According to the regulations of China Insurance Regulatory Commission, the amount of insurance for accidental death of children should not exceed 654.38+10,000 yuan, but there is no clear stipulation on the amount of compensation for serious illness. For parents, to buy critical illness insurance for their children, considering that the treatment cost of major diseases ranges from 70,000 yuan to 80,000 yuan,/kloc-0,000 yuan or more, the insurance coverage of 6,543.8+10,000 yuan to 300,000 yuan is relatively moderate, the protection function below 6,543.8+10,000 yuan is too weak, and the premium above 500,000 yuan is too high, which is unnecessary for the general public. At present, there are two kinds of critical illness insurance on the market, one is consumer critical illness insurance and the other is long-term critical illness insurance. Consumer critical illness insurance is mostly a combination product, which can obtain multiple protection at a lower price and is more suitable for children with insufficient basic protection. Juanjuan is a child with medical insurance and accident insurance, accident insurance and basic medical insurance, so it is more appropriate to choose children's critical illness insurance products with simple critical illness protection. At present, most of the long-term children's critical illness insurance products on the market are purebred children's critical illness insurance products. According to Mr. Shen's family economic strength, it is suggested that the amount of children's critical illness insurance should not be less than 200,000 yuan. Anxin Baby Children's Critical Illness Protection Plan is a long-term purebred critical illness insurance product for children born more than 30 days to 16 years old, covering 25 major diseases and 2 specific diseases, and providing double insurance compensation for specific diseases. In addition, the insurance also has the function of returning the insurance survival fund at maturity, and it is recommended that Mr. Shen buy it. According to Mr. Shen's current family economic strength, it is suggested that the basic insurance amount is 200,000 yuan, the payment type is annual, and the payment period is 17 years old, so that the critical illness protection can be obtained until the age of 25. After the age of 25, Juanjuan has been working and can take care of his own serious illness.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.