For example, children are in good health and seriously ill.
This product can be guaranteed for 30 years, with the maximum age of 70, and the lifetime version number, in which both 30 and 70 years old are consumer-type serious illness insurance, including serious illness, moderate illness, minor illness, death protection, cancer and other special serious diseases, and can get a one-time payment of 1.6 million; For 20 kinds of children's specific diseases, you can get an extra compensation of 100% of the basic insurance amount, which is very sufficient.
When it comes to children's critical illness insurance, which one is better if it relieves the pressure of the insured's payment work to some extent? Being able to choose health benefits also provides a monthly payment, and the monthly work pressure is still small.
2. Ensure the comprehensive and cost-effective products:
For example, Beijing Life Bumblebee No.7 Universal Edition
In addition to the common serious diseases, moderate diseases and mild diseases, Bumblebee No.7 All-around Edition also has 15 kinds of special diseases for teenagers, and special diseases for children regardless of age. If you choose to insure for 30 years, you will pay more than 60% of the insured amount in 10 before underwriting, which is equivalent to buying 500,000 yuan, and the maximum compensation is 800,000 yuan. In addition, you can also choose additional compensation for serious illness, secondary compensation for tumor, hospitalization allowance for serious illness, etc. And the guarantee is very comprehensive. 500 thousand is guaranteed for 30 years, paid in 20 years, and there is no death. 0-year-old boy 6 18 yuan, 0-year-old girl 678 yuan.
It is more appropriate to pay the premium annually.
Although there will be some price concessions for full payment, it is more appropriate to pay the premium of critical illness insurance on an annual basis. Although the total amount paid is likely to be a little more and the amount paid each time will be a little less, it is not easy to cause particularly great pressure on parents. Coupled with factors such as loan interest, the planned cost is not necessarily higher than the one-time payment method. Annual payment also helps to estimate the annual expenditure of families and is conducive to family financial planning.
In addition, many auto insurance companies have relevant regulations on "premium exemption". If the payment of critical illness insurance premium occurs within the payment period, the insurance premium for the subsequent period shall be exempted from payment from the date of payment, and the policy shall remain valid. That is to say, if the beneficiary suffers from a serious illness in the second year of payment, if the payment should have been made at 10, only one-fifth of the premium was paid; If it is paid in 20 years, only one tenth of the premium will be paid.