Today, senior schoolmates found the critical illness insurance for children of China Merchants Renhe Qingyunwei 1 and the critical illness insurance for children of Fosun and Mommy Bao Bei (Newborn Edition) for everyone. These two kinds of children's critical illness insurance are the best-selling products now. Take them as an example and make a comparative analysis to see which one is better.
There are many children's critical illness insurance products on the market. In order to prevent everyone from stepping on the pit, the senior sister compiled a "pit-proof cheats". If you are interested, you can click on the following link:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."
1. How about the children's critical illness insurance of China Merchants Renhe Qingyunwei 1?
Straight to the point! Let's take a look at the protection map of China Merchants Renhe Qingyunwei 1 children's critical illness insurance:
As soon as we are familiar with the safeguard map, we will formally evaluate it:
With regard to the content of protection, Qingyunwei 1 Children's Critical Illness Insurance (Internet) not only provides comprehensive light, medium and heavy basic protection, but also other protection is sufficient!
1. Major innovation in the protection of mild and moderate diseases
At present, many children's critical illness insurance in the market, after paying for the first serious illness, will no longer bear the responsibility of claims even if it reaches the threshold of claims. But Qingyunwei 1 Children's Critical Illness Insurance (Internet) has innovated a lot!
As can be seen from the clauses, after paying for the first serious illness, Qingyunwei 1 Children's Critical Illness Insurance (Internet) will not have any influence on the insurance liability of mild and moderate diseases in the contract, as long as the insured reaches the threshold of claim settlement.
2. The specific protection of children is comprehensive and sufficient.
As can be seen from the above protection map, Qingyunwei 1 Children's Critical Illness Insurance (Internet) provides protection for children's specific diseases, not only for 20 children's specific diseases and 10 rare diseases, but also for a high proportion of claims. One is to compensate with 100% of the insured amount of the main insurance, and the other is to compensate with 200% of the insured amount of the main insurance.
If a small partner wants to know more about Qingyunwei 1 Children's Critical Illness Insurance (Internet), this article must not be missed:
"Qingyunwei 1 Children's critical illness insurance is worth buying for children? It's finished! 》
Second, Fosun and Mommy Bao Bei (Newborn Edition) What is critical illness insurance for children?
Same as before! Let's take a look at the protection map of Fosun and Mommy Bao Bei (Newborn Edition) children's critical illness insurance:
After reading the protection map, let's take a look at Mommy Bao Bei Newborn Children's Critical Illness Insurance!
As the three cornerstones of critical illness insurance, Mommy Bao Bei Newborn Children's Critical Illness Insurance has also been established; Furthermore, the guarantee content of this product is also very diverse.
Among them, the optional protection of Mommy Bao Bei's newborn version of children's critical illness insurance includes secondary compensation for malignant tumor, secondary compensation for serious illness, accidental medical insurance for children and accidental hospitalization allowance for children vaccinated.
As for other protection, including death/total disability/terminal illness insurance, special disease insurance for children and rare disease insurance for children.
As far as the content of protection is concerned, compared with Qingyunwei 1 children's critical illness insurance, the two can be said to be equally divided.
Seeing this, if the small partner is interested in Mommy Bao Bei's newborn version of children's critical illness insurance, then the following can be coded slowly:
What are the competitive advantages of Mommy Baby Newborn Edition? Look before you buy it! 》
Third, senior sister suggested.
On the whole, Qingyunwei 1 Children's Critical Illness Insurance (Internet) and Mommy Bao Bei's new version of Critical Illness Insurance performed very well, but the suitable insured groups were different.
If the basic security is sufficient, then the senior schoolmate suggests to insure Qingyunwei 1 Children's Critical Illness Insurance (Internet); Because the basic guarantee payment ratio provided by this product is very good, the number of payments for mild and moderate diseases is also satisfactory.
If it is to pursue more adequate protection for children's special diseases, then the senior sister suggested that Mommy Bao Bei's new version of critical illness insurance can be considered; The main reason is that this insurance product is equipped with two optional protections for children in addition to the protection for children's special diseases. Compared with Qingyun Micro 1 children's critical illness insurance, Mommy Bao Bei's new critical illness insurance performed better.
Write it at the end
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