First, the product guarantee content: death/high disability compensation: 18 years old, return the premium paid; If you are over 18 years old, pay the insured amount and terminate the contract.
Ordinary accidental death/high disability:/kloc-under 0/8 years old, the premium paid will be refunded; /kloc-If you are over 0/8 years old, pay 2 times the insured amount. The contract is terminated.
Accidental death/high disability of vehicle:/kloc-under 0/8 years old, the premium paid will be refunded; 18 years old and 75 years old, the compensation amount is 10 times. If you are over 75 years old, the compensation amount is 5 times. The contract is terminated.
Accidental death by driving/high disability:/kloc-under 0/8 years old, the premium paid will be refunded; Within 180 days, 18 years old or older, pay twice the insured amount. 180 days later, 18 years old, 75 years old, the insured amount is 10 times; If you are over 75 years old, the compensation amount is 5 times. The contract is terminated.
Survival money: when the contract expires, the insurance premium will be returned. The contract is terminated.
Second, Xueba said that the coverage of critical illness insurance is too low. If a two-year-old child buys it, the basic insurance amount is 654.38+10,000 yuan and the premium is more than 3,000 yuan. If the insurance coverage is doubled, the premium will be much more expensive. And one more thing to pay attention to, just take care of your own illness, don't take care of your own ailments! For the 2-year-old male treasure, there will be many uncertain risks in the future. If it is purchased as critical illness insurance, the protection is insufficient and the responsibility is incomplete.
If it is purchased as a long-term accident insurance, the CIRC stipulates that there is a maximum limit for the death of minors, with a maximum of 200,000 below 10 and a maximum of 500,000 below18. Then no matter how high you buy, you can't have it before 18 years old. For the protection of 18 years old, there are some chicken ribs.
But the premium is not low, and it has been paid for 20 years. It will seriously occupy the family premium budget. Accident insurance is only related to occupation, and the health instructions are very loose. Don't worry about not buying it in the future. 100-200 yuan can buy short-term ones.
Accident insurance covers three aspects: accidental medical treatment, accidental disability and accidental death. Wholehearted accidental disability only covers the first level of disability, that is, the highest level of disability, and other levels of disability are not compensated. At present, the one-year accident insurance on the market guarantees disability and pays in proportion according to the level of disability. In addition, accidental medical treatment is not guaranteed, that is to say, the hospitalization caused by accidents is not reimbursed, and the hospitalization allowance is only one day in 200 yuan. I think this allowance of 200 yuan is a drop in the bucket for the medical expenses of a day in hospital.
Senior sister thinks it is unnecessary for children to buy this long-term accident insurance product that aggravates the disease. It is not enough to single out any protection, and the annual premium is not low.