If it is for children, it is suggested that it is more appropriate to insure health and welfare children's critical illness insurance. Because health welfare children's critical illness insurance provides protection for children's specific diseases and rare diseases, everyone can insure themselves according to actual needs.
In order to facilitate everyone's understanding, the following senior sister will introduce this product to everyone. Before you start, you can also look at this critical illness insurance selection strategy to see if the critical illness insurance for healthy children meets these standards: good critical illness insurance is like this! You have been cheated for so many years. ...
Let's take a look at its safety map first:
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As can be seen from the above figure, children's critical illness insurance has two payment cycles, namely, 20-year payment and 30-year payment.
Considering that parents should not only bear the family's economic expenses, but also buy critical illness insurance for their children, which may cause some pressure, it is suggested that it is more appropriate to choose a longer 30-year payment.
Because other conditions being the same, the longer the payment period, the less premium you need to pay each year, so the pressure will be reduced.
If you don't know what kind of payment period you are suitable for, you can also look at the analysis of this article first: How to choose the payment period so as not to lose money?
In terms of protection content, the intimacy of health and welfare children's critical illness insurance is that this product also provides optional protection for policyholders' exemption.
You know, before the child is truly independent, the premium required by the policy still needs to be borne by the parents. If this guarantee is attached, the remaining unpaid premium can be exempted when the parents have agreed in the contract, so that the policy is still valid and the policy can be avoided to some extent.
However, the children's critical illness insurance of health welfare does not provide the second payment guarantee for high incidence and serious illness, such as the second payment guarantee for cancer. You know, a disease like cancer may recur or metastasize again in the next 3-5 years, even if it is discharged after treatment after diagnosis, with a probability of over 90%.
If you want to know more about the second compensation for cancer, you can look at this information again: Is it necessary to attach the second compensation for cancer? If you don't understand these points, be careful to spend money for nothing!
These are some answers to the questions. Generally speaking, the performance of health and welfare children's critical illness insurance is relatively general. I suggest you look at other products.
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