What to pay attention to when buying children s Chinese life critical illness insurance

Xueba said that insurance only helps families who really want to buy insurance for their children! This year, the comparison table of 136 best-selling children's critical illness insurance 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 problem has discouraged countless mothers and fathers who want to buy insurance for their babies, so let's take a good look at how this problem should be solved! Pay attention to three key points:

First, children's medical insurance is essential!

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, after running medical insurance, it is necessary to consider fully configuring commercial insurance, and it is recommended to give priority to critical illness insurance + medical insurance + accident insurance.

Let's start with critical illness insurance, which provides coverage for as long as possible. Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to solving the best expenses, it can also solve a lot of additional expenses caused by illness, such as because of illness, missing homework, or some irreparable 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.

In addition, medical insurance can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, with an annual premium of one or two hundred yuan, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, let's look at accident insurance, it is very cheap for children to buy accident insurance, 200,000 yuan per year is only sixty or seventy yuan, which can protect children's accidental death, accidental disability and accidental medical liability, which is quite cost-effective.

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

Don't choose life insurance for 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 it has been clearly stated in the manuscript, I will not say too much here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, 1000 yuan per year can be configured comprehensively, if you buy lifelong protection, it is only two or three thousand per year, cheap, and useful.

That's all for me"What to pay attention to when buying children's Chinese life critical illness insurance"All of them, I hope it helps you! Hope!

It is recommended that before buying commercial insurance for children, first improve the most basic children's medical insurance, and then you can buy a commercial medical insurance card as a supplement, the combination of the two, you can reimburse most of the medical expenses, and then you can consider buying some critical illness, education funds, entrepreneurial wedding funds, etc., if the education fund can be dedicated to the special fund and with the premium waiver function is the best, too little premium budget will not achieve the purpose of education reserves, and planning needs to be early, specifically according to the actual situation of their own family to budget.

What you need to pay attention to is whether your family can afford this critical illness insurance; Personally, I think you should choose according to the actual situation in your own home, so that it will be very scientific and will not bring you a lot of pressure.

You should pay attention to the conditions for the first diagnosis in the critical illness insurance within 90 days and still survive after 30 days, and there is also a policy requirement to notify the insurance company within hours after the accident, and you can get different compensation ratios.

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.

I'm not a Chinese shou. So I can't recommend any insurance for you.

But I believe that the salesman of China Life will recommend the most perfect insurance for you.

There are a few points that must be made clear, and you should also understand them.

CIRC regulations.

1. The maximum amount of claims for minors is 5w yuan. That is, when something bad happens.

You can get back up to 50,000 yuan. (10w for the four municipalities)2 You and your husband are the ones who need insurance the most. Because this family is supported by the two of you.

The children are taken care of by you, do you still need your parents to take care of them?

Social Security is"Warranty"And not"package".And you two are young. Premiums are also bottom.

If you buy it for your child, ask the salesman of China Life to buy you a critical illness insurance with an insurance amount of 50,000 yuan.

You can choose to pay for this type of insurance for a longer period of time. Because there is a premium waiver feature.

Then buy an education insurance policy. Incidental medical treatment.

For general illnesses, you can purchase social security medical insurance to cover it. It's good.

I wish you all good health as a family.

For more information, please call 95519

It is worth entrusting to rely on each other for many years.

Chinese life is worth your choice.

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

Hello friends, Chinese Life is the leading insurance company in China, then the most representative product is the China Life Fu series, which also includes children's critical illness insurance. If you don't understand critical illness insurance, about how to apply for critical illness insurance, please see here: "The correct insurance posture of critical illness insurance, dad will teach you a few tricks!"

So what about the specific coverage of this new product? How does it compare with similar products?

Assurance Content Analysis:

1) Critical illness benefit.

120 types of critical illness benefit, the insured suffers from a critical illness for the first time, and 100% of the basic sum assured will be paid.

2) Mild illness benefit.

60 types of mild illness benefits, 20% of the basic sum assured will be paid each time without grouping and interval, limited to 3 times.

Judging from the coverage data, all 10 kinds of high-incidence mild children's national life celebration version are covered and perform well, but it should be noted that there is an age requirement of more than 3 years old for severe visual impairment and mild disease.

3) Children's Specific Illness Benefit.

For 15 specific children's diseases, if one or more of the above children's diseases are diagnosed for the first time, only 100% of the basic sum insured will be paid once, and the contract will continue to be valid.

The 15 specific pediatric diseases are as follows:

It can be seen from the content of ** that this product will have a high incidence of children's diseases, such as Kawasaki disease, hand, foot and mouth disease, gastroenteritis, etc., and will be guaranteed separately, which is still relatively friendly to consumers.

4) Liability for death.

The premium paid will be paid on the death of the insured person before the age of 18, and 100% of the basic sum assured will be paid after the age of 18. This protection is a mandatory obligation and is generally flexible.

It should also be noted that the premium waiver of this product is an optional liability and requires an additional premium.

In general, the proportion of minor illness compensation for this children's national life celebration version is low, and the current mainstream critical illness insurance in the market has a mild illness compensation ratio of about 50%, but the coverage rate of high-incidence mild illness is better.

1. If you pursue the ultimate cost performance: Fosun Mommy Baby

Mommy Baby's premium calculation result is the lowest among them, and there is also more moderate illness protection. Daddy has compiled a detailed product comparison here, you can take a look: "Does Bumblebee No. 3 have a pit?" Compare Mommy Baobei and Sunny Day Baobao? 》

2. If you pursue critical illness protection: Fosun Mommy Baobei, children's safety and happiness

Mommy Protector can pay a second claim for critical illness without grouping, and the maximum amount of coverage for critical illness can be 200%.

After the compensation for minor illness, the sum insured for critical illness can be increased, and the sum insured for critical illness and special illness can also be increased when the exercise goal is achieved.

3. If you pursue illness companion money: Ping An Fu I, PICC Children's Worry-free 2019

These two types can be supplemented with illness benefits, which can better supplement the financial losses of the accompanying person, but the premium is expensive.

To sum up, the Children's National Life Celebration Edition has a medium premium among similar large company products, and the protection responsibility is simple and clear, but unfortunately the critical illness products of such large companies lack moderate illness protection, and compared with the online hot-selling products, the cost performance is average.

However, Dad would like to remind everyone that when applying for insurance, the size of the insurance company is not the primary factor we pay attention to, and it generally depends on whether the insurance content is comprehensive, whether the insurance amount is high enough, whether the high-incidence diseases are covered, and whether the compensation ratio is high.

Hope it helps!

Arnold answered:

When choosing children's critical illness insurance for their children, parents must pay attention to improving their ability to analyze and discern, and choose a suitable critical illness insurance for their children based on the actual situation.

Understand the terms of the insurance. Like ordinary insurance, children's critical illness insurance may also have main insurance and additional insurance, and the terms will stipulate the types of diseases covered, exclusions, etc., which parents must read carefully before purchasing. There may be a lot of technical terms in the insurance clause that you can't understand, so be sure to consult with a professional personnel or insurance salesman in time.

Find out the scope of your claim. Parents should be aware of the scope of illnesses that can be covered in children's critical illness insurance. In order to prevent adverse selection, congenital diseases and diagnosed diseases before insurance are not covered, and these situations should also be paid attention to as an insured, and do not think that you don't have to worry about any diseases after purchasing insurance.

Specify the amount of insurance. Another thing to keep in mind when applying for insurance is the amount insured. The original intention of parents to buy insurance is to a certain extent to reduce some of the financial pressure and burden on themselves, so when buying insurance, it is still necessary to clarify the amount of claims in different situations, so as not to cause unnecessary trouble when misfortune comes, because of the ambiguity of the policy before.

Children's critical illness insurance makes up for the gap in medical insurance to a certain extent and solves the family's financial problems, so it is recommended that parents allocate critical illness insurance for their children as soon as possible.