Which is better, China Life Insurance or Children's Health Insurance?

First of all, answer the main question back and forth. China Life Children's Health Insurance has many different types of insurance, corresponding to different products, such as one million peace of mind treatment, upgraded critical illness insurance, relaxed critical illness insurance, critical illness medical insurance and so on. As for China Life Children's Insurance, it depends on the insurance demand of the insured. Here, Senior Sister takes critical illness insurance as an example to give you a brief introduction.

Before the start of school, my senior sister compiled a study material for everyone. Interested friends can poke the following:

Super full! Everything you want to know about insurance is here.

1. critical illness insurance

Critical illness insurance refers to a kind of health insurance that the insured can only get compensation after the disease is diagnosed or reaches a certain disease state, or after some operation.

Generally speaking, if the insured is diagnosed with a major disease agreed in the contract and meets the compensation conditions of the insurance company, the insurance company will pay the insurance money in one lump sum, and the use of this insurance money is not limited, which can be used to strive for better treatment conditions for the insured and can also be used for rehabilitation treatment after illness.

If you have parents who are interested in taking out critical illness insurance for their children, the following article must not be missed:

Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders!

2. Matters needing attention in children's health insurance

Parents buy insurance for their children, mainly to provide them with a guarantee, so what matters should be paid attention to when insuring their children? The following seniors give some suggestions for reference only:

(1) Pay attention to whether special diseases with high incidence among children are included. Therefore, under the new regulations of critical illness insurance, 28 major diseases are guaranteed, but for some children with high incidence of special diseases, some products are not included, so it is necessary to understand clearly before insurance.

(2) the provisions of the exemption clause. In the event of an accident, the insurance company refuses to pay compensation on the grounds that the insured accident belongs to the exemption clause. In order to avoid subsequent claims, it is necessary to read the exemption clause carefully before insurance.

(3) the length of the waiting period. The general waiting period is 90 days, 180 days. Naturally, 90 days is better than 180 days. The shorter the waiting period, the faster the insured will be guaranteed.

At the end of the article, the seniors also prepared a "cheat sheet" for everyone:

Keep your eyes open when buying insurance, and pay attention to these when buying critical illness insurance!

Hope to adopt

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