1. Basic guarantee: 120 kinds of serious diseases, of which 28 kinds have the highest incidence. Only pay 1 time, and pay 100% of the insured amount. After paying for serious illness, the insurance contract is terminated except for optional liability.
2. Mild/moderate illness occurred before the age of 70, and the compensation for serious illness increased.
Every time you have a mild illness before the age of 70, you will be paid an extra 10% of the insured amount if you are diagnosed with a serious illness later. You can pay up to 6 times for mild illness, so you can pay up to 60% of the insured amount (of course, this probability is extremely low).
Suffering from a moderate illness before the age of 70, and being diagnosed with a serious illness later, an additional 20% of the insured amount will be paid.
2. How about Children's Safe Happiness 202 1?
1. From the guarantee content: 120 kinds of serious diseases, 20 kinds of moderate diseases and 40 kinds of mild diseases. In addition, children with special diseases can get double the insurance coverage. For children under 15 years old, the incidence of leukemia is the highest, and 200% of the insured amount can be paid after diagnosis, and the protection of childhood is relatively complete.
2. From the point of view of payment price: the value of children's Ping An Fu 202 1 is not worth buying, and many people directly look at the price. Compared with the old edition, Children's Ping An Fu 202 1 has more protection for China's diseases, more comprehensive protection, lower price and higher overall cost performance, but for wage earners, such price is not particularly cost-effective.
3. From the threshold of minor illness claims, it covers three statutory categories: minor illness claims increase the insured amount, minor illness claims 20%, death and serious illness claims increase by 10%, and actually give 30%. At present, the CBRC stipulates that cancer in situ is not a minor illness and can be eliminated, but children's Ping An Fu 202 1 can be insured, which is very humanized.
4. Excellent insurance portfolio: This product has a strong medical insurance portfolio. Enjoying life is the best non-deductible medical insurance in the market, which can effectively deal with minor illnesses, minor accidents and chronic diseases (often taking medicine in outpatient clinics), while solving the serious illness of Ping An E life insurance, guaranteeing the five-year renewal or applying for long-term medical treatment of Ping An E life insurance alone can guarantee stability, solve self-funded drugs and deal with major diseases.
5. From the product highlights: Children's Ping An Fu 202 1 is essentially a relatively common serious illness insurance for children, including comprehensive minor illness protection and extra compensation for children's special diseases. In fact, its biggest highlight is the combination of purchase, medical insurance and critical illness insurance.
Third, we should remind everyone that the critical illness insurance of Children's Ping An Fu 2 1 has a fatal disadvantage: the critical illness insurance of Children's Ping An Fu 202 1 has the disadvantage of low proportion of minor illness compensation.
Although the number of minor illness insurance claims of Children Ping An Fu 2 1 increased to 6 times, the proportion of claims remained unchanged at 20%. What many people don't know is that most of the minor illness insurance in the market is 30% or above, and the proportion of minor illness insurance is still lower than the average level of the critical illness insurance circle. Compared with other similar critical illness insurance products, Children Ping An Fu 2 1 still has a lot of room for improvement. Although the premium to be paid is not as much as before, compared with other critical illness insurance products on the market, the premium of children's Ping An Fu 2 1 critical illness insurance is still a bit expensive, which can not meet the needs of families pursuing high cost performance.