0 1 health benefits How about children's critical illness insurance?
The form is the content of Alipay health welfare children's critical illness insurance. Next, I will give you a detailed analysis:
1.？ Insurance principle
1) Insurance age:
0- 17 years old, including the whole childhood, conforms to the general pattern of children's critical illness insurance.
2) Warranty period:
30-year-old /70-year-old/life-long, the choice of guarantee period is flexible to meet the needs of different groups of people, and the insured can choose the appropriate guarantee period for the child according to the actual situation.
3) Maximum payment term:
In 30 years, the payment period of products is relatively long, which can give full play to the leverage of insurance and is beneficial to policyholders.
4) Waiting period: 90 days.
2.？ Basic guarantee
The critical illness insurance for healthy children includes the protection of critical illness, moderate illness and mild illness, among which 100 kinds of critical illness insurance. Once diagnosed, eligible people can get 1 basic insurance compensation;
Moderate and mild diseases are not paid by groups for many times, and the proportion of compensation is still relatively high.
China's disease can get 50% of the basic insurance compensation every time; The proportion of each payment for mild illness is 30%, and there is no interval for moderate and mild illness.
At the same time, there are 20 kinds of special disease protection for children, which can get 100% extra compensation.
3.？ Other responsibilities
You can add overdue refund premium and 1-3 disability compensation insurance amount.
From the content, the protection of critical illness insurance for healthy children is relatively comprehensive, with basic protection and special protection.
However, this product is a one-time payment. If you want more comprehensive protection, you can consider paying more critical illness insurance: the top ten insurance companies are worth buying!
What are the advantages and disadvantages of children's critical illness insurance?
1.？ Advantages of health and welfare children's critical illness insurance
1) Flexible guarantee period
The protection period of health insurance for children with critical illness can be 30 years, 70 years or life, and parents can choose the appropriate protection period for their children according to the budget.
2) Comprehensive protection for special diseases of children with high insurance coverage.
Mild, moderate and severe diseases are guaranteed, and children with specific serious diseases can pay double compensation.
Online insurance can be directly insured up to 800,000 yuan, and the highest child-specific serious illness protection 1.6 million.
2. Disadvantages of health and welfare children's critical illness insurance
1) Strict health notification:
Premature and low birth weight infants must be at least 3 years old to be eligible for insurance.
2) The compensation conditions for children's special diseases are strict:
Double compensation limit for 20 kinds of children's specific serious diseases 18 years old, and the age limit is strict.
Is it worthwhile to buy serious illness health insurance for children?
Knowing the advantages and disadvantages of critical illness insurance for healthy children, is this critical illness insurance worth buying?
Next, I will give you a brief analysis:
It can be seen that compared with other critical illness insurance products on the market, PICC's children's health protection is not the best. There is no extra compensation for serious illness, and other protection is more common.
So how should children's critical illness insurance be chosen?
Pursuing critical illness protection: PayPal and Sunshine Insurance Beyond Edition
10 or compensation for serious illness in the first 20 years of Canadian insurance policy 160%.
The coverage of critical illness insurance in sunny days keeps increasing, increasing by 20% every two years, and the maximum payment for critical illness is 200%, with a high proportion of compensation.
Pursuit of comprehensive protection: mommy keeps the baby and is happy.
In addition to the basic protection, these two products also have protection for children's special diseases, both of which are extra compensation 100%. Among them, Mommy Bao Bei can get 200% extra compensation for rare diseases, and the compensation ratio is very good.
I have done a comparative evaluation of the health and welfare of mommy and baby and children before. Interested friends can take a look at this article: 10 Major insurance companies sell critical illness insurance for children.
Pursuing more serious illness without grouping: Mommy Bao Bei, Jia Paypal.
Mommy Bob was seriously ill and paid for it more than once, while Gabrielle was a group. In contrast, Mommy Bao Bei is more friendly, which can improve the probability of compensation and is more beneficial to the insured.
Let me summarize.
Generally speaking, Alipay's children's health benefits are prominent in some aspects, such as double indemnity, a special disease, but the basic protection is relatively general.
Buying critical illness insurance for children not only needs to consider the premium, but also whether the protection is comprehensive, whether there is special disease protection for children and so on.
To sum up, only the critical illness insurance that meets the needs of child protection is the best choice.
There are many excellent children's critical illness insurance in the market. You can make more comparisons and make the most suitable choice. If you want to know, you can poke here: Top Ten Insurance Companies' Hot Critical Illness Insurance Inventory!
For more inventory of critical illness insurance knowledge, please see my previous article: inventory of critical illness insurance of top ten insurance companies!