1.？ major disease security
Alipay Health Welfare Children's Edition covers 100 kinds of major diseases and pays 1 time.
At present, the insurance coverage of some products on the market will continue to increase. In contrast, the children's version of health welfare only pays the insured amount, which is not very prominent.
2.？ Protection of moderate and mild diseases
The children's edition of health and welfare includes 20 kinds of Chinese medicine insurance, which pays 50% of the basic insurance amount after diagnosis, and does not pay twice in groups;
30 kinds of mild illness insurance, after diagnosis, pay 30% of the basic insurance amount, and pay 3 times without grouping.
Like most online products, this kind of protection is quite satisfactory.
Compared with some offline products, there is a lack of protection for Chinese diseases, and the payment for minor illnesses is only 20%. Alipay Health Welfare Children's Edition is still excellent.
3.？ Children's special disease protection
Dad sorted out the situation of 20 kinds of children's specific diseases in the healthy and happy children's edition:
The Children's Edition of Health Welfare includes 20 kinds of children-specific diseases. If it is diagnosed as a specified special disease of children, it will pay extra 100% of the basic guarantee amount.
Among them, leukemia, Kawasaki disease, hand, foot and mouth disease and other special diseases of children are high, and the protection is still good.
It is worth noting that these 20 kinds of special diseases of children are included in 100 kinds of serious diseases, that is to say, 200% of the basic insurance premium can be paid for the 20 kinds of special diseases specified above.
However, children's special diseases are only guaranteed until 18 years old, and after 18 years old, they cannot get disease compensation.
Many children's critical illness insurance does not limit the age of children's special diseases, and the highest incidence of leukemia in children's special diseases is 0-30 years old.
This age limit greatly reduces the protection for children with special diseases.
4.？ Extra guarantee
Refund of premium at maturity: After the insurance expires, if the insured is still alive, 120% of the paid premium can be returned.
Comparison between Alipay Health Welfare Children's Edition and Hot-selling Products;
Draw a direct conclusion:
1.？ Pursuing high coverage: ruitai Sunshine Insurance, Guohua Naughty Insurance and Hengqin Bumblebee No.3..
Critical illness insurance in sunny days will increase by 15% every two years, with a maximum increase of 75%. Insure 500,000 yuan, and you can get a maximum of 875,000 yuan.
Under the condition of 30-year guarantee, Guohua Naughty Insurance and Hengqin Bumblebee No.3 will pay 150% of the insured amount in the first ten years; In the case of life insurance, Bumblebee No.3 pays 150% of the insured amount in the first 20 years.
Therefore, consumers who pursue high insurance coverage can consider these three products.
2.？ Pursuit of cost performance: Fosun United with Mommy Baby and Hengqin Bumblebee No.3..
These two products are fully guaranteed. Under the condition of 30-year guarantee, compared with other products, the value-for-money price is relatively cheap and cost-effective.
3. Pursuing the loyal rights and interests of customers: Fosun cooperates with Mommy Bao Bei and ruitai Sunshine Bao Bei.
Under the condition that the insurance age+insurance period is ≤40, and there is no accident, other critical illness insurance products of our company can be insured within 60 days after the expiration of the policy, without health notification and waiting period.
If there are consumers who are interested in loyal customer rights, you can consider Mommy Baby and Qingtian Baby.
4. Alipay fans: Alipay Health Fu Children's Critical Illness Insurance
The guarantee of this product is still relatively comprehensive. If it is Alipay's iron powder, you can look at this product.
Generally speaking, compared with some excellent children's critical illness insurance products on the market, Alipay health welfare children's critical illness insurance has no outstanding advantages. According to their respective needs, choose the appropriate children's critical illness insurance products. Want to know more, you can go to Bababao official website to consult the latest product evaluation, and compare and analyze more, so you will have different choices.