In fact, most of the challenges faced by children in the process of growing up are diseases and accident risks, so parents had better configure critical illness insurance, medical insurance and accident insurance for their children.
The following seniors will introduce you to the products with high cost performance and comprehensive protection according to these three types of insurance.
Before we started, Senior Sister shared with you the secret of how to save money by buying insurance for children:
"Less than 1000 yuan, take the child's insurance! 》
I. Recommendation of critical illness insurance for children
Critical illness insurance is a kind of payment insurance, which can be paid in one lump sum according to the contract, mainly used to compensate income and pay medical expenses. Children's critical illness insurance recommended by senior sister is Mommy Bao Bei's new edition and Huibao.
1. Mommy Baby Newborn Edition-Single Payment for Critical Illness Insurance
Mommy, baby, the newborn version has a high proportion of compensation. Among them, 20 kinds of children's specific diseases can be paid extra 100% of the basic insurance amount, and 5 kinds of children's rare diseases can be paid extra 200% of the basic insurance amount, and the age of payment is not controlled.
In addition, the optional responsibilities of the new version of Mommy Baby Care are sufficient. Among them, the second payment for serious illness and the second payment for malignant tumor and serious illness can both pay 100% of the basic insurance coverage. In addition, there are accidental hospitalization allowance for children's vaccination and accidental medical treatment for children, and the upper limit of compensation is 1 10,000 yuan. Parents can choose flexibly according to their own needs.
2. Remit the baby-multiple payment of critical illness insurance
Bao Hui offers no more than five compensation opportunities, and a single compensation is all basic insurance coverage. And if you are diagnosed with a serious illness for the first time after the insurance policy is less than 10 years old or 40 years old, you will have the opportunity to get an additional 50% of the basic guarantee. If a serious illness is diagnosed for the first time, you can pay 150% of the basic insurance amount. It can be seen that this compensation is simply unreasonable.
Moreover, Huibao has a higher proportion of compensation for children's diseases. For these 20 kinds of children's specific diseases, they can pay 120% of the basic guarantee amount, and the guarantee amount for five kinds of children's specific hereditary and congenital diseases is 80%, but the payment age is limited to 25 years old.
In addition, Huibaobao can also choose whether to add malignant tumor-severe secondary compensation or accidental fracture insurance to provide corresponding protection for children, and parents can choose according to their needs.
If you want to know more about Huibao, you can read this article:
"Fude Life" Huibao "is coming strongly, and I will tell you whether it is worth buying in three minutes! 》
Second, medical insurance recommendations
Medical insurance belongs to reimbursement insurance, and hospitalization, surgery, emergency and other expenses can be deducted before and after. The medical insurance recommended by Senior Sister is Beyond Insurance 2020 and Ping An E Life Long-term Medical Care.
1. Beyond Bao 2020
After 2020, not only the basic security is comprehensive, but also children's accidental hospitalization allowance, children's general accidental hospitalization allowance, children's special disease allowance and special medical care can be selected according to needs.
On the other hand, Chaoyuebao 2020 is also equipped with proton heavy ion protection, which is also the most effective treatment scheme at present, and can be reimbursed 100%. At the same time, there is also reimbursement for drug purchases, and the deductible is decreasing, with a maximum of 5,000 yuan.
In addition, the value-added services after 2020 are also very sound and powerful, for example, the green link of serious illness, the prepayment of hospitalization deposit, the joint consultation of multiple disciplines and so on.
After the warranty period of 2020, it can be renewed for 6 years. No matter whether the product is offline, whether the claim has been made, or whether the health condition has changed, I will not affect the renewal of the warranty. When I continue to buy after six years, I can skip the review.
I won't say much about Beyond Insurance 2020 here. Interested friends can read this article:
"Beyond Treasure 2020" promised a comprehensive upgrade, but my expectations were empty! 》
2. Ping An E life insurance long-term medical care
In terms of basic protection, Ping An E Life? Long-term medical insurance is well established and can be renewed for 20 years. During this period, whether the product is discontinued or claims appear, or the body is sick, it will not interfere with the renewal. The medical insurance provided is not only long-term but also not easily affected.
Also, ping an e life insurance? Long-term medical care provides 30 days' reimbursement guarantee for emergency expenses before and after hospitalization, such as pre-hospital examination and post-hospital review. Compared with the market that only reimburses the emergency expenses 7 days before hospitalization and 30 days after hospitalization, Ping An E life insurance long-term medical treatment is also very dominant.
Third, accident insurance recommendation
The so-called accident insurance is to protect the death/disability caused by accidents or to reimburse the medical expenses caused by accidents. The accident insurance recommended by Senior Sister here is Shi Sheng Worry-Free Children Accident Insurance.
The coverage of accident insurance for worry-free children in Shi Sheng includes accidental death/disability, accidental medical treatment, accidental death/disability of plane/train/ship/operating vehicle, accidental hospitalization allowance and death of infectious diseases, and the coverage is very comprehensive.
In addition, Shi Sheng Worry-Free Children's Accident Insurance has two protection plans. The premium is different from the insured amount, which can meet the needs of different people.
In addition, in terms of accidental medical treatment, the zero deductible is not limited to social security drugs, and all medical expenses caused by accidents can be reimbursed. Give 50 yuan an accidental hospitalization allowance every day, and 50 yuan can get 90 days.
In addition, Shi Sheng Worry-Free Children's Accident Insurance also has the protection of traffic accident death/disability and infectious disease death, and can get 200,000 claims.
Generally speaking, the content of Shi Sheng children's worry-free accident insurance is relatively complete, and it doesn't cost a lot of money. Generally speaking, it is still very cost-effective, and this accident insurance is still very surprising.
Summary: The above five insurances I shared with my friends are all selected from many insurance products, and they have excellent performance in terms of cost performance and protection. Each product has different highlights. Parents can consider their own needs and income levels, plus the actual situation of their children.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!