No, a product of Taiping Life Insurance, Taiping Fuluwa, is seriously ill for life. It is said that it contains 170 major diseases. Recently, many parents have asked whether this product is suitable for children.
Parents who are not clear enough about insurance have to read this article carefully when choosing insurance for their children in order to buy insurance correctly: "Parents must watch: a comprehensive strategy for buying insurance for their children ~"
1. What does Taiping Life Fuluwa's lifelong critical illness insurance protect?
Before helping you learn more about this product, let's study this product together to see what it is:
Throughout the past, the advantages of Fuluwa children's critical illness insurance of Taiping Life Insurance were still outstanding, but the shortcomings of this product were immediately exposed on the surface.
First of all, senior, let's comprehensively analyze the advantages of children's critical illness insurance of Fu Luwa of Taiping Life Insurance:
& gt& gt Children's special diseases are guaranteed.
The critical illness insurance for children of Taiping Life Insurance can provide protection for 15 kinds of special diseases for children, including severe leukemia, severe hand-foot-mouth disease and severe Kawasaki disease.
For example, if the insured is found to have special diseases of children under the age of 25, the insurance company will double the insured amount and increase the protection of children's critical illness insurance.
Suppose the parents insured their children with the critical illness insurance of Fulova children, with the insurance amount of 500,000 yuan. In case of unfortunate illness, you can get a maximum compensation of 6.5438+0 million yuan, which is quite satisfactory.
But then I want to talk about the defects of Taiping Life's children's critical illness insurance. Parents must take a good look:
1, with a high incidence of mild symptoms.
Although Taiping Life's children's critical illness insurance covers 28 major diseases that must be insured in the new regulations, there are still many deficiencies in the corresponding mild diseases for these 28 diseases.
Such as chronic liver failure corresponding to acute severe hepatitis, unilateral deafness corresponding to binaural deafness, severe hearing impairment, cochlear implantation, moderate paralysis, etc., can not reliably guarantee mild diseases corresponding to severe motor neuron diseases such as mild primary pulmonary hypertension.
The protection of mild illness is an essential part of critical illness insurance, and the lack of high incidence and mild illness makes the overall protection not high.
Senior sister has sorted out 28 kinds of serious diseases that must be insured, all of which are below. You can compare whether there is a lack of disease protection in Fu Luwa's critical illness insurance for children: "If you don't know which diseases are protected by critical illness insurance, don't buy them indiscriminately! 》
2. Minor illness protection has invisible grouping.
Implicit grouping is actually like no grouping on the surface, but the real situation is that the same disease will only choose one of them to pay.
Fu Luwa's critical illness insurance for children not only does not protect minor illnesses, but it is conceivable that among the 50 minor illnesses insured, the hidden group involves 13 diseases.
For example, there are mild acute myocardial infarction, coronary intervention (non-thoracotomy), laser myocardial revascularization and so on. One disease will pay, the other two are ineffective, and the probability of multiple payments for mild diseases will be affected.
Therefore, don't be heartbroken because Taiping Life has provided so many small guarantees for children's critical illness insurance. In fact, it is easier to be buried by so many diseases.
From then on, when encountering such critical illness insurance products, we should also pay attention to the pit in minor illness protection: "Is the number of minor illnesses in critical illness insurance as large as possible? 》
Second, is the value of life-long critical illness insurance for children of Taiping Life Insurance not worth starting with?
The above two points of children's critical illness insurance of Taiping Life Fuluwa exist, which has been disappointing. I never imagined that Taiping Fuluwa's lifelong critical illness insurance would have such a more unacceptable weakness. Do you still think this product is worth buying after reading it?
& gt& gt lacks protection of traditional Chinese medicine.
In short, China's disease can be understood as a disease with moderate severity.
If the critical illness insurance product contains the protection of middle illness, if the insured suffers from middle illness, the probability of the insured getting compensation can be improved to some extent.
Now, if a critical illness insurance product cannot provide the insured with the protection of "serious illness+moderate illness+minor illness", many consumers will feel that this product is very bad.
However, as a child's critical illness insurance, Taiping Fuluwa's lifelong critical illness insurance lacks China's disease protection, which makes the senior feel a little surprised!
In short, the Fuluwa Children's Critical Illness Insurance of Taiping Life Insurance is not widely covered, and even has many shortcomings, which is really not suitable for children to buy.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!