Why is it more expensive for girls than for boys?

Xueba talks about insurance, focusing on evaluating children's insurance! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated

Click to claim now, I believe it can help you.

How to buy insurance for your child

First, the country's medical insurance must be handled!

Newborn medical insurance can be handled immediately after the child is registered, 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 buying medical insurance, you can fully configure critical illness insurance + medical insurance + accident insurance in commercial insurance.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). Secondly, critical illness insurance is paid directly in cash after getting sick, which can not only solve the problem of medical expenses, but also solve many hidden problems caused by illness, such as falling behind due to illness, or some irreparable losses in subsequent life, which require a lot of cash. Buying a pure protection critical illness insurance policy can be used to solve these problems.

As for medical insurance, it 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 per year, you can buy an insurance amount of 10,000 yuan, which is cheap and useful.

Finally, it is necessary to configure an accident insurance, the child's accident insurance is particularly cheap, as long as it is sixty or seventy yuan per year, you can buy 200,000 yuan of protection, which can protect the child's disability, death and medical liability caused by accidents, which is particularly practical.

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

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 written in detail in the manuscript, so I won't spend too much time introducing it here.

According to the above insurance ideas, if you are configuring regular insurance 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 very cost-effective.

That's all for me"Why is it more expensive for girls than for boys? "All of them, I hope it helps you! Hope!

Normally, boys are more expensive than girls.

It's not much, it's 150% back anyway.

The Children's Super Treasure has the functions of death, total disability, critical illness exemption and minor illness exemption of the insured. Children aged 0-17 can be insured. There are 60 categories of critical illnesses and 12 categories of mild diseases, which is the most comprehensive children's critical illness insurance in the market (45 types of a certain safety and 35 types of a certain life).

In the unfortunate event of a critical illness, the premium paid will be refunded after the critical illness sum assured is claimed; In the unfortunate event of a mild illness, an additional 20% of the sum insured will be paid, and the amount of critical illness benefit will not be reduced, and subsequent premiums will be waived. At the end of the 30-year term, as long as there is no critical illness claim, multiple of the premium paid will be refunded.

Commercial insurance for children generally recommends that critical illness be considered first, and education second.

Critical illness: 1. Because personal safety is the first priority, and everything else is secondary.

2. Because the children are young, the insurance is cheap and appropriate, and the protection is long enough for life

Similar to education**, it is currently slowly saved, and there is a guaranteed start-up capital at the age of 18 at the university stage or even at the age of 30 at the age of 30.

Now Pacific Insurance has launched Super Energy Treasure, so we mainly focus on Super Energy Treasure analysis;

First of all, let's take a look at what the basic protection of Pacific Super Energy Treasure is:

Let's take a look at the pros first:

1.Minor illness coverage is more frequent. There are 50 types of minor illness benefits, and the number of claims is up to 3 times; Compared with the children's critical illness insurance on the market, which partially pays 1 time, the number of claims for mild illness of this product is more attractive;

2.Children's Critical Illness Benefit. This insurance covers 15 special diseases for children, and also covers high-incidence critical illnesses such as leukemia and severe Kawasaki disease;

Moreover, its payout amount is also quite powerful; As long as you have a special disease, after talking about the advantages, let's take a look at what the defects are:

1.**High. In the figure, we can clearly know that the ** of Super Energy Treasure is relatively high, which is not quite in line with the budget of many families;

Here I will first share with you a few ** beautiful and comprehensive return-type critical illness insurance to you:"Seven cost-effective children's return-type critical illness insurance! 》

2.Payment period options are limited. The payment period of 10 years has been stipulated, and customers cannot choose the payment period by themselves; It should be noted that many critical illness insurance products on the market are available for customers to choose from for 10 years, 15 years or even 20 years.

Moreover, the longer the payment period, the less premiums you need to pay each year; In this way, the pressure on families with average economic conditions has been relieved; Furthermore, the longer the payment period, the greater the probability of the exemption being triggered. However, the payment period of 10 years is directly limited, and the payment period is shorter; It is unreasonable to set the payment period in this way.

If you prefer Pacific insurance products, then you can consider buying them;

If you just want to buy a comprehensive and cheap children's critical illness insurance product,

I recommend that you buy a consumer-based critical illness insurance for your children, because this type of product is cheaper and has the same comprehensive protection;

Finally, I would like to give you a list of consumer-based critical illness insurance that is worth buying:"Top 10 Cost-effective Children's Consumer Critical Illness Insurance! 》

I don't understand, but it's enough to see the word "both" This is life and death insurance When you are born, you have a survival fund every year or every few years When you die, you will be given several times the amount of insurance or the premium paid No serious illness, accident, hospitalization and other benefits Only life and death are covered.

60 types of critical illnesses and 12 types of minor illnesses are covered! Pay for 10 years, guarantee for 30 years! 150% return at the end of the period, double waiver! 20-500,000 guarantees, worth choosing!

Summary. Legal basis: Pacific's Children's Super Treasure Insurance is good.

The Social Insurance Law of the People's Republic of China was passed by the 17th Session of the Standing Committee of the Eleventh National People's Congress of the People's Republic of China on October 28, 2010, and is hereby promulgated to take effect on July 1, 2011. (Amended in accordance with the Decision of the Standing Committee of the National People's Congress on Amending the Social Insurance Law of the People's Republic of China adopted by the Seventh Session of the Standing Committee of the 13th National People's Congress on December 29, 2018) Table of Contents: Chapter 1, General Provisions, Chapter 2, Basic Pension Insurance, Chapter 3, Basic Medical Insurance, Chapter 4, Basic Medical Insurance, Chapter 4, Work-related Injury Insurance, Chapter 6, Unemployment Insurance, Chapter 7, Maternity Insurance, Chapter 8, Social Insurance**, Chapter 9, Social Insurance Administration, Chapter 10, Social Insurance Supervision, Chapter 11 Legal Responsibility Chapter 12 Supplementary Thank you for your trust in me, the above is mine, thank you

According to national regulations: Pacific Children's Super Treasure is good for both brothers. Insurance Classification:

1. [Property insurance: enterprise property insurance, Gongxian Hongcheng insurance, automobile insurance, liability insurance, ship insurance, freight insurance, home property insurance, credit insurance, guarantee insurance, agricultural insurance]; 2. [Life insurance: accident insurance, medical insurance, critical illness insurance, life insurance, children's education insurance, pension insurance, annuity insurance, group insurance]; 3. [The types of car insurance can be divided into compulsory insurance and commercial insurance according to their nature].

Legal basis: Pacific's Children's Super Treasure Insurance is good. The "Social Insurance Law of the People's Republic of China" was passed by the 17th Session of the Standing Committee of the Eleventh National People's Congress of the People's Republic of China on October 28, 2010, and is hereby promulgated, to take effect on July 1, 2011.

In accordance with the Decision of the Standing Committee of the National People's Congress on Amending the Social Insurance Law of the People's Republic of China adopted at the Seventh Session of the Standing Committee of the 13th National People's Congress on December 29, 2018, the Table of Contents Chapter 1 General Provisions Chapter 2 Basic Pension Insurance Chapter 3 Basic Medical Insurance Chapter 4 Work-related Injury Insurance Chapter 5 Unemployment Insurance Chapter 6 Maternity Insurance Chapter 7 Collection and Payment of Social Insurance Premiums Chapter 8 Social Insurance ** Chapter 9 Social Insurance Handling Chapter 10 Social Insurance Supervision Chapter 11 Legal Responsibility Chapter 12 Supplementary Thank you for your trust in me, the above is mine, thank you

The products of insurance companies are safe and reliable, and the insurance policy is a contract and is protected by law. However, no matter what insurance product you buy, you should keep the following three points in mind: Choose an honest and professional insurance person, choose a more cost-effective product, and a company with better claims service.

1. [China Pacific Insurance] (SSE: 601601, HKEX: 2601):

Also known as Pacific Insurance, referred to as China Pacific Insurance or Taibao, formerly known as China Pacific Insurance Company, was established on May 13, 1991, is a national joint-stock commercial insurance company approved by the People's Bank of China.

2. [Development History]:

China Pacific Insurance (Group) Co., Ltd. (hereinafter referred to as "China Pacific Insurance") is an insurance group company established on the basis of China Pacific Insurance Company established on May 13, 1991, headquartered in Shanghai.

In 1991, China Pacific Insurance Company was established.

In 1994, China Pacific Insurance (Hong Kong) **** was established.

In 2001, China Pacific Insurance Company implemented system reform, China Pacific Insurance (Group) Co., Ltd. was established, and China Pacific Property Insurance Co., Ltd. and China Pacific Life Insurance Co., Ltd. were established.

In 2006, Pacific Asset Management Co., Ltd. was established.

In 2007, China Pacific Insurance was listed on the A-share market (CPIC, SH601601).

In 2009, it held the shares of Changjiang Pension Insurance.

In 2009, China Pacific Insurance was listed on the H-share market (CPIC, HK02601).

In 2010, CPIC Investment Management (Hong Kong) was established.

Summary. Hello dear, glad to answer your <>

<> Children's Super Energy Insurance is a commercial insurance product launched by Pacific Insurance Company for children. It primarily underwrites accident-related life insurance and medical insurance for children. When it comes to reliability, there are a few things to consider:

1. The brand reputation of Pacific InsuranceAs a large state-owned insurance group, Pacific Insurance Company's brand and strength have been affirmed. However, the reliability of the insurance product itself still needs to be considered. 2. Whether the product design is comprehensive needs to check whether the type and scope of accidents covered by the product are comprehensive, and whether there are protection loopholes.

Illness coverage is especially important for children's insurance. 3. Compensation ability and complaints: It is necessary to check the company's financial data and the income and expenditure of insurance funds to understand its ability to pay. At the same time, inquire about the company's complaint data and handling status.

Fourth, customer evaluation.

Is Pacific Insurance Company's Children's Super Energy Insurance reliable?

Hello dear, glad to answer your <>

<> Children's Super Energy Treasure Insurance is a commercial insurance product launched by Pacific Insurance Company for children. It primarily underwrites accident-related life insurance and medical insurance for children. When it comes to reliability, there are a few things to consider:

1. The brand reputation of Pacific InsuranceAs a large state-owned insurance group, Pacific Insurance Company's brand and strength have been affirmed. However, the reliability of the insurance product itself still needs to be considered. 2. Whether the product design is comprehensive needs to check whether the type and scope of accidents covered by the product are comprehensive, and whether there are protection loopholes.

Illness coverage is especially important for children's insurance. 3. Compensation ability and complaints: It is necessary to check the company's financial data and insurance fund income and expenditure to understand its ability to pay. At the same time, inquire about the company's complaint data and the handling or spine situation.

Fourth, customer evaluation.

To sum up, when evaluating the reliability of children's super energy insurance, the most important thing is to understand its specific protection content and details.

Can I get a refund after 10 years of payment?

Sorry, it's not clear what you're talking about. But generally speaking, if it is a commercial insurance, whether the policy can be surrendered after 10 years depends on the provisions of the insurance product: 1

Some commercial insurance plans allow surrender after 10 years and 10 years, and the surrender amount is generally the balance of the premium paid minus the relevant expenses. 2.Some commercial insurance plans do not allow direct surrender after 10 years and 10 years, and the contract needs to be terminated in the manner specified in the policy.

3.For some long-term insurance products that need to pay multi-year insurance premiums, after the expiration of 10 years, you can generally only get a relatively limited number of euclidean charts, and the original premium cannot be directly refunded. 4.

Whether to allow 10 years or more to surrender the policy, you need to check the specific policies and contract provisions of the insurance company. Under normal circumstances, paying the premium for 10 years does not mean that you will be able to get a direct refund of the policy.