Recently, many friends asked me privately, what about Fosun, Mommy Bao Bei (Newborn Edition) and Jingshou Bumblebee No.7 Children's Critical Illness Insurance All-around Edition? Which is more worth buying? Then the senior will come to give you a detailed answer!
Before the article begins, Senior Sister sends you a guide to avoid the serious illness insurance pit, hoping to help you:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."
1. Mommy Baby (Newborn Edition) or Bumblebee No.7 All-around Edition, which is more worth buying?
Let's take a look at Mommy Baby (New Edition):
After reading the protection map, I found that Mommy Baby (new version) is a great product. Mommy Baby (Newborn Edition) allows insurance for children born 30 days-17 years old. The insured can be insured for 20/25/30 years or 70/80 years or for life. In addition, the payment period of Mommy Bao Bei can be flexibly selected, and the insured can choose to pay in batches or pay in 5/115/20/30 years.
Compared with many children's critical illness insurance products on the market, the guarantee period and payment period set by Mommy Baby (Newborn Edition) are very user-friendly, and the insured chooses the products that suit him according to his own situation.
Mommy Bao Bei (new edition) has done a good job in the insurance rules and protection contents! In addition to receiving minor, moderate and severe insurance benefits, death/total disability/terminal illness insurance benefits, children's specific diseases and children's rare diseases insurance benefits, and the insured's minor, moderate and severe (optional) exemptions, the insured also includes additional secondary compensation for malignant tumors, secondary compensation for major diseases, children's accidental medical insurance benefits and children's accidental hospitalization allowance insurance benefits.
Compared with adults, children are still in the growth stage and are more likely to get special diseases such as leukemia. These diseases will not only bring harm to the health of the insured, but also cost a lot of money to treat. Moreover, Mommy Baby (new edition) guarantees 20 kinds of specific diseases for children and 5 kinds of rare diseases for children. If the child is diagnosed with the disease stipulated in the clause, the insurance company will make a claim!
So much for Mommy Bao Bei (Newborn Edition) critical illness insurance. If you want to know more about this product, you can read the following article.
"Mommy Bao Bei new back! Can it still be called the benchmark for children's serious illness? 》
However, the all-around version of Bumblebee 7 is not a vegetarian:
By analyzing the above picture, we can find that the all-around version of Bumblebee 7 is really good!
The insurance rules set by Bumblebee 7 Universal Edition are relatively loose, and the insured can choose the protection period and payment period that suit them according to their own needs.
Bumblebee 7' s all-around version is quite comprehensive, including mild, moderate and severe illness protection, special illness protection for children, exemption of the insured and hospitalization allowance for serious illness. At the same time, it also includes additional multi-disease protection, malignant tumor intensive care, death and high disability protection, policyholder exemption and other practical optional protection.
On the other hand, it must be noted that the number of payments for mild and moderate diseases in the all-around version of Bumblebee 7 is unique. Most products of the same type in the market, whether mild or moderate, usually set the number of claims at 2-3 times. Assuming that the insured has been diagnosed with mild and moderate diseases and has reached the number of payments, there is no way to obtain protection for mild and moderate diseases. The all-around version of Bumblebee No.7 provides protection for 6 times of mild/moderate diseases, which actually means that the insured can get protection for mild/moderate diseases as long as the total number of times of suffering from mild/moderate diseases does not exceed 6 times.
Due to space reasons, my senior sister will stop here with the basic information about the all-around version of Bumblebee 7. This product has a lot to discuss. If you are interested in it, you can click the link below.
"I was shocked after digging the all-around version of Beijing Life Bumblebee No.7 Children's Critical Illness Insurance."
Second, the senior sister suggested
After reading the above analysis, Mommy Baby (Newborn Edition) and Bumblebee No.7 All-around Edition are very good products, which are well worth our insurance!
So if you want to buy critical illness insurance for your children, then these two products may be your best choice!
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!