To buy critical illness insurance for children, I recommend consumer critical illness insurance, including the products I bought for my children. Let's take a look at the four core advantages of this kind of products:
Advantages: 1: Adequate guarantee.
Consumer critical illness insurance has a flexible term, which can cover 30 years and 70 years. From the perspective of critical illness protection, it is no different from other types of products. In addition to the legal 25 serious diseases, it will be extended to 50- 100 serious diseases.
Advantage 2: the price is cheap.
If you choose to cover for 30 years, the annual premium will be between 200-500 yuan. Even if you choose to guarantee for 70 years, the annual premium of many products will not exceed 1 1,000 yuan. Compared with savings-based critical illness insurance, the price is very low.
Advantage 3: Clear purpose
This kind of products only pay attention to the protection of critical illness, and do not involve savings, return at maturity, financial management and other factors. It belongs to pure protective products, and its use is very clear. Buy insurance before children. If you don't buy adult insurance, it is strongly recommended to buy consumer critical illness insurance for your child.
Advantage 4: Flexible and changeable
The warranty period of such products is flexible, and it is not too late to buy other products when children grow up. And after twenty or thirty years, the products of China insurance industry have been updated n times, and there must be many good products.
If you know more, you can call me.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.