disabled, we will pay the death insurance benefit or total disability insurance benefit according to the following agreed amount, and this contract will be terminated: (1) If the insured is under the age of 18 (excluding 18 years old) when the insured dies or is determined to be totally disabled, "death insurance benefit" or "total disability insurance benefit" = the sum of the insurance premiums you have paid according to this contract and the additional children's super energy treasure contract; (2) If the insured dies or is determined to be at least 18 years old at the time of total disability, "death benefit" or "total disability insurance benefit" = 150% of the sum of the insurance premiums you have paid in accordance with this contract and the additional children's super energy treasure contract. 3. Waiver of death or total disability insurance premium, if the insured dies or becomes totally disabled due to accidental injury, or after 180 days from the date of entry into force or last reinstatement of this contract (whichever is later), we will waive the insurance premium of this contract and the additional children's super energy contract according to the following agreements:

Starting from the agreed payment date of the first insurance premium after the death of the insured or the determination of total disability, we will waive the insurance premium payable in the current contract and the additional children's super energy contract on the agreed payment date of the insurance premium every year until the termination of this contract. Waived premiums are considered paid. 4. Additional critical illness protection, which can cover 150 types of critical illnesses, 50 types of minor diseases, and double the compensation for children's special diseases.