First, what is the key to buying insurance for your baby?
1, medical expenses can be reimbursed. The baby's immunity is poor, and the temperature of the simple air conditioner is low in summer, which is easy to cause a cold. However, in provincial hospitals, the hospitalization expenses of a child with a simple cold and pneumonia are tens of thousands, so it is necessary to have reliable medical insurance to buy insurance, and the expenses can be reimbursed for hospitalization due to illness on a daily basis.
2, serious illness can be paid. Children with leukemia and other serious diseases can advance medical expenses or take money to a better place for treatment.
3, there is value protection after adulthood. Children's insurance generally/kloc-people who died before the age of 0/8 pay insurance premiums,/kloc-people who died after the age of 0/8 pay insurance premiums. It takes decades and countless efforts to train children. When children grow up, they may get married. If they leave, they will pay insurance premiums and give their families some compensation.
Second, the comparative analysis of children's national life blessing extreme edition and how many children are cared for by sunshine edition.
These two products can be attached with medical insurance, which is guaranteed for serious illness, and the amount of compensation for death after 18 years old is guaranteed. Generally speaking, the guarantee is comprehensive, but the details are obviously different. Specifically:
As can be seen from the table, the prices of these two products are similar, while the price of children's national life insurance is relatively cheaper, which is very similar in the protection of minor illness, serious illness and children's specific serious illness. The core differences between the two products are as follows:
Difference 1: The products are different in additional medical treatment.
For the medical insurance that has no claim threshold, the two companies are very different.
How many children can you attach to the Sunshine Care Edition? You can guarantee to renew your warranty for 6 years, and you can also report several self-funded drugs. Although Sunshine Company is small, its medical insurance is not bad. The renewal terms are as follows:
Children's National Life Insurance Extreme Edition adds long-term medical care and does not guarantee renewal. It faces an update review every year. In the first year, claims have been made many times, or there are chronic diseases, but in the second year, insurance may be directly refused or done. Its terms are as follows:
In the reimbursement of daily ailments or chronic diseases, Sunshine Medical Insurance is far more reliable than China Life Insurance.
Difference 2: The protection of children with specific serious diseases is different.
Sunshine children's specific serious diseases do not cover Kawasaki disease, severe hand, foot and mouth disease and other common serious diseases of children, but they include severe leukemia, which is the highest incidence and the threshold for claims is low. Its definition of leukemia is:
The coverage of children's national life insurance Extreme Edition includes Kawasaki disease, hand, foot and mouth disease and so on. However, leukemia can only be paid by autologous hematopoietic stem cell transplantation, and the threshold for claims is high. Its terms are as follows:
Difference 3: The core selling points of products are different.
How many editions of sunshine care, although minor illnesses and serious illnesses are paid by groups, at least you can pay multiple times, which is better than paying once. Coupled with the good medical terminology, the daily practicality is still relatively strong. However, the renewal of Sunshine Integrated Medical C Million Medical Care is reviewed every year, which is not as good as China Life Million Medical Care.
Children's National Life Extreme Edition can only pay for minor illness and serious illness once, and the amount of compensation for minor illness does not exceed 65,438+10,000. The medical terms are average, but the renewal terms of China Life E Kangyue Million Medical Insurance are better, and the reimbursement for serious illness is more favorable. In addition, if there is an accident for a long time, until the age of 75, you can drive to double indemnity, and you can get three times the compensation by public transportation, which is more beneficial to your child's growth in the long run.
Summary: In the insurance market, it is difficult to have a product that is perfect in all terms, but some details are helpful for screening products.
Children's National Life Extreme Edition can pay according to the proportion of disability in the high long-term accident protection, with good terms of million medical insurance and good reimbursement for serious illness, which is beneficial in the long run.
How many children does the sunshine care for? double indemnity, a child with leukemia, continues to receive additional medical insurance, which is beneficial to the children's frequent hospitalization and phased protection.
If the child is already a teenager and has strong immunity, he will soon enter adulthood. At this time, it is more beneficial to buy the extreme edition of children's national life insurance in the long run. If the child is very young and has poor immunity, it will be better to buy sunshine insurance for medical reimbursement.