1, Guolian Life Huixian 2022:
This product has built-in protection for serious diseases, moderate diseases, mild diseases, special diseases of children and rare diseases of children. Basic protection is thorough and sufficient. Secondly, the guarantee is very flexible. According to the requirements of different groups, we can choose disease care fund, multiple compensation for serious illness, secondary compensation for cancer, hospitalization allowance for severe hand, foot and mouth disease, and death/total disability protection. It is worth mentioning that it can be insured for 30 years, 70 years or life, which can be used as consumer critical illness insurance or savings critical illness insurance.
Finally, what child insurance is good on the market now? If we consider it from the perspective of high cost performance, the interest rate of this product is very friendly. 0-year-old boy, the insured amount is 500 thousand, and the insurance premium is paid in 20 years. There is no optional obligation. 460 yuan, a 0-year-old boy, and 490 yuan, a 0-year-old girl.
2. Beijing Life Bumblebee No.7 Universal Edition:
The product has built-in protection for mild, moderate and severe diseases, and also covers protection for special and rare diseases of children.
Secondly, after paying for serious illness, minor illness and vertical illness can still be paid, which is very characteristic.
Thirdly, the choice will be relatively convenient. You can choose several kinds of compensation for serious illness, hospitalization allowance for serious illness, additional compensation for tumor, and death/total disability protection.
500,000, 20 years, no death protection, 0-year-old baby in 600 yuan for one year.
3. Health and Welfare critical illness insurance (guaranteed for 20/30 years)
There should be no shortage of protection for serious illness, moderate illness and minor illness, and there are many optional obligations for life. If there is a budget and the nature is relatively strong, the additional compensation of 100% is basically guaranteed if10 specific diseases are diagnosed. The great advantage of this product is its high cost performance, and it can be repaid in installments. 0-year-old children can buy 500,000 insurance for 30 years every year, and only 30 yuan can't afford it every month.
How much is the critical illness insurance for one year? Critical illness insurance avoids serious financial risks for everyone. Therefore, the insured amount must be high enough to have practical significance when the risk comes. Mainly used for work-related injuries, daily expenses, postoperative nutrition expenses and other expenses. However, due to different circumstances, the interest rate of critical illness insurance is also different. What is the insurance cost of critical illness insurance for one year depends on the comprehensive situation of personal basic conditions. For the following products.
1, one-time guarantee of balanced products in all aspects:
For example, Guo Fu lived Darwin 6.
Darwin 6 has all-round basic guarantee and built-in second illness insurance fund. Suppose the tragic person suffered from a serious illness before the age of 60. After compensation, if the interval is 1 year, he can pay again. The maximum compensation is 100%, which is equivalent to multiple payments before the age of 60. There is no classification.
In addition, after additional compensation for extra serious illness, 100% can be paid before the age of 60, and the insured amount is sufficient.
What's the annual premium for that kind of critical illness insurance? We can give an example to understand:
Assuming that the insured amount is more than 500,000 yuan, and there is no death protection, it will be paid in 30 years:
(1) male aged 30: 55 15 yuan/year;
(2)30-year-old female: 4 1 15 yuan/year.
2, several times to ensure the most cost-effective critical illness insurance products:
For example, harmony and health Apollo 2
The advantage of this product is that in the end, it will not be paid for many times and paid for three times. You can freely attach death, and you also have the obligation to attach compensation before you are 60 years old. It is very cost-effective in many payments, but it should be noted that people over 40 can buy up to 450 thousand.
1. Assuming the insured amount is more than 500,000 yuan, it is guaranteed for life. Without death protection, it will be paid in 30 years:
(1)30-year-old male: 5955 yuan/year;
(2)30-year-old female: 4985 yuan/year.
2. Assume that the life-long guarantee with an insured amount of more than 500,000 yuan, including death protection, will be paid in 30 years:
(1)30-year-old male: 8985 yuan/year;
(2)30-year-old female: 7825 yuan/year.