Knowing that Ping An Life's main children's insurance, the following school sister to the actual, direct to you to assess the company's a product, that we will be children ShengShiFu (YouYue version) critical illness insurance as an example!
Let's take a look at the coverage chart of this product: png
1, the analysis of the rules of the policy
Children's ShengShiFu (YouYue version) critical illness insurance support 0-17 years of age of minors to insure the protection of the period of life, once insured, the child will have a stable disease protection.
There are four payment terms for this product, namely 10 years, 15 years, 19 years and 20 years, with the longest payment term being 20 years. The maximum payment term for many children's critical illness insurance policies in the market can reach 30 years, which makes the payment term of this product less considerate in comparison.
Don't worry if you don't know how to choose a premium term, check out this article: How to choose a premium term so you don't lose money?
In addition, the waiting period of this product is only 90 days, which belongs to the better level in the market, compared with those products of the same type of critical illness insurance products that require a waiting period of 180 days, this product allows consumers to enjoy the full protection of the product earlier, which is a bit more friendly.
2, protection responsibility analysis
Children's ShengShiFu (YouYue version) of critical illness insurance in the protection responsibility is also make great efforts, in addition to provide minor, moderate and serious disease protection, but also provide a thoughtful death benefit, pediatric specific insurance benefit and high cost of specific disease insurance benefit.
It's worth saying that parents can also choose optional liability ones according to their children's actual needs. Optional liability A is the special protection benefit for critical illness; optional liability B is the companion benefit.
If you choose to attach the optional liability B, even if the child is unfortunately sick and hospitalized, the insurance company to pay the escort money, but also help to solve the parents to accompany the loss of income during the period of time, to reduce the worry.
If you would like to know more about the review of the children's Shengshifu (优悦版)重疾险, you can click on the link below: Ping An's "Children's Shengshifu (优悦版)" is worth buying? I urge you to read this article before deciding!
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