What is the role of China Merchants Cigna Baby Sailing Children's Insurance for children?
China Merchants Cigna Baby Sailing Children's Insurance is an education annuity insurance product, so it has the function of establishing education funds and venture funds for children from the beginning. In China, which pays attention to education, in order to prevent children from losing at the starting line, parents spend an average of 20,000 to 30,000 yuan on their children's education every year from the time they start school. Such a huge expenditure is a great pressure on many families, and the establishment of education fund will effectively reduce the burden on parents. As long as the payment is over 5 years or 10 years, his daughter will receive an education grant from 17 to 25 years old 1 1 year, and the accumulated insurance coverage will reach 500%.
Secondly, it can pass on the child's disease risk. It is understood that major diseases are the second largest factor of child death. Moreover, I believe many friends know that the medical expenses for treating major diseases are very expensive. This product can well avoid the risk of disease. Have 30 kinds of critical illness insurance, and pay immediately after diagnosis. If the insured is hospitalized due to an accident or illness, he/she shall enjoy hospitalization allowance of RMB 100 per day for up to 600 days. If the insured dies unfortunately, he will also enjoy the death security fund.
Third, free of premium to solve worries. This clause is to protect parents. If the parents are dead or totally disabled and can't continue to pay the premium, the insurance company will waive the remaining premium, and the education fund protection plan will still be effective, so that the children can continue to enjoy the protection. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
Fourth, China Merchants CIGNA Baby Sailing Plan also launched a serious illness housekeeper service to provide health and medical advice for children and families. At the same time, the misdiagnosis rate of major diseases is very high. This kind of consultation service can effectively reduce the misdiagnosis rate and make parents feel more at ease.
Therefore, from the above, we can know that the function of this baby education insurance launched by China Merchants Cigna is mainly to provide education funds and health protection for children and comprehensively care for their healthy growth.