Taking this opportunity, Xue Xuejie would like to introduce the advantages of Qingyunwei No.2 children's critical illness insurance and the matters needing attention when you want to apply for insurance.
Before starting the text, you can read this guide, which is helpful to insure critical illness insurance: a good critical illness insurance is like this! You have been cheated for so many years. ...
Main points of this article: > >; Advantage analysis of Qingyunwei No.2 children's critical illness insurance product
& gt& gt want to buy Qingyun Wei 2, you need to know these contents.
1. Advantages Analysis of Qingyunwei No.2 Children's Critical Illness Insurance Product In order to facilitate everyone to know the product details, Senior Sister made a picture:
1. Excellent compensation for mild/moderate diseases First of all, we can see that Qingyunwei No.2 children's critical illness insurance has excellent compensation for mild/moderate diseases. Among them, the proportion of compensation for mild diseases reached 30% of the basic insured amount, and the proportion of compensation for moderate diseases reached 60% of the basic insured amount.
Now people pay more attention to regular physical examination, and many diseases can be found in mild to moderate stages. Therefore, for critical illness insurance, it is very necessary to pay for mild/moderate diseases, and the proportion of compensation is also very important.
For example, 30% and 60% of the basic protection provided by Qingyunwei No.2 children's critical illness insurance are actually the compensation for mild/moderate diseases that only high-quality critical illness insurance can provide.
2. If the disease care payment is in place, if it is a 30-year version, in the first 15 policy years, the insured is diagnosed as a light/moderate/severe disease as agreed in the contract for the first time, and the insurance company has 1 extra payment, with the proportion of 10%/20%/60% of the basic insurance amount respectively.
And if it is a version that is guaranteed to be 70 years old or lifelong, this disease care insurance premium is an optional responsibility. If this responsibility is attached, the insured can enjoy this guarantee if he suffers from mild/moderate/severe illness for the first time before the age of 60 (excluding). In addition, the proportion and frequency of payment are the same as the version guaranteed for 30 years.
3. Providing extra compensation for children's special diseases/rare diseases As a critical illness insurance for children, Qingyunwei No.2 not only provides extra compensation for 20 kinds of children's special diseases and 10 kinds of children's rare diseases, but also has an excellent proportion of extra compensation.
Once the insured is diagnosed with contracted child-specific diseases such as leukemia, severe Kawasaki disease, severe hand-foot-mouth disease and nephroblastoma for the first time, the insurance company will pay extra child-specific disease insurance premium according to the basic coverage ratio of 120%.
However, if the insured is diagnosed with 10 rare diseases of children for the first time, the insurance company will pay 200% of the basic insurance amount of the contract.
In addition to Qingyunwei No.2, senior schoolmates also collected some critical illness insurance for children with very good cost performance. Friends in need can have a look: Top Ten Children's Critical Illness Insurance with Good Quality and Cheap Price in 2023.
2. I want to buy Qingyunwei No.2, and I still know these contents 1. Buy enough insurance. Generally speaking, when we buy critical illness insurance, we'd better choose about 500 thousand. This 500,000 yuan includes 300,000 medical reserve funds and personal/family income for about 3 years, but the specific value depends on the local consumption level and its own premium budget.
If you buy critical illness insurance for your child, it is very important to include the family's economic income for about 3 years. After all, once a child is sick, parents are likely to leave work to take care of the child, and it is very likely that they need to go to a different place for treatment.
So be sure to buy enough insurance to prevent family illness from causing too much economic gap.
2. Reasonable planning of family insurance allocation We often hear a saying:? Parents' beloved son has a far-reaching influence. ? In order to give children a more stable growth environment and more adequate protection, parents are naturally willing to pay and often give priority to their children.
However, in the allocation of family insurance, it is actually best for parents to protect their children first. In other words, parents and friends who are mainly responsible for the family economy need to insure themselves with critical illness insurance, millions of medical insurance, accident insurance, term life insurance and other insurance before considering insuring their children.
After all, only when the family support is complete can we give other family members more solid protection and the family boat can go more stably.
In addition, to buy insurance for children, in addition to critical illness insurance, millions of medical insurance+small medical insurance and accident insurance are also very important.
How to equip a family with suitable insurance products? Senior sister has several plans for your reference: 3 plans, complete family insurance.
In a word, Qingyunwei No.2 is a high-quality product in the children's critical illness insurance market, with complete protection and sufficient compensation. It can be said that it is a very worthwhile child critical illness insurance. However, when parents and friends insure their children, they should also pay attention to buying enough protection to confirm whether they are equipped with enough protection.