It is mainly reflected in the fact that Guolian Life Insurance Huixin 'an 2022 children's critical illness insurance can choose regular/lifelong protection, while Kunlun Health Insurance children's version A critical illness insurance only supports lifelong protection.
Let's take a concrete look at what Kunlun Health Insurance Children's Edition A guarantees. What are the highlights?
Kunlun Health Insurance Children's Edition A is a rare high-quality critical illness insurance for children launched some time ago.
This product supports the group of minors born over 28 days-17 to insure for life, which can provide stable disease protection.
The maximum guarantee is 600,000, which is enough to pay for the treatment and follow-up rehabilitation of most major diseases.
In addition, its compensation for serious illness is also quite distinctive.
If it is a serious illness before the payment expires, the insurance company will pay 150% of the basic insurance amount;
If it is a serious illness after the payment period expires, the insurance company will pay 100% of the basic insurance amount.
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Dad will take you to know more about the other guarantee details of this product.
In terms of insurance conditions, Kunlun Health Insurance Children's Edition A is open to minors.
Provide lifelong and stable disease protection,
The payment method can be wholesale or installment, and the longest period can be 30 years.
The maximum insured amount is 600,000, which can provide strong enough protection.
In terms of security, Kunlun Health Insurance Children's Edition A guarantees 100 kinds of serious diseases +25 kinds of moderate diseases +50 kinds of mild diseases.
In addition, it also provides a wealth of optional responsibilities and special protection, enriching the content of policy protection.
Critical illness insurance has its own characteristics. It is agreed that the insured suffers from the serious illness agreed in the contract before the payment expires, and the insurance company will pay150% of the basic insurance amount;
In case of serious illness agreed in the contract after the payment expires, the insurance company will pay 100% of the basic insurance amount.
25 kinds of moderate diseases and 50 kinds of mild diseases are guaranteed. For moderate diseases, no group payment is made twice, and 60% of the basic insurance amount is paid each time;
If it is mild, it will not be paid in three groups, and 30% of the basic insurance amount will be paid each time.
In addition to these basic guarantees, Kunlun Health Insurance Children's Edition A also provides specific sickness insurance benefits.
According to the guarantee agreement, the insured suffers from the major diseases agreed in the contract before the first policy year when he reaches the age of 30.
The insurance company will pay 150% of the basic insurance premium on the basis of the basic critical illness insurance premium.
The combination of this special protection and the basic protection of critical illness has raised the critical illness protection of the policy to a higher level.
Rich optional responsibilities include multiple payments for major diseases, intensive care for malignant tumors, and specific diseases for young adults and the elderly.
These optional responsibilities can further enhance the strength and scope of policy protection on the basis of basic protection.
Knowing the product information of Kunlun Health Insurance Children's Edition A is only a superficial understanding.
As consumers, we also need to know its highlights in detail.
In this way, when you are insured, you can accurately locate and ensure that the products are suitable for you.
Without saying anything, combined with the previous product information, dad directly gave the highlight conclusion of Kunlun Health Insurance Children's Edition A.
Highlight 1: Strong critical illness protection and high compensation amount.
Kunlun Health Insurance Children's Edition A basically guarantees the basic insurance for critical illness with the highest compensation 150%.
Secondly, the specific disease insurance liability guaranteed by characteristics meets the conditions and is aimed at serious diseases.
The insured can also get an extra payment of 150% of the basic insurance amount.
Just talk about the strength of critical illness protection. In children's critical illness insurance, Kunlun Health Insurance Children's Edition A has reached the first echelon, with strong guarantee.
Highlight 2: Provide specific disease protection
In addition to basic disease protection, Kunlun Health Insurance Children's Edition A also provides protection for specific diseases of young adults and the elderly.
After attaching relevant optional responsibilities,
If the insured suffers from specific diseases of young adults agreed in the contract during the period of 30-70 years old, the insurance company will pay an extra100% of the basic insured amount;
If the insured suffers from some senile diseases agreed in the contract after the age of 70, the insurance company will pay an extra 100% of the basic insurance amount.
Of course, this product also has some shortcomings. Due to space reasons, dad won't go into details here.
The advantages of version A of children's critical illness insurance for health insurance are reasonable payment period, intimate protection for special diseases and strong practicability of optional protection.
From all aspects, version A of children's critical illness insurance is an excellent product of children's critical illness insurance.
Parents who want to configure critical illness insurance for their children can consider this product.