How much does Chinese life insurance cost for children to cover 50 serious illnesses a year

Xueba said insurance, only recommend the most suitable child insurance! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated

You can click on it to take a look, I hope it will help you.

What insurance is good for children

This question has discouraged countless mothers and fathers who want to buy insurance for their babies, and today we will take a look at how to buy insurance for their children! Configure from these three aspects:

First, health insurance is essential, and so are children!

After the child is registered, you can go to apply for neonatal medical insurance (urban and rural residents' medical insurance), whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so this must be handled for the child.

Second, on the premise of handling medical insurance, you can start to consider commercial insurance, and critical illness insurance + medical insurance + accident insurance needs to be given priority.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). In addition, critical illness insurance can directly pay a large amount of cash after getting sick, in addition to solving the best expenses, it can also solve many hidden problems caused by illness, such as the delay in studies caused by medical treatment and some losses in subsequent life, 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 policy can be used to solve these problems.

For example, with a 0 deductible hospitalization medical insurance, with an annual premium of 1,200 yuan, you can buy an insurance amount of 10,000 yuan, which is cost-effective and practical.

Finally, it is necessary to have an accident insurance, the child's accident insurance is particularly cheap, the insurance amount of 200,000 yuan is only sixty or seventy yuan per year, which can fully protect the child's accidental death, disability and medical expenses caused by the accident, and the cost performance is quite high.

Third, is there any insurance that I should not buy for my child?

Don't assign life insurance to your child, and try not to attach both liabilities to critical illness insurance. I know the specific reasons in this articleHow to buy the most cost-effective child insurance? The most complete insurance strategy!

has been introduced in detail, because there is already a detailed analysis in the manuscript, so I won't spend too much space here.

According to the idea I give you to configure insurance, if it is for the child to configure regular protection, 1000 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"How much does Chinese life insurance cost for children to cover 50 serious illnesses a year"All of them, I hope it helps you! Hope!

I don't know what the specific situation is, but what can be said is:

The pricing mechanism of insurance products is relatively complex, and it is not bank savings.

It needs to be priced according to the actual age, health status, occupational category, and specific coverage liability share of the customer.

According to the insurance company, it is priced according to the actuary's actuarial cost of risk.

Therefore, before the customer insures, the county should first clarify the needs, and then according to their actual situation, rational cognition, based on the present, on demand insurance, this need and the best people, real and effective information exchange, in order to achieve targeted and reasonable planning.

The premium standard of any insurance product is not constant and consistent for different customers.

The specific recommendations for insuring your child are as follows:

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.

Summary. Dear, glad to answer for you. Life insurance critical illness insurance is paid for one year: China Life's critical illness insurance is open to a lot, in terms of cost performance, if you take 300,000 insurance as an example, 30-year-old adult men buy, the cumulative payment is the least.

Dear, glad to answer for you. Life insurance is good for critical illness insurance to pay for one year: China Life's critical illness insurance is open to a lot, from the perspective of cost performance, if you take 300,000 insurance as an example, 30-year-old adult men buy, the cumulative payment of Liang mold lead is the least yard high.

1. Corningbao 2021 version of paragraph C: pay for 20 years and guarantee for life, and pay 6,750 yuan annually; 2. Paragraph A of China Life and Welfare Insurance and Grand Ceremony Edition: China Life and Welfare Insurance pays 20 years of insurance and pays 70 years old, 7658 yuan a year; The grand ceremony version of paragraph A is paid for 19 years and guaranteed for life, and the annual guess Tong pays 9,895 yuan;

3. Guoshoufu 2021 version of paragraph A: pay 20 years of lifelong protection, and pay 9,467 yuan annually; 4. Section B of the National Life Fusheng Edition: 20 years of Baoshi Chongzhou Barrier for life, with an annual payment of 11,677 yuan;

Is there a one-year delivery?

Buy insurance year by year.

China Life Million Medical Insurance is paid once a year and can be renewed after one year.

Life insurance critical illness insurance needs to pay 6750 10500 yuan a year, and the cost of different insurance is different, as follows:

1. Corningbo 2021 version C.

Pay 20 years for life, 6,750 yuan per year.

2. Paragraph A (basic responsibility) of the National Life Celebration Ceremony Edition

Pay 19 years for life, 8640 yuan per year.

3. Paragraph B (basic responsibility) of the National Life and Fusheng Edition

Pay 19 years for life, with an annual payment of 10,530 yuan.

4. Guo Shoufu 2021 version of paragraph A (basic responsibility).

Pay 20 years to protect the lifelong reputation, and pay 8,610 yuan annually.

5. Guo Shoufu 2021 version B (basic responsibility).

Pay 20 years for life, with an annual payment of 10,500 yuan.

What you need to know when purchasing critical illness insurance:

1. The sooner you buy, the better.

Critical illness insurance rates are age-dependent, and the earlier you buy, the cheaper and easier it is to insure in.

2. The choice of the sum insured is very important.

Buying critical illness insurance can be said to be buying the sum insured, and the choice of the sum insured is crucial. It can't be too high or too low, the minimum is 300,000, and 500,000 is the most Cong Hui Hongjia.

3. Selection of product type.

To apply for critical illness insurance, you must first clarify what type of critical illness insurance you prefer. If the budget is not large, consumption registration type critical illness insurance is generally the first choice, followed by savings type critical illness insurance. The return-type critical illness insurance has a return responsibility, so it is high and cost-effective, which is suitable for people with sufficient premium budgets and do not want to damage the principal.

Hello dear, China Life Insurance Children's Edition 365 yuan is a children's medical insurance, he supports 0-10 years old insurance, a one-year premium of 365 yuan, waiting period of 30 days. He provides hospitalization medical insurance, with an insured amount of 500,000 yuan, and the expenses within the social security are reimbursed by the social security, with a deductible of 100 yuan and 80% compensation; Without social security reimbursement, 200 yuan is exempted from compensation, and segmented compensation is implemented. Provide accident medical insurance, the sum insured is 10,000 yuan, and the expenses within the social insurance are reimbursed by the social security, with 0 deductibles and 90% compensation; Without social security reimbursement, 200 yuan is deductible, and 80% of the compensation is paid.

Provide additional protection for specific traffic accidents, with an insurance amount of 100,000 yuan for motor vehicles, water vehicles, and rail vehicles; The insurance amount for taking the plane is 500,000.

When choosing an insurance company, policyholders need to consider the differences between insurance companies in terms of company type, type of insurance**, business status and service quality. Ping An Children's Critical Illness Insurance.

Product features: Covering 15 common critical diseases, high hospitalization allowance coverage, no physical examination, short waiting period, and simple application.

Suitable for people: 30 days to 18 years old.

Form of policy: electronic policy.

Payment methods: credit card, online banking, **payment.

Benefits: 1. Children's critical illness.

Insured amount: 10-200,000.

Coverage: 30 days waiting period, after the waiting period, the hospital is diagnosed with a critical illness for the first time, and the insurance benefits will be paid according to the terms of the insurance. If a major illness occurs for the first time after being diagnosed by the hospital during the waiting period, the applicant shall not be liable for the payment of insurance benefits.

2. General hospitalization allowance (optional for over 3 years old).

Sum insured: 50 or 80 yuan per day.

Coverage: 30-day waiting period (no waiting period for accidental hospitalization**), if you have to be hospitalized due to illness after the waiting period**, you will be paid a general hospitalization allowance according to the terms of the insurance. Each allowance payment is limited to 15 days, and a written application must be submitted to the Company in advance after 15 days.

In the event of hospitalization due to illness during the waiting period**, you will not be liable for the benefit of the insurance.

3. Cancer hospitalization allowance (optional for children over 3 years old).

Sum insured: $80 or $100 per day.

Coverage: 90-day waiting period (no waiting period for renewal), after the waiting period, if you have to be hospitalized due to the first cancer**, you will be paid a cancer hospitalization allowance according to the terms of the insurance. Each allowance payment is limited to 15 days, and a written application must be submitted to the Company in advance after 15 days.

Hospitalization** due to cancer during the waiting period is not liable for insurance benefits.

4. Inpatient surgery allowance (optional for over 3 years old).

Insurance amount: 5000 yuan.

Coverage: 30 days waiting period (no waiting period for accidental injury hospitalization), if the patient is hospitalized for surgery due to illness after the waiting period, the hospitalization surgery allowance will be paid according to the terms of the insurance. If you are hospitalized for surgery due to illness during the waiting period**, you will not be liable for the insurance benefits.

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

Hello, Life's Children's Critical Illness Insurance, 1Children's National Life Blessing, one of the fist products, is a long-term critical illness insurance that guarantees lifelong protection, and is only available for minors (there is also an adult version). It is a combination product, the main insurance is whole life insurance, and the rider insurance is under the category of critical illness protection.

2.China Life Ru e Beibei Premium Edition, this product is a return-type insurance, the return of the paid premium at the end of the term, is exclusive to children aged 0-10 years old, the protection period is 30 years, providing critical illness death protection rights. 3.

China Life Corning Term Preferred Children's Critical Illness Insurance, this product is a return-type regular children's critical illness insurance, which can be protected up to the age of 60, 70, and 80 years old, and the overall liability coverage is also relatively comprehensive, including critical illness, mild illness, and death return protection at the end of the term.