However, whether these products are suitable for children depends on the specific analysis of the terms. Let's take a look at the more popular critical illness insurance, which allows children from 0 to 17 to take out insurance. Let's look at the protection map first:
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As can be seen from the above table, the critical illness insurance with love score of 202 1 includes the protection of the most serious and minor diseases, and it is still relatively comprehensive. In addition, the product has the following features:
1. Provide protection for children with special diseases.
To buy critical illness insurance for children, in addition to comprehensive basic protection, children's special disease protection also needs to be focused on. We should know that although the incidence of children's special diseases is low, once diagnosed, the cost of follow-up treatment is sky-high. For example, the common leukemia in children costs as much as 300- 1 10,000.
202 1 the love score of critical illness insurance is very caring for 15 kinds of special diseases of children.
2. The longest payment period is only 15 years.
The longest payment period of critical illness insurance with love score of 202 1 is only 15 years, while the longest payment period of many critical illness insurance products on the market is 20 years or 30 years. After all, other things being equal, the longer the payment period, the smaller the annual payment pressure, so everyone needs to pay attention to this when taking out insurance. Regarding the choice of payment period, unclear friends can look here: How to choose the payment period without losing money?
3. The proportion of compensation for minors is low.
Love full score 202 1 critical illness insurance provides protection for 40 kinds of mild diseases, and the maximum compensation can be 6 times, but the proportion of compensation is only 20% of the basic protection.
At present, the proportion of minor illness insurance compensation for many products is set at 30% of the basic insurance amount, and even some products will set additional compensation in order to improve their competitiveness. In contrast, the performance of critical illness insurance with love score of 202 1 is really average.
The above is a simple evaluation of critical illness insurance with the score of 202 1. The overall performance is average. Senior sister suggests that you compare other products before making a decision. You don't have to buy Ping An insurance products. What's right is the most important thing. Finally, I will send you a list. Interested friends may wish to take a look at: the top ten critical illness insurance for children with high cost performance. Don't miss this treasure raiders!
Hope to adopt!
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