What are the advantages of China Merchants Cigna Children s Education Fund?

Every parent and friend hopes to provide the best living environment and quality of life for their children, and at the same time, they can also provide the most reasonable security for their children. Therefore, when faced with a wide variety of different insurance types and options, which insurance is suitable for children has become a more confusing question for parents.

How to carefully and reasonably insure your child with the corresponding insurance products?

According to the survey: in most of the children under the age of 18 years old related to the claim case, the most claims are accidents and medical treatment, the relevant departments after verification and statistics, the proportion of claims has been as high as 50%, according to which it can be seen that the proportion of diseases and accidents in children is quite high, so when buying insurance for children, child accident insurance and children's medical insurance are essential choices and considerations for parents.

When considering what kind of insurance is suitable for children, parents should fully consider the characteristics of children's poor resistance when they are young, as well as the mischievous and active personality of children when they are young. Therefore, accident insurance for children should be their first choice. Generally speaking, after the baby's age reaches the age of 7, it has a certain resistance.

At the same time, the likelihood of accidental injury increases.

When children are young, they lack the corresponding self-protection awareness and do not have the corresponding self-protection ability. Therefore, in the process of playing with peers, there is a high possibility of accidents. Among children under the age of 14, the first cause of accidental death was accidental injury.

It can be seen that it is of great significance to insure your child with accident insurance. Because the insurance of accident insurance can effectively prevent and avoid daily accidental injuries.

When choosing which insurance is suitable for children, you should also weigh and consider it and do a good job of prioritizing and subordinating. Generally, after considering accident insurance first, medical insurance, and then children's education insurance.

Compared with the option of depositing money in the bank, taking reasonable insurance for your children is not only a long-term investment, but also allows your children to become the biggest beneficiaries in their later studies, education and life. In addition, if the family situation allows, parents can fully combine their own situation and the comprehensive plan of family financial management to reasonably choose other types of insurance for their children.

Reasonable insurance for children can not only provide reliable safety for children, but also effectively reduce the burden on families in case of accidents, and better benefit from insurance.

Just find a professional insurance ** person to consult.

Hello, sorry for your question. This product focuses on the protection of high school, university and further education, so the education allowance can be received from the age of 18 to 25, and the maximum amount of the basic sum insured can be accumulated. In terms of protection, it not only has 30 types of critical illness protection, but also has a premium waiver function.

In addition, while enjoying comprehensive protection, the insured can also receive additional dividends, which can effectively resist inflation and increase the value of the account for a long time.

Compared with other children's insurance products, the premium of China Merchants Cigna Children's Education Fund Insurance products is often higher, after all, it is a long-term insurance type, and the annual payment is often more than a few thousand yuan, which depends on the different insurance products, the payment period and the amount of protection chosen by the parents. Therefore, parents should have their own focus when examining the premium of China Merchants Cigna Children's Education Fund. The products of China Merchants Cigna Children's Education Insurance protect the future and the baby sets sail, and the premiums are naturally different for different products.

In addition, it also has a lot to do with the scope of coverage, the more content of coverage, the higher the premium. In addition, it is also closely related to the size of the sum insured, the larger the sum insured, the higher the premium. In addition to this, the age of the child is also one of the factors, the younger the child, the cheaper the premium, and the older the child, the higher the premium.

With a minimum of 10,000 yuan, China Merchants Cigna Education Insurance has a variety of products, among which the insurance amount of China Merchants Cigna Guardian Future Children's Education Fund is mainly 10,000 to 300,000 yuan.

For example, if you pay a premium of 100,000 yuan, then when the child is 18-21 years old, you can get 30,000 yuan of college education every year, and a total of 120,000 yuan in three years;

22-24 years old can get 60,000 yuan per year for further education, a total of 180,000 yuan, when the age of 25 expires, you can get 100,000 yuan of maturity insurance money, 18-25 years old can get a total of 400,000 yuan, if the child has a serious illness during the waiting period, you can get a one-time claim of 300,000 yuan.

When buying education insurance for your child, you can't just look at the amount of insurance, you need to choose the education insurance that is suitable for your child according to the actual economic situation of the family.

This is related to the premium you pay, for example, if you call the premium of 100,000 yuan, then when the child is 18-21 years old, you can get 30,000 yuan per year for college education, and a total of 120,000 yuan in three years; 22-24 years old can get 60,000 yuan per year for further education, a total of 180,000 yuan, when the age of 25 expires, you can get 100,000 yuan of maturity insurance money, 18-25 years old can get a total of 400,000 yuan, if the child has a serious illness during the waiting period, you can get a one-time claim of 300,000 yuan.

The policies of each company are different, so the regulations are different.

The disease protection of China Merchants Cigna Education Insurance is very sufficient, which can provide children with 30 kinds of critical illnesses, 5 kinds of children's specific diseases, long-term hospitalization allowance and other protection, which can basically resist major health risks on the way of baby's growth. At the same time, China Merchants Cigna Education Insurance also provides unique family doctor services free of charge, which is extremely rare in the same industry. The free family doctor service can not only provide children and their parents with first-class consultation on health, medical and other issues, but also establish exclusive files for children, provide correct guidance for children during sensitive periods, and even provide emergency medical rescue services for parents and children during travel.

In terms of children's education protection, China Merchants Cigna Education Insurance pays more attention to the protection of college and further studies, and can receive a total of 400% of the basic sum insured education fund, of which 18-21 years old can receive 30% per year, 22-24 years old can receive 60% per year, 25-year-old can receive 100%, and the payment period is flexible, you can choose to pay for 3 years, 5 years, 8 years or until the child is 17 years old. CMB Cigna Education Insurance also has a premium waiver liability option, if you choose additional premium waiver protection at the time of purchase, once the parents have an accident (such as the death of the policyholder, total disability or the first critical illness agreed in the contract), not only can the remaining premium be waived, but the insurance contract will continue to be valid to protect the child's growth.

In addition, China Merchants Cigna Education Insurance also enjoys the functions of dividends and policy loans. Dividends can compound assets, effectively resist inflation, and increase the long-term value of the account; The policy loan is more convenient, no medical examination is required, only ** underwriting, and you can apply for up to 80% of the cash value of the insurance.

The advantages of China Merchants Cigna Guardian Future Children's Education Fund Insurance compared with other insurance companies are as follows:

Basic Sum Assured, Education + 30 Critical Illnesses, up to 300,000 + Death2The risk level is 0;

3.You can freely choose the payment time, 5 years, 8 years or up to the age of 17;

4.In addition to the education fund, additional dividends are enjoyed;

5.In the unfortunate event of death, total disability or first serious illness during the waiting period, the remaining premiums will not be paid, and the baby will continue to be covered.

The children's education fund is mainly for the insurance company to provide corresponding education expenses for the education needs of children at different growth stages, so as to reduce the burden on families

The funds are earmarked, and the premiums do not need to be diverted for other purposes;

It can cover 30 critical illnesses.

Critical illness can be waived of maternity premiums.

Additional dividends to combat inflation.

Free family doctor service.

It is easy to insure, and the policy can also be loaned.

Every year, there are a lot of such news, students with excellent grades, because their families can not afford to pay the expensive education costs and drop out of school, the endless education costs tell us to let their children have an education guarantee, children are the hope of every family, but also the flowers of tomorrow of the motherland, as parents, we want to hope to give children the best education, here to recommend China Merchants Cigna education insurance. What is the best coverage for children's critical illness insurance? Which sex price hall wax ratio is high?

Which one is the best to buy? Let's take a look at the inventory of the top 10 insurance companies that sell children's serious illness and critical illness insurance.

How about the education insurance of China Merchants Credit Bank Promise

It is a good choice to buy China Merchants Cigna's education insurance for your child, its many protections allow your child to grow up safer and healthier, and China Merchants Cigna's education insurance also has different product options.

1. China Merchants Cigna Guardian Future Children's Education Fund Protection Plan is not only an education fund, but also covers 30 serious illnesses. The remaining premium will be waived for critical illness and the remaining premium will be waived if the insured is deceased, totally disabled or suffering from a critical illness during the premium payment period. And there are dividends every year, and you can also receive money for 8 consecutive years, and you only need to pay for 3 years to protect until you are 25 years old.

2. Guarding the future of children's education insurance not only has the dual functions of dividends and protection, but also can ensure that parents no longer worry about their children's education expenses in the process of education, so that children can have no worries all the way in the process of education!

3. And the most important thing to buy insurance for children is a guarantee, in the future, with the growth of our own age, the pressure will be more and more, now plan for the child as early as possible, and our pressure will be less in the future, China Merchants Cigna's children's education insurance is really good, not only as an education insurance, but also as an investment and financial management.

4. Finally, China Merchants Cigna Children's Education Insurance pays more attention to the protection of college and further study, and can receive 400% of the basic sum insured education fund cumulatively, 30% per year at the age of 18-21, 60% per year at the age of 22-24, and 100% at the age of 25, with flexible payment periods, you can choose to pay for 3 years, 5 years, 8 years or until the child is 17 years old.

5. There is also a premium waiver liability option, if you choose additional premium waiver protection at the time of purchase, once the parents have an accident, not only can you waive the remaining premium, but the insurance contract will continue to be valid to protect the growth of the child.

China Merchants Cigna Guardian Future Education Annuity Insurance is a children's insurance product that integrates protection, education funds and investment dividends, with powerful functions and product features as follows:

1. Special funds are used to plan education expenses for the baby in advance. Children can receive it every year from the age of 18 to 25, with a total of 400% of the basic sum insured. Prepare college and further education fees for your children in advance, and earmark the funds to ensure that the funds are not diverted for other purposes.

Critical illness protection, all-round care for children. If the child unfortunately occurs for the first time after the waiting period and is diagnosed with any of the 30 critical illnesses for the first time, you can get a high amount of protection to give the child a better **.

3. Critical illness can also be waived from paying the remaining premium. If the policyholder dies after the waiting period, is totally disabled or suffers from a critical illness as agreed in the contract for the first time (in line with the contract), the remaining fees will be waived and the protection enjoyed by the child will remain unchanged.

4. Additional dividends to resist inflation. While enjoying comprehensive protection, you can also get additional dividends, which can effectively resist inflation and increase the value of your account in the long run.

5. Free family doctor service. Provide children and their parents with ** consultation on health and medical issues, establish children's exclusive files, as well as guidance on children's sensitive periods, and travel medical emergency rescue services. Free for unlimited times for one year!

6. It is convenient to insure, and the policy can also be loaned. **Simple underwriting and procedures; For urgent money, the policy can be loaned, up to 80% of the cash value of the policy.

China Merchants Cigna Guardian Future Education Fund.