Taikang Life Insurance recently launched a new children's insurance-Taikang Almighty Baby.
Taikang Almighty Baby is an insurance developed for minors, and the insured age is 0 (discharged 30 days after birth)-17 years old (inclusive); And it is term insurance, and the insurance period is 30 years.
This insurance combination is more complicated. Let's take a look together.
Taikang Almighty Baby * * has four products, namely Taikang Almighty Baby A Pension Insurance, Taikang Accessories Almighty Baby A Critical Illness Insurance, Taikang Almighty Baby B Pension Insurance and Taikang Accessories Almighty Baby B Hospitalization Allowance Medical Insurance. These four products constitute two protection plans, one is the all-round baby health protection plan, and the other is the all-round baby protection plan.
Are you dizzy? Let's take a look at these two protection plans respectively.
All-round infant health protection plan
Taikang Almighty Baby A Pension Security and Taikang Accessories Almighty Baby A Critical Illness Insurance constitute Taikang Almighty Baby Health Protection Plan.
The health protection plan consists of two insurances and one critical illness insurance. Generally speaking, it can be seen that its insurance liability includes survival liability, death liability and major illness liability. What is the specific insurance liability?
Insurance liability:
death insurance
If the insured dies, we will pay the death insurance money to the beneficiary according to the basic insurance amount of this contract, and this contract will be terminated.
High disability insurance
If the insured is severely disabled, we will pay high disability insurance benefits to the beneficiaries of high disability insurance benefits according to the basic insurance amount in this contract, and this contract will be terminated.
Survival insurance money
The insured still exists at the expiration of the insurance period of this contract, and we will pay you 120% of the insurance premium (excluding interest) accumulated in this contract and Taikang additional universal baby critical illness insurance, and this contract will be terminated.
King of critical illness insurance
If the insured suffers from serious diseases (regardless of one or more diseases), we will pay the critical illness insurance premium to the beneficiary of the disease insurance according to the basic insurance amount in this supplementary contract, and this supplementary contract will be terminated at the same time as the main contract.
Children's special disease insurance money
If the insured suffers from children's special diseases (one or more), we will pay the children's special disease insurance money to the beneficiary of the disease insurance money according to the basic insurance amount in this supplementary contract, and this supplementary contract will be terminated at the same time as the main contract.
Product characteristics
The biggest feature of Taikang's all-around baby health protection plan is the responsibility of children's special disease insurance. Children's special diseases are also included in the scope of major diseases. When the insured suffers from children's special diseases, the insurance company not only pays the children's special disease insurance premium, but also pays the critical illness insurance premium, so that the insurance compensation reaches twice the basic insurance amount of the insurance contract.
What are the special diseases of children?
As can be seen from the insurance clauses, there are 10 kinds of special diseases for children defined in this contract, namely: leukemia, major organ transplantation or hematopoietic stem cell transplantation, sequelae of encephalitis sequela or meningitis, severe aplastic anemia, severe hand-foot-mouth disease, myasthenia gravis, severe Kawasaki disease, severe infective endocarditis, mental retardation caused by disease or trauma, and severe juvenile rheumatoid arthritis.
All-round baby all-round protection plan
The universal protection plan consists of the above-mentioned health protection plan+Taikang universal baby B old-age security+Taikang accessories universal baby B hospitalization allowance medical insurance.
Based on the health protection plan, the comprehensive protection plan has increased the medical allowance protection.
insured liability
All responsibilities of the health protection plan
Hospitalization allowance insurance
When the insured is hospitalized, we will pay the hospitalization allowance insurance premium to the insured according to the actual hospitalization days of the insured and the hospitalization days agreed in this supplementary contract, namely:
Hospitalization allowance insurance = actual hospitalization days × hospitalization days.
In summary
1, Taikang Almighty Baby is a return term insurance for minors with a term of 30 years;
2. It has two different forms of protection: all-round baby health protection plan and all-round baby all-round protection plan;
3. The all-round baby health insurance plan is essentially a critical illness insurance, which is characterized by double protection for 10 kinds of critical illness that children often suffer;
4. All-round baby all-round protection plan is based on the health protection plan, which increases the hospitalization medical allowance protection.