How to buy children s critical illness insurance, and how to buy children s critical illness insuran

How to buy children's critical illness insurance? In fact, it is very simple, and the following is a tip for you. Critical illness insurance products.

Buy as you go

Parents should first clarify their protection needs before applying for insurance, and secondly, if the family conditions are average, parents can first consider some basic protection covering the high incidence of children, and the cost performance of critical illness insurance with low incidence is too low. If there is a need, you can add special critical illness insurance in addition to the ordinary critical illness insurance, such as when the incidence of leukemia is high, some parents will choose to add a special leukemia cancer prevention critical illness insurance.

Combined with family conditions

In terms of children's critical illness insurance, the higher the sum insured, the wider the coverage, and there are even terms such as multiple claims and premium waivers, but the corresponding costs are also very high. Parents can first roughly estimate the ** cost and follow-up expenses of critical illness, and determine the sum insured according to this to avoid unnecessary expenses; Parents with good family conditions can choose a children's critical illness insurance product with more comprehensive coverage.

Product type

There are two types of children's critical illness insurance: consumption type and return type, and it is recommended that parents purchase consumption-based children's critical illness insurance. Not only is this type cost-effective, but the insurance period of consumer-based children's critical illness insurance is relatively short, as long as it covers the child's growth period, the possibility of children suffering from certain diseases after this growth period is greatly reduced.

Now the living environment is getting worse and worse, some major diseases begin to involve children, once the child unfortunately suffers from a serious illness, it is tantamount to the destruction of a family, as parents should have a sense of distress, make arrangements as soon as possible, at this time children's critical illness insurance is particularly important. A small amount of investment will pass on the risk of major illness to the insurance company, and in the event of unfortunate illness, you can get the corresponding compensation protection from the insurance company in one lump sum. While reducing the financial burden on the family, it also saves the lives of young children.

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Children's critical illness insurance can provide critical illness protection for children, and it is necessary to configure insurance for children whose resistance is still relatively weak. It provides critical illness protection specifically for minors, focusing on protecting children with high-incidence diseases.

How to apply for children's critical illness insurance?

1.Pay attention to the high incidence of diseases in children

Children are different from adults, and the incidence of diseases is different from adults.

Therefore, special attention should be paid to whether the high-incidence diseases of the juvenile group can be completely covered, and try not to omit them.

2.The sum insured should be sufficient

Relevant data show that the average medical expenses of critical illness in China are 300,000 yuan, which indicates that the insured amount of critical illness insurance is at least 300,000 yuan in order to have the most basic disease protection.

However, after the end of the critical illness**, it will take a long period of recuperation and spend a lot of money. If the economic conditions are better, you can configure a higher sum insured, which needs to be decided based on your own economic conditions.

3.Adults first, children second

Adults are the most powerful "protective umbrella" for children, and it is best to let yourself get adequate and comprehensive protection before configuring critical illness insurance for children.

4.Don't blind select the duration of the insurance

According to the coverage period, it can be divided into term children's critical illness insurance and whole life children's critical illness insurance.

Term critical illness insurance generally only provides coverage for stage illness, while whole life critical illness insurance can provide stable coverage for lifelong illness.

If your child is in good health, you can choose term critical illness insurance to provide protection for stage illnesses.

If the child's health is not particularly good, but you can still apply for critical illness insurance, you can also apply for lifelong critical illness insurance. This can avoid the risk of the child's health being denied coverage due to changes in his or her health in the future.

In generalChildren's critical illness insurance and children's medical insurance can provide disease protection for children, both of which need to be configured for children

Children's critical illness insurance keep these three points in mind, buy term insurance, don't buy whole life insurance, don't buy additional insurance, buy consumption type don't buy return type. Buying term insurance instead of whole life insurance means not buying the update and iteration of whole life insurance products. When children reach the age of twenty or thirty, there must be products with better cost performance.

Personal experience suggests that you buy according to the annual purchase, the cost is less than 2000, large insurance companies, do not buy investment or pay how many years to return the principal, the premium is high, and it is not practical.

** people who have been in the industry for nine years are recommended to purchase the order of accident, accident medical treatment, hospitalization medical treatment, critical illness, and education funds.

First, the insured amount should be sufficient, at least to transfer the risk, and it is recommended that the insured amount should be at least 500,000 yuan. Second, give preference to consumer products, which are cheaper. Third, give priority to lifelong protection.

If you have a limited budget, choose 20 or 30 years to ensure that your child has enough coverage before independence. Since children's high-incidence critical illnesses are different from those of adults, when applying for critical illness insurance for children, it is also necessary to pay attention to whether there is an additional benefit function for children's high-incidence critical illnesses. For example, leukemia, encephalitis, severe hand, foot and mouth disease, etc.

Children's critical illness insurance can generally be purchased in the following ways:

1.Bring the valid ID cards of the guardian and the child to the offline service outlets of the insurance company to purchase;

2.You can contact insurance brokers and insurance people to purchase;

3.It can be purchased in the official account of the insurance brokerage platform. In general, you can enter it from the menu menu of Strict Insurance Selection, Buy Insurance, etc. in the menu bar.

You can see the insurance products, select the critical illness insurance category, and then choose the insurance according to your actual needs and premium budget;

4.It can be purchased on the insurance company's website. For example, to purchase critical illness insurance in Chinese Life, you can enter from the product center in the navigation bar of Chinese Life's official website, select health insurance, and then select the appropriate critical illness insurance product to apply;

5.It can be purchased in the insurance company's official account. For example, if you purchase critical illness insurance in Ping An Insurance, you can access the more popular products from Buy Insurance in the menu bar of Ping An Insurance's public account.

After selecting Critical Illness in the Insurance interface, you can select the appropriate critical illness insurance product for coverage.

It is important to note that there are also the following points to pay attention to when purchasing critical illness insurance for children:

1.See whether it includes common childhood diseases, the maximum number of claims for diseases, and whether the claim conditions are harsh;

2.Premiums must not exceed the family's financial affordability;

3.When the premium budget is sufficient, the higher the sum insured, the more practical it is.

4.Before buying serious illness insurance for children, you should consider giving basic protection to adults;

5.When buying critical illness insurance for children, you can consider adding a policyholder waiver, so even if the policyholder triggers the waiver benefit later, the subsequent premiums can be waived, but the child's protection is still effective.

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