The best critical illness insurance for children at the moment, and the current ranking of the best

There are many excellent children's critical illness insurance on the market, such as China Merchants Renhe's Qingyunwei No. 1 and Beijing Life Insurance's Bumblebee No. 7, which are all well-selling children's critical illness insurance on the market. There are also many parents and friends who buy Tongfang Global Versailles Plus Critical Illness Insurance for their children, and the response is also very good. You can click on the following article to see how the warranty content of this product is:

Versailles Plus Critical Illness Insurance is back, an in-depth review must be seen before buying!

But then again, there are a lot of good children's critical illness insurance, but it's hard to say which one is the best. Because each child's situation is different and the protection needs are different, the "best" critical illness insurance suitable for them must be different, and parents and friends should analyze it in combination with specific products.

However, when buying critical illness insurance for your child, you must pay attention to the following:

1.The sum insured first, then the coverage period.

The sum insured of critical illness insurance represents the strength of the payout, and if the sum insured is lowered in order to obtain a longer period of coverage, it may lead to a situation where the sum insured is insufficient at the time of the accident. Therefore, parents and friends must give priority to the full amount of insurance when applying for critical illness insurance for their children, and then consider the choice of protection period. I recommend everyone to take a look at this article:

Should I choose term or lifetime critical illness insurance?

2.Adults first, children second.

Many parents are busy buying insurance for their children, but they haven't bought any of their own insurance, which is not good! Because adults are the biggest protection for children, before buying insurance for children, adults must give priority to their own protection!

Finally, the senior sister has compiled a list of excellent children's critical illness insurance on the market, you can learn more about it: Top 10 ultra-cost-effective children's critical illness insurance, don't miss this treasure strategy!

Summary. <>

Hello dear <>

At present, the best children's critical illness insurance is ranked as follows: 1, Pacific Insurance Company Children's Critical Illness Insurance 2, Chinese Life Children's Critical Illness Insurance 3, Ping An Children's Critical Illness Insurance 4, Chinese People's Insurance Children's Critical Illness Insurance 5, China Pacific Insurance Children's Critical Illness Insurance 6, Chinese Life Children's Critical Illness Insurance 7, Chinese Insurance Children's Critical Illness Insurance 8, Ping An Children's Critical Illness Insurance 9, China Pacific Insurance Children's Critical Illness Insurance 10, Chinese People's Insurance Children's Critical Illness Insurance.

Ranking of the best children's critical illness insurance at the moment.

Hello dear <>

At present, the best children's critical illness insurance rankings are as follows: 1. Burang Pacific Insurance Company Children's Critical Illness Insurance 2, Chinese Life Children's Critical Illness Insurance 3, Ping An Children's Critical Illness Insurance 4, Chinese People's Insurance Children's Critical Illness Insurance 5, China Pacific Insurance Children's Critical Illness Insurance 6, Chinese Life Children's Critical Illness Insurance 7, Chinese Insurance Children's Critical Illness Insurance 8, Ping An Children's Critical Illness Insurance 9, China Pacific Insurance Children's Critical Illness Insurance 10, Chinese People's Insurance Children's Critical Illness Insurance.

Critical illness insurance refers to the commercial insurance behavior handled by the insurance company to pay the insurance money according to the insurance contract when the risk of specific critical diseases, such as malignant tumors, myocardial infarction, cerebral hemorrhage, etc., occurs when the insured reaches the critical illness status agreed in the insurance terms.

No product is the best, only to see if it is suitable for your family. You can analyze it from the following dimensions to see if it is suitable for your child:

1. Children's critical illness insurance is divided into consumption, savings and return.

Consumer-based critical illness insurance:

There is no liability for death, and the sum insured of the critical illness claim is not out when it expires, the premium cannot be refunded, and the premium is consumed, so it is called consumer-based critical illness insurance!

The coverage period of consumer-based critical illness insurance is generally one year, fixed term (e.g., 20 years, 30 years) and lifelong.

Consumer-based critical illness, because there is no death liability and premium refund, the premium is relatively cheap with the same sum insured!

Savings Critical Illness Insurance:

If you have a liability for death benefit, you can pay for death or serious illness.

The term of protection for a savings critical illness insurance is generally lifelong. It can be simply understood as consumption-based critical illness insurance plus death liability benefit.

The cash value of savings critical illness insurance is relatively high, and if there is no compensation when you are old, you can choose to surrender the policy and get back a sum of money as a supplement to your pension, of course, the protection will be invalid after surrender.

Returnable Critical Illness Insurance:

Return-based critical illness insurance is"If you lose money if you are sick, you will have nothing to return to your capital"。

The difference between returnable critical illness insurance and savings critical illness insurance is that returnable critical illness insurance can be returned without surrender, and the protection is still effective after receiving the return!

Returnable critical illness insurance is the highest for the same sum insured**.

2. Children's critical illness insurance first considers whether the insured amount is sufficient, and then considers whether the budget is sufficient.

In general, it is recommended that the insurance amount of children's critical illness insurance is higher than 500,000, and then choose according to the budget.

The better children's critical illness insurance includes a high sum insured, including children's special illness protection liability, so when choosing children's critical illness insurance, try to give priority to the amount of insurance, and if you have a sufficient budget, you can choose long-term critical illness insurance.

1.Disease risk

According to the survey of the International Society of Pediatric Oncology, the incidence of childhood cancer has increased at a rate of about 10 years every year.

For example, leukemia, which has the highest incidence, seriously threatens the life and health of children.

According to the integration of various data and claims data, there are 16 types of critical illnesses with a high incidence of children:

2.Critical illness insurance has an income supplemental effect

When a child is sick, parents must choose to leave their work to take care of the child, which will have a great impact on the family income.

But if you have a critical illness insurance in hand, then you can greatly alleviate the financial problems and make the process smoother.

3.Children's critical illness insurance has low premiums

As we all know, insurance rates go up with age, and the sooner you buy insurance, the cheaper the premiums will be.

Children's critical illness insurance that is worth buying

Hengqin Jiabei Insurance: Additional benefits for critical illness.

Fosun United Mommy Baobei: Cost-effective and flexible insurance.

Guardian of Love: Multiple claims for critical illness.

Ruitai Sunny Day Warranty Transcendence: Upgraded version, more protection.

Love Happy Little Baobei: Critical illness is not grouped and paid multiple times.

When choosing a product, it is important to pay attention to whether the specific diseases of children cover 16 types of high-incidence critical illnesses in children, and also pay attention to the amount of compensation and age limit. Generally speaking, there are a variety of coverage periods for critical illness insurance, such as 10 years, 20 years, up to the age of 70 or for life, etc. If you can afford it, it is recommended to choose long-term coverage, such as protection up to age 70, or protection for life.

You can configure whole life critical illness insurance, with a premium of more than 2,000 a year, with an insured amount of 500,000, and if you meet the claim situation, the insurance company can pay multiple the insured amount, that is, 750,000. If you have another serious illness after one year, you can also pay a second time.

Do you want to buy consumer or lifetime critical illness insurance, the former is cheaper and can be bought once a year, but the sum insured is relatively low and the coverage is not continuous. Although the latter has a higher premium and continuous payment every year, the sum insured and protection are relatively comprehensive. How to buy depends on your economic conditions, if your family economy is average, you can buy the consumer type first, the economic conditions are better, you can choose the lifelong type.

Seeing a doctor is expensive and we can't afford to be sick, we don't dare to get sick, and we don't dare to let our children get sick.

Parents who feel sorry for their children hope to give their children a guarantee, and they don't want the helplessness and tragedy of having no money to see a doctor.

As a result, children's critical illness insurance has attracted more and more attention from parents.

How to buy children's critical illness insurance? Zhu Baojun will tell you!

1. Regular or lifelong?

Should I choose to buy critical illness insurance for my child until the age of one, or choose to protect it for a longer period of time, or even for life?

First of all, there is no one standard answer to this question, and in addition to the consideration of the premium budget, there is another important aspect that is the health factor.

There are health requirements for buying critical illness insurance, and Zhu Baojun has encountered a case where he was rejected by the insurance company because of pulmonary nodules in his twenties.

If you purchase fixed-term insurance, after the expiration of the contract, some physical abnormalities, such as hepatitis B, pulmonary nodules, thyroid nodules, etc., may affect the purchase of critical illness insurance again.

This is also an important reason why many parents want to buy long-term or even lifelong critical illness insurance for their children even if they spend more money.

2. Single payment or multiple claims?

Most of the term critical illness insurance for children on the market is a single claim product, such as Anbang Harmony's Hui Xin'an, Bumblebee, etc.

Although the risk of critical illness in children is very low, there is still a certain probability of it, and it has gradually increased in recent years.

The biggest disadvantage of single-payment critical illness insurance is that once the insurance contract is terminated after receiving a single claim, the insured may not be able to participate in the insurance for the rest of his life, and the life cycle of the child is long enough, so long-term and multi-payment critical illness insurance is still very valuable.

Another feature of Fosun Mommy Baby is that it can choose to add critical illness without grouping and pay one more claim, which is an optional liability.

So we are now faced with the question, is it necessary to attach additional critical illness multiple claims?

The answer given by Zhu Baojun is: the additional meaning is not much.

The reasons are as follows: First of all, the probability of a child's critical illness is extremely low, otherwise it would not be so cheap, and the probability of two critical illnesses in 30 years is even lower.

Secondly, even if a critical illness really occurs, the coverage period of the additional second claim can only be up to the age of 30.

In this way, after the expiration of the 30-year-old contract, it is still not possible to purchase critical illness insurance again.

Therefore, if you are not short of money now and want to give your child better protection, then it is recommended to directly choose multiple claims, long-term or lifelong protection.

In addition, whether it is the New Rural Cooperative Medical System in rural areas or the medical insurance for urban residents in urban areas, it is very important to apply for it in a timely manner after the birth of the child.

Medical insurance and critical illness, one is reimbursement and the other is payment, the two will not conflict and complement each other, so as to give children and families a stable protection.

Finally, it is necessary to emphasize again that buying insurance is "adults first, then children".