Health-welfare children's critical illness insurance not only protects serious/moderate/light diseases, but also increases the protection of children's special diseases, rare diseases of children, death protection, critical illness allowance, exemption of the insured and exemption of the insured (optional).
In order to facilitate everyone's understanding, the following senior sister will introduce this product.
Let's take a look at its safety map first:
1, the payment period is not flexible enough.
As can be seen from the above figure, the critical illness insurance for healthy children only provides two payment cycles: 20-year payment and 30-year payment. It does not support wholesale payment and is not very friendly to friends with unstable income.
In the case of supporting wholesale payment, after choosing wholesale payment to pay the premium in one lump sum, it can avoid the failure of payment due to lack of money to continue paying the premium in the later period.
If you don't know much about wholesale, you can read this article again: What does wholesale mean? What are the benefits?
2. Security content analysis
The proportion of compensation for children's critical illness insurance is relatively high, which is 60% of the basic insurance amount.
At present, the proportion of critical illness insurance in the mainstream market is 50% of the basic guarantee, while the proportion of critical illness insurance for healthy children is even higher than the mainstream level.
In this way, the insured can get more insurance money as the cost of treatment.
However, it should be noted that the health and welfare children's critical illness insurance does not provide secondary compensation protection for high incidence and serious diseases, such as cancer secondary compensation protection.
You know, even if a disease like cancer is cured after treatment, there is still a 90% chance of recurrence or metastasis in the next 3-5 years. If there is a second compensation guarantee for cancer, it can provide corresponding protection when the insured has recurrence and metastasis in the future.
If you want to know more about the second compensation for cancer, you can look at this information again: Is it necessary to attach the second compensation for cancer? If you don't understand these points, be careful to spend money for nothing!
These are some answers to the questions. Generally speaking, the performance of health and welfare children's critical illness insurance is relatively general. I suggest you look at other products.
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