Which children s insurance is good in the current market? How much is critical illness insurance per

Ping An Fu and Guo Shou Fu are all more suitable for children's parenting, and critical illness insurance requires thousands of yuan a year.

Huixin'an 2022 is a children's insurance launched by Guolian Life, with flexible and comprehensive coverage. There are generally two types of critical illness insurance, one is the main insurance and the other is the additional insurance.

You can choose to sell life insurance for children in Beijing, and the critical illness insurance is more than 300 yuan a year, which can certainly be affordable for ordinary families.

The premium for critical illness insurance for children is relatively cheap. The earlier the configuration, the lower the rate, the longer the guarantee time, and the easier it is to buy products suitable for children. If you have a limited budget, it is recommended to buy regular products, first guarantee for 20 years and 30 years, and then change to a longer term guarantee when the child grows up.

At present, the better children's insurance companies on the market include Qingyunwei No. 2 Children's Critical Illness Insurance of China Merchants Renhe Life Insurance and Xiaoqinglong Children's Critical Illness Insurance of Junlong Life Insurance. Next, the senior sister will take you to see the protection content of Qingyunwei No. 2, and calculate the premium to see how much money you have to pay in a year. You can also take a look at this article first to understand the characteristics of a good critical illness insurance:

A good critical illness insurance policy looks like this! You've been lied to for so many years.

Qingyunwei No. 2 Children's Critical Illness Insurance can be insured for 30 years, up to the age of 70 or for life, and the insurance age is 28 days to 17 years old. This insurance provides mild to moderate illness coverage for high-incidence critical illnesses, and the corresponding ratios of mild to moderate illness coverage reach 30% and 60% of the basic sum assured respectively. Depending on the coverage period, the product may cover or choose the Illness Care Insurance Benefit, and a certain percentage of additional benefits will be paid for the first diagnosis of mild, moderate and critical illnesses before the age of 60 in the first 15 policy years.

This insurance also has 20 children's specific diseases and 10 children's rare diseases, as well as the insured's first mild, medium and critical illness waiver. Optional liabilities include a second critical illness benefit, a second "malignancy-severe" benefit, an intensive care unit subsidy benefit, and a policyholder waiver. If you want to know more about this critical illness insurance, you can follow this link:

How about China Merchants and Qingyunwei No. 2 Children's Critical Illness Insurance? You'll know after reading it!

Suppose a 7-year-old girl chooses the sum insured of 500,000 yuan (500,000 yuan is a more reasonable sum insured) and a 30-year payment period to protect the whole life, and the total disability insurance benefit option 2 (i.e., pay the premium paid before the age of 18, and pay 100% of the basic sum insured at the age of 18 and later). With all optional liability attached, the annual premium is $1. If your gender, age, and payment period remain the same, you can choose a different coverage period, a total disability benefit plan, or a reduction in optional liability, and the premium will be lower.

It can be said that the cost performance of this Qingyunwei No. 2 is quite high.

Finally, the senior sister would like to remind everyone that in addition to children's critical illness insurance, we also need to insure our children with millions of medical + small medical insurance (if the budget is not large, priority is given to millions of medical insurance), as well as accident insurance and other types of insurance. If you want to save for your child's education in college, you can also consider children's pension insurance. You can take a look at this article to find out how to buy insurance for your child:

In-depth article - How to buy insurance for children? Netizens shouted: Why did you only see it now.

1. Light, medium and heavy are protected, and the amount of critical illness insurance will increase. The product covers 110 critical illnesses + 20 moderate illnesses + 40 mild illnesses, and in the first 11 policy years, the critical illness sum insured will increase by 20% of the basic sum assured every 2 years, and the basic sum assured will be increased by 100% in total, which can reach 200% of the basic sum assured. 20 types of moderate illnesses can be compensated for a total of 2 times, each time is 60% of the basic sum assured; A total of 3 claims can be made for 40 minor illnesses, each time is 40% of the basic sum assured, and the mild, medium and severe diseases are fully covered, and the protection is relatively comprehensive.

2. Additional compensation for children's special diseases. Huixin'an No. 3 will pay 2 times the basic sum insured for the first 6 years of 22 types of juvenile and children's multiple critical illnesses, and 1 times the basic sum insured will be paid for the first time when the insured is under 30 years old and the insured is under 30 years old from the 7th year. Multiple sepsis, brain tumors, lymphomas, and more severe Kawasaki disease are all included, and the specific illness rider can further transfer the financial pressure, and it is extremely important to cover the expenses of the child and make up for the damage to the family's annual income.

3. Two-way exemption is warm-hearted, and there is also personalized service. The product has a built-in beneficiary mild illness and moderate illness exemption, which can add the insured's critical illness, moderate illness, mild illness, death and total disability exemption, and the two-way exemption fully reflects the human care. At the same time, Huixin'an No. 3 can also enjoy a variety of personalized services after purchasing insurance, such as ** doctors, expert visits, inspection of urgent items, hospitalization ** and other critical illness green pass services to reduce the pressure of medical treatment.

There are also loyal user rights, and the purchase of insurance in the middle and later stages is guaranteed.

Common diseases of children's critical illness insurance generally include: sepsis, lymphoma, neuroblastoma, Wilms tumor, severe type I diabetes, severe reconstructive aplastic anemia, severe asthma, severe heart disease, severe cardiomyopathy, severe Kawasaki disease, severe brain injury, muscle weakness, severe hand, foot and mouth disease, severe Reye's syndrome, severe muscular dystrophy, osteogenesis imperfecta, severe point county, severe juvenile rheumatoid arthritis, Relatively serious hemophilia A and B, brain tumors, etc.

Not all common illnesses in children's critical illness insurance include all common critical illnesses in children, and the actual situation depends on the specific requirements of the commercial insurance contract text.

Critical illness insurance (commonly known as critical illness insurance) generally refers to the insurance company's personal behavior of the insurance company in accordance with the policy commitment to pay the guarantee when a specific critical illness, such as tumor, acute myocardial infarction, cerebral thrombosis and other diseases as a potential safety hazard, when the insured achieves the critical illness situation agreed in the insurance contract.

Generally speaking, children's critical illness insurance can choose the kind of insurance coverage with a high amount, so that there will be more reimbursement at that time, and children's critical illness insurance covers some diseases that children often commit.

I think it's better to buy critical illness insurance, not only with a wide range of coverage, but also for a longer period of time, including leukemia, tumors, very serious diabetes or severe asthma and heart disease.

We try to buy insurance from a large company like Life Insurance because it is easier to settle claims after an accident. Critical illness insurance covers leukemia and some major cancers.

Million Medical, Mommy Baby New Version, Fude Life Huibao Insurance, Perfect Life Guardian 2021, etc. are all children's critical illness insurance.

Now the insurance market is relatively perfect, suitable for children's critical illness, there are many insurance, but how to buy the most suitable children's insurance does not need to be solved in one sentence, because different children's critical illness insurance has different characteristics and advantages, the amount of insurance and the scope of protection are not the same, it is necessary to plan according to the policyholder and the child's own conditions, and come up with the most ideal purchase plan.

1. Fude Life Huibao Insurance

Children's critical illness insurance in addition to millions of medical treatment, there is also Fude Life Huibao Insurance, this insurance product covers a wide range of serious illness, and the compensation is large, in the special critical illness protection is better, it can be paid for the child's serious illness 5 times, and each time can do 100% compensation, but within the scope of the policy, mild illness is also within the scope of protection, you can enjoy three to four claims, this insurance has a variety of protection periods, different options for the amount of insurance premiums can also be flexibly mastered.

2. Perfect Life Guardian 2021

Perfect Life Guardian, 2021 is also a critical illness insurance suitable for children, it not only covers 25 kinds of children's critical illnesses stipulated by the state, but also includes many minor illnesses, after signing the insurance contract, if the child gets sick can get the corresponding compensation, and its protection time is particularly long, after insurance, illness before the age of 60 can be effectively paid. It is said that the payout for the first illness can be as high as 180%, which is a critical illness insurance suitable for children to buy for a long time, and has great advantages in terms of compensation strength.

3. How to buy the most suitable children's insurance

Children's insurance should be considered from many aspects to comply with the five major insurance principles, so that you can buy the most suitable children's insurance, first of all, the premium should account for about 10% of the family insurance amount, when choosing the type of insurance, it should be the first million medical treatment, then critical illness insurance, and finally accident insurance, but also to buy small medical insurance and outpatient insurance for children, family conditions are better, the budget is sufficient, you can buy lifelong major medical insurance for children, If you plan according to these conditions, you will know what kind of insurance is most suitable for your child.

Children's critical illness insurance includes Children's Comprehensive Medical Insurance, Taikang Little Genius Comprehensive Protection Plan, Health e-Protect (Children's Edition) Critical Illness Protection Plan, etc. Parents should find professional insurance companies to buy children's insurance for their children, such as Chinese Life, Ping An Insurance, etc., and do a comprehensive physical examination for their children before purchasing insurance to understand which disease insurance content is more concerned about.

What is the Children's Critical Illness Insurance? What is the best way to buy children's insurance? In fact, the topic of insurance is now very much discussed.

In fact, I think it is more reliable to buy children's critical illness insurance from a larger company. Like Ping An Insurance and Pacific Insurance, they will tell you about various services in detail. There are also charges.

All of them are more professional. This will allow you to avoid some pitfalls when buying insurance. Because the insurance industry is still relatively deep.

So find professional people to do professional things.

Malignant tumors, leukemia, liver problems, articular cartilage problems, small bowel malignant tumors, brain damage, meningitis, etc., can be insured. You should understand your child's physical condition, choose the right insurance for your child, and pay attention to the skills of buying insurance.

There are many, such as leukemia, cytoma, diabetic asthma, myocarditis, muscle weakness, oligosmopody, cardiomyopathy, etc., to find a particularly good insurance company, you must pay attention to the coverage amount of this insurance, and you must pay attention to the cost performance.

The more illnesses covered by critical illness insurance, the higher the premium. Generally speaking, the most important thing when choosing critical illness insurance is to check whether the terms include common cardiovascular, organ diseases and senile diseases, with these three categories, it basically meets the protection needs of general policyholders. How much is children's critical illness insurance, different Lu Xian's insurance products are different.

Consumption of Spike Belt Critical Illness Insurance** will be lower than that of Returnable Critical Illness Insurance**. When buying children's critical illness insurance, it is best to consider the products suitable for children, and consider them according to their own economic situation and the actual needs of their children, and then decide whether to buy or not to buy the insurance terms to avoid losses. The cost of critical illness is as little as 70,000 yuan or 80,000 yuan, and more than 100,000 yuan or even higher, so experts suggest that consumers buy an insurance amount of 100,000 yuan to 200,000 yuan is more appropriate, because the protection function of less than 100,000 yuan is too weak, and more than 200,000 yuan is not necessary for ordinary consumers.

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

Do children need insurance? Of course it needs to be ...

Xueba talks about insurance, and teaches you to choose the best insurance for your child! This year, the comparison table of 136 best-selling children's critical illness insurance has been updated, click on the blue word to claim it immediately.

How to buy insurance for your child

First, medical insurance is essential, especially for children!

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, 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. Secondly, critical illness insurance is paid directly in cash after getting sick, which can not only be used to treat diseases, but also solve many hidden problems caused by illness, such as the delay in studies caused by medical treatment and some losses in subsequent life, which require a lot of cash to make up. Buying a pure protection critical illness insurance can 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, the insurance amount of 10,000 yuan is only 1,200 yuan per year, and the cost performance is very high.

Finally, it is necessary to configure an accident insurance, the child's accident insurance is particularly cheap, and the insurance amount of 20w only needs sixty or seventy yuan per year, which can protect the child's accidental death, accidental disability and accidental medical liability, which is very practical.

Third, don't buy both types of insurance for your child!

Don't buy life insurance for your children, and try not to choose critical illness insurance with both. The specific reasons I know are in this answerDon't buy either type of insurance for your child! Comprehensive insurance strategy!

There is a detailed introduction in it, and because it is written in detail, I will not introduce it here.

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

That's all for me"Which is better for children's critical illness insurance?"