Next, the senior sister will seriously talk about these two products! You can see which one is more suitable.
First, the analysis of the content of the 2022 children's critical illness insurance of Guolian Life Insurance Hui Xin 'an!
I come to present the children's critical illness insurance protection map of League of Nations Life Huixin 'an 2022:
1, providing protection for specific diseases and rare diseases.
The protection of children's special diseases is very important from the child's point of view. The high-incidence diseases of different ages are different, even for teenagers and children. In particular, leukemia, a serious disease that is easy to occur in children, requires at least several hundred thousand yuan in treatment costs. For ordinary families, it is really unbearable, and it is very likely that the family will be in trouble in an instant.
The special disease protection of League of Nations Life Insurance Huixin 'an 2022 children's critical illness insurance includes a variety of diseases-20 high-risk special diseases of children and 10 rare diseases, such as leukemia and severe asthma, etc., all within the scope of protection, so that children can get enough sense of security.
2. Rich optional responsibilities
Guolian Life Huixin 'an 2022 Children's Critical Illness Insurance not only provides protection for severe/moderate/light illness, but also provides consumers with a variety of optional protection, and these protection are very practical.
Take "multiple payment of critical illness insurance" as an example. One year after the first serious illness, if you are diagnosed with other serious diseases again, you can also get compensation, and you can pay an additional three times at most (limited to different major diseases, interval 1 year). The payment ratio is 120% basic insurance, 140% basic insurance and 140% basic insurance.
It is worth noting that after a serious illness, if the body is devastated by the disease, the resistance will be much worse than before, so the possibility of suffering from a serious illness again will be greatly improved.
With this insurance liability, this gap can be well filled.
Guolian Life Huixin 'an 2022 Children's Critical Illness Insurance still has many bright spots. If you want to know more, you can also read this article again:
Want to buy Guolian Life Insurance Huixin 'an Children's Critical Illness Insurance Children 2022? Then pay attention to this! 》
Second, Kunlun Health Insurance Children's Edition A Critical Illness Insurance Protection Content Analysis!
Then let's analyze the high-definition map of Kunlun Health Insurance Children's Edition A Major Disease Insurance:
1, providing death/total disability protection
Kunlun Health Insurance Children's Edition A Critical Illness Insurance not only provides protection for serious/moderate/light diseases, but also provides protection for death/total disability, and its planned compensation scheme is also flexible to operate.
If the first option is selected, as long as the insured is really dead or completely disabled and fully meets the compensation standard, he can pay according to the accumulated premium.
And if you choose the second option, you can directly divide it according to whether people die at the age of 18. If the person dies/is completely disabled before 18 years old, the premium paid can be directly compensated. However, assuming that 18 years old dies/is totally disabled, you can claim 100% of the basic insurance coverage.
2. Provide exemption clauses for the insured.
The critical illness insurance of Kunlun Health Insurance Children's Edition A is more intimate, and the optional protection of the insured's exemption is specially set. When the insured suffers from serious/moderate/light illness, or is totally disabled or dies, the remaining unpaid premium can be directly exempted, and the policy is still valid.
Before the children can't be independent, they still need to rely on their parents, and the premiums required by the policy need to be borne by their parents.
And if there is this guarantee, even if the parents do have a contractual situation, which makes it impossible to continue to pay the premium, there is no need to worry that the policy will be invalid.
If you don't understand the content of exemption protection, you can look at the analysis of this article again:
Will the premium be exempted? Do I have to choose insurance? 》
Third, insurance advice.
Generally speaking, senior students have always felt that Huixin 'an 2022 Children's Critical Illness Insurance and Kunlun Health Insurance Children's Edition A Critical Illness Insurance are really good.
However, seniors must remind everyone that the guarantee period of these two products is completely different. Huixin 'an 2022 children's critical illness insurance can be configured with a fixed term or lifetime protection. However, Kunlun Health Insurance Children's Edition A Critical Illness Insurance can only be configured for life.
Therefore, which of these two products is more suitable for buying needs to be analyzed in more detail in combination with its own actual situation.
Finally, in order to prevent everyone from stepping on the pit when buying critical illness insurance, Senior Sister has specially prepared these materials, and I suggest you read them before taking out the insurance:
"Take a look at the common pit of critical illness insurance! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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