Advantages:
High Accidental Medical Coverage
Children are more active, so if they have an accident, they will spend a lot of money on medical treatment, so the higher the Accidental Medical Coverage is, the better it will be.
The accidental medical coverage of Mengbao Insurance is 30,000 yuan, while other products in the table are only 10,000 yuan, so Mengbao Insurance has a greater advantage in this regard.
Hospitalization allowance
If you need to be hospitalized in a serious situation, it will cost you a lot of money, and the hospitalization allowance will compensate you for that.
There is a vaccination accident cover
Babies need to be vaccinated, and this product is a very thoughtful introduction of vaccination accident cover, which can give the child a more comprehensive accident care.
Guardian liability coverage
Guardian liability shows its value when a bear child causes damage to others, and this coverage is very good.
Drawbacks:
Premiums are expensive
Mengbao Insurance is quite a bit more expensive than a few other products in the table.
Lack of medical coverage for burns
Children are naturally curious and can't help but touch new things, and there are dangerous items such as hot water kettles, electric stoves, and electric heaters in every home, but they are often placed out of reach of babies. Medical treatment for burns is a corresponding coverage, and Asia Pacific Little Super Junior is optional for medical treatment for burns, while Mengbao Insurance is not.
Third liability exclusion clauses
Mengbao insurance has a third liability, but in the exclusion clauses stipulate a lot of non-claims, and some of these situations are more common, such as scratching someone's car, breaking electronic equipment, gold and silver jewelry, etc. are not insured.
In order to protect the legitimate rights and interests of minors, according to the "People's Republic of China *** and the State Insurance Law" Article 33, now on the standardization of parents as the policyholder for their minor children to insure their children to the death of the conditions of the insurance premiums for life insurance issues are notified as follows:
For the parents of the minor children of the life insurance, the insured before the age of majority, the insurance contract The sum of the insurance amount agreed to be paid for the death of the insured person and the sum of the insurance benefits actually paid by each insurance company at the time of the insured person's death shall be subject to the following limits:
(a) For the insured person who is less than 10 years old, the amount shall not be more than 200,000 RMB.
(ii) For the insured person who has reached the age of 10 but has not yet reached the age of 18, the amount shall not exceed RMB 500,000 yuan.