First, Taikang Universal Baby Insurance Let's take a look at the protection of this product:
Critical illness insurance: 70 kinds of critical illness, with the basic coverage of 100%.
Specific disease protection: 65,438+00 kinds of children-specific diseases, with an additional payment of 65,438+000% of the basic protection.
Return at maturity: If the serious illness has not been settled, it will survive at maturity and return 120% of the paid premium.
Death/high disability: pay 100% of the basic insurance amount.
Exemption of the insured (optional): minor illness, serious illness, death and total disability are exempted from late payment fees, and the contract continues to be valid.
We can see that this product not only covers serious diseases and 10 specific diseases, but also lacks protection for minor diseases. Many children's serious illness insurance and minor diseases are standard in the market, even for China's disease. Therefore, in terms of protection content, the protection of this product is not comprehensive enough.
Then let's look at the premium again. Is it cheap?
If you are 0 years old, you need to insure 500 thousand for 30 years and pay 15 years. How much do you have to pay every year?
Boy: 3550
Girl: 3250
This price is very high compared with similar regular and comprehensive critical illness insurance for children on the market.
Second, similar regular children's critical illness insurance will not hurt without comparison. Let's take a look at the situation of guaranteeing the comprehensive regular children's critical illness insurance premium:
Draw a direct conclusion:
If the pursuit of cost-effectiveness: Guohua adults and children are seriously ill for a long time, not only the protection is sufficient, but also the premium is more advantageous and cost-effective.
If we pursue comprehensive protection: mommy protection, sunshine protection and health care for seriously ill children? Both can be selected, which increases the number of diseases and children-specific diseases in China. The guarantee is comprehensive and the price is not expensive.
If the baby's body is abnormal: Mommy Baby Care, Sunshine Baby Care and other products have intelligent underwriting, which does not meet the health notification, and the underwriting conclusion can be obtained immediately. If you want to know more about how to insure children against perennial diseases, please visit official website Deep Blue Baby Care. I also wrote In-depth Evaluation: How to Buy Insurance for Children's Common Diseases? "Original article.
If you want higher coverage: the coverage will increase in sunny days, and the highest growth of 1 1 year is 1.75 times of the coverage. Naughty bag lost 50% in the first ten years of serious illness, which can also be considered.
Careful friends may find that these products have no return function and are absolutely cheap!
If the insurance coverage is the same, I'll give you two product choices:
1, lack of protection, the annual premium is more than 3000.
or
2. The guarantee is comprehensive, and the annual premium is 500~600 yuan.
Facing the gap of 5-6 times premium, what is your choice?
If it were me, I would choose the latter.
Buying insurance means buying insurance, and buying insurance means buying leverage. I can buy 500,000 insurance coverage, and the annual premium is 500 to 600 yuan. Why spend more than 2000 yuan?
A friend said that in order to return! But Shen Lanjun wants to ask, are you sure the return function is really useful?
The essence of returning critical illness insurance is that we pay a lot more money, the insurance company takes it to manage money, and then returns the depreciated principal to us decades later.
Insurance companies are not charities, and free protection will only happen in fairy tales. I suggest you treat it rationally.
At the same time, Shen Lanjun also wants to remind everyone:
Family insurance planning must be "adults first, then children", because the safety of adults is the only prerequisite for the healthy growth of children, so we must carefully buy insurance for children before the allocation of adult insurance is insufficient. If children take up too much of the family insurance budget, adults can't make better arrangements, and the loss outweighs the gain. I hope my answer can help you.