Can I buy Super Mario Critical Illness Insurance for myself and my children?

Xueba said insurance, teach you to buy insurance for your children and not be pitted! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated

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How to buy insurance for your child

This problem makes many parents have no idea where to start, today let's take a look at how to buy insurance for their children! Keep these three points in mind:

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

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, 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.

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 be used to treat the disease, but also solve many hidden problems in the future, such as delaying homework due to illness, which requires a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems in the future.

Let's take a look at 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, you need to configure an accident insurance, children's accident insurance is very cheap, as long as it is sixty or seventy yuan a year, you can buy 200,000 protection, you don't see that it doesn't cost much, but in fact, the protection is quite extensive, accidental death, disability, accidental medical liability are within the scope of protection, very cost-effective.

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

Don't buy life insurance for your children, and try not to attach both-both-to critical illness insurance. I know the specific reasons in this articleHow to buy insurance for your child without being cheated? This guide tells you!

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 above insurance ideas, if you are configuring regular protection for your child, you can configure it comprehensively for 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is cheap and useful.

That's all for me"Can I buy Super Mario Critical Illness Insurance for myself and my children? "All of them, I hope it helps you! Hope!

It's all right, but if the budget is not enough, buy yourself enough insurance first. If you buy it for a child, it is recommended to check the policyholder exemption, so that in case the child gets sick, it can also reduce a lot of financial pressure.

Little Umbrella Super Mario 6 is a very good critical illness insurance, the following points can be explained:

1. Malignant tumor** allowance: For the first malignant tumor, with an interval of 1 year, the insured is still in the state of malignant tumor, 40% of the basic sum insured will be paid per policy year, and the cumulative number of payments is limited to three times, and the cumulative maximum of 120% of the basic sum insured can be paid.

2. Critical Illness Recovery Fund: After being diagnosed with a critical illness for the first time before the age of 60, after an interval of 3 years, if the same critical illness (different parts) or other critical illnesses are diagnosed again, an additional 80% of the basic sum assured can be paid, and the status of the same critical illness will not be guaranteed.

3. Sickness Care Fund: Before the age of 60, an additional 100% of the basic sum insured will be paid for critical illness and 20% of the basic sum insured will be paid for moderate illness.

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The selection of critical illness insurance has always been a headache, and there are many critical illness insurance products on the market. Don't worry, here is a list of popular critical illness insurance comparison materials, at a glance, come and take a look: the comparison table of 136 popular critical illness insurance in the country.

Without further ado, let's take a look at which is more suitable to buy, Kanghuibao or Little Umbrella Super Mario? First of all, I would like to present the essence of the guarantee content of the two products, as follows:

1.The maximum insurance amount of Kanghuibao can reach 700,000 yuan, and for 1-6 occupations, Kanghuibao does not refuse to come. What's more, the independent advantage of Comvibe is the pre-existing condition protection.

Antecedents are the initial stages of a major illness, that is, some of the conditions and symptoms that will occur before a major illness. Comvi protects 12 pre-existing conditions and encourages patients to actively accept them**, reducing the risk of critical illness.

For those who have sufficient budget, pursue comprehensive protection, and focus on cerebrovascular disease protection, Kanghuibao is a very good choice!

2.The age of Super Mario is 28 days to 55 years old, which is a bit more lenient than that of Comvicar. Moreover, Super Mario can freely choose the insurance benefits for specific benign tumor resection, secondary claims for specific diseases such as cardiovascular and cerebrovascular diseases, early cancer, etc., to meet the needs of different groups of people, and the protection is very flexible!

For those who are looking for high cost performance, comprehensive coverage, and cancer protection, Super Mario is worth considering!

In different ways, both products are superior to the other. On the whole, both products are relatively excellent and are good choices.

Which is more cost-effective, Kanghuibao or Little Umbrella Super Marie Critical Illness Insurance, mainly depends on these aspects:

Under the new regulations, we have evaluated more than 1,000 critical illness insurance products and selected the best 10 critical illness insurance products on the market. New Definition of Critical Illness Rankings Announced! The first place turned out to be it! 》

I have a friend who is an insurance designer, so I consulted him. If you want to say that it is a good deal, it depends on your actual needs. 1.

If you have limited financial ability and can cover critical illnesses, but you only want to buy pure critical illnesses, it is recommended to choose Comvibo. The reason for the choice is that Kanghuibao** is cheap, and it is the cheapest insurance product for critical illness in the market. 2.

If you can afford it and want to add an additional benefit on top of your critical illness, the order of choosing benefits is: High Incidence Cancer Continuation Benefit, Mild Illness. The reasons are:

The premiums of the two are similar**, but the economic risk brought by cancer to a family is much higher than that of mild disease, and if you give priority to protecting major risks, you should give priority to the continuation of the high-incidence cancer benefit, and then the mild disease. 3.If you are financially affluent, it is recommended that both high-incidence cancer continuation compensation and mild illness be attached.

The reason is that both high-incidence cancer continuation benefits and mild illness are cost-effective add-on insurance, and the leverage ratio of insurance is the highest when these two types of protection are attached. If you are more concerned about mild illness and want to choose critical illness + mild illness protection, women choose Super Mario and men choose Comvibo.

4.If you want to choose critical illness + mild illness protection, women choose Little Umbrella Super Mario, and men choose Kanghuibao. The small umbrella Super Mario has more coverage, and it will be more expensive accordingly:

Umbrella Super Mario Mild Illness Benefit covers 20 more illnesses than Comway Insurance, and the Critical Illness Sum Insured increases by 30% at one time after mild illness. Correspondingly, the small umbrella Super Marie's ** will also be more expensive, when guaranteed for life, the average Super Marie is 20% higher for men than the flagship version of Kanghuibao, and 7% higher for women on average; At the age of 70, Super Mario is on average 18% taller for males and 3% taller for females. Women are advised to choose the Little Umbrella Super Marie, the Little Umbrella Super Marie is only a little more expensive than Kanghuibao, but the protection is much better, the choice of the Little Umbrella Super Marie is very cost-effective, it is recommended to choose the Little Umbrella Super Marie.

Men recommend choosing Kanghuibao, the small umbrella Super Marie is 20% more expensive than Kanghuibao, and the protection has indeed increased a lot, each has its own trade-offs, insurance designers recommend choosing Kanghuibao, and it depends on your own evaluation of this additional protection. 5.If you want to choose without worry, it is recommended to choose the Little Umbrella Super Mario, with all the additional benefits.

You can attach death liability (i.e., life insurance liability), and if it is a whole life insurance, then you will definitely get the compensation anyway, and you will definitely get the premium back.

1. If you buy Little Umbrella Super Mario Multi Edition Max Critical Illness Insurance, the premium does not need to be paid at one time.

Second, about this insurance.

1. Choose products with loose health notices.

The health notice is different for different products, even if it is different for the same insurance company, you can choose a product with a relaxed health notice.

2. Choose products with intelligent underwriting.

Some products will provide intelligent underwriting, and in the process of filling in the health notice, you can tell the insurance company that your body is abnormal, and you can immediately know whether you can buy it.

Some time ago, Little Umbrella Super Mario No. 3 MAX Critical Illness Insurance and Darwin No. 3 became popular all over the Internet, known as the first choice for many people's critical illnesses. However, there are also many people who cannot be insured due to unsatisfactory physical health.

In order to solve the problem of difficulty in insuring non-standard bodies, Little Umbrella Insurance has recently launched a small umbrella Super Mario multi-fold version of Max critical illness insurance, which can be said to be the easy-core version of Super Mario No. 3 Max, and the health notice is very relaxed.

In the case of high blood pressure, diabetes, abnormal blood sugar, cervicitis, gastritis, thyroid nodules, and breast nodules, as long as you pass the intelligent underwriting, you can have the opportunity to apply for insurance.

Compared with critical illness products that do not provide intelligent underwriting, suffer from the above diseases and are directly denied insurance or must be insured only after **, Little Umbrella Super Mario Multi Edition MAX Critical Illness Insurance can be said to be very friendly.

In addition, the Little Umbrella Super Mario Multi Edition MAX has a very comprehensive protection responsibility, with a total of 190 diseases, 120 critical illnesses can be compensated 6 times, an additional 50% of the basic sum insured will be paid before the age of 60, 50 kinds of minor illnesses will be paid 3 times, 45% of the basic sum insured will be paid each time, and 20 kinds of moderate diseases will be paid 2 times, and 60% of the sum insured will be paid each time.

As a person who has studied insurance for many years, I know too well about this little umbrella Super Marie Critical Illness Insurance, because it has been particularly popular recently, and the advantages of this insurance will be told to you specifically. 1.Cancer can be paid twice.

The main focus of the insurance Super Mario Critical Illness Insurance is two claims for cancer, the first diagnosis of cancer, one compensation (critical illness sum insured), and after 3 years, the new onset, **, metastasis, and persistence** of high-incidence cancer, and another claim (basic sum assured); 2.Minor illnesses are premium-free, and the sum insured will be larger. Super Mario Critical Illness Insurance can be attached to 50 minor illnesses, up to 3 times, two carcinoma-in-situ at different locations, one for the remaining minor illnesses, and 25% of the basic sum assured each time.

What's really amazing is that after a mild illness, you will be exempted from paying subsequent unpaid premiums! The guarantee is still in effect!

In addition, after the occurrence of the first mild illness, the sum insured for critical illness will be directly increased by 30%, and the sum insured will become larger instantly! 3.Comprehensive protection and easy application.

Super Mario is insured, regardless of occupation, even high-risk occupations such as oil well drillers and truck drivers. There is no weight limit, even if you are 1.6 meters tall and weigh 200 pounds, you can also be insured. Umbrella Super Mario Critical Illness Insurance can be attached to the policyholder's waiver, once an adult has any of the major illnesses, mild illnesses, death, or total disability, not only will the unpaid premiums not be paid, but the protection will continue to be effective.

You can also add a death benefit. 4.Cost-effective and flexible.

Super Marie Critical Illness Insurance not only provides comprehensive coverage, but also is super cost-effective, with a starting price of 252 yuan.