Senior sister will talk to you today about excellent children's critical illness insurance! Not only do I want to introduce the products to you, but I also have a few tips to tell your parents!
If you can't spare time to watch it slowly, just click this link:
"Ten super cost-effective children's critical illness insurance! 》
First, it is recommended to buy regular critical illness insurance for children!
Before the popularization of science, let's take a look at the safeguard comparison chart:
1, Mommy Bao Bei Newborn Edition: Excellent Protection for Children with Special Diseases.
The new edition of Mommy Bao Bei contains 20 special diseases and 5 rare diseases of children.
Then, the proportion of compensation set for children's special disease protection is: 100% of the basic insurance amount can be paid additionally; The guarantee for rare diseases in children is: 200% extra insurance.
Refer to this example:
Lao Wang is 30 years old. He insured a critical illness insurance product for Jiang Mumu, a 0-year-old child, in Mommy Bao Bei Newborn Edition, with the insured amount of 300,000.
If Mu Mu unfortunately suffers from the special diseases of children stipulated in the contract two years later, he can get (100%+100%) * 300,000 = 600,000 insurance money.
If Jiang Mumu unfortunately suffers from a rare child disease, she can get (100%+200%) * 300,000 = 900,000 insurance money.
This guarantee is really strong! Moreover, as can be seen from the security map, if the 0-year-old baby is equipped with the 300,000-insured Mommy Baby Newborn Edition, the average annual premium is about 1000 yuan, which is really good!
Parents interested in this product may wish to poke this detailed evaluation to see:
What are the competitive advantages of Mommy Baby Newborn Edition? Look before you buy it! 》
2, really care for the shell: caring for leukemia.
In China, among the 100 children who died, 10.7 children died of childhood tumors, which is the second leading cause of child death, second only to accidents.
The biggest difference between childhood cancer and adult cancer is the difference in disease. For example, lung cancer, colorectal cancer and breast cancer are common in adults, but the most common tumor in children is actually leukemia, which represents blood tumors and accounts for about one-third of all childhood cancers.
According to statistics, the cost of treating childhood leukemia is around 600,000, which is still unacceptable for families with average economic situation.
In this case, True Love Bao Bei gave the insured leukemia care fund protection, and supported the extra payment of 65,438+000%. Parents who take a fancy to this kind of protection can consider allocating it to their children.
Second, what should I pay attention to when buying critical illness insurance for my children?
1, the insurance coverage should be enough.
As we all know, critical illness insurance is payment insurance. When an insurance accident happens, the insurance company will pay you a sum of insurance money directly.
How much insurance can I pay? On the basis of the insurance amount selected when purchasing insurance, the payment will be made according to the agreed payment ratio.
The formula is: insurance amount * payment ratio = insurance premium.
Under the same compensation ratio, the higher the insured amount, the more compensation will be obtained.
Therefore, the choice of insurance protection is very important!
Under normal circumstances, if the economic conditions permit, you may wish to purchase 500,000 insurance coverage, or refer to the family's economic strength to increase appropriately.
If the money is not enough, the insured amount should not be less than 300 thousand as far as possible, otherwise there is no guarantee.
Friends who are not clear about this, then click on this detailed popular science article, and senior sister will not explain too much:
What is the appropriate amount of critical illness insurance? Talk about the doorway inside.
2. Extend the payment term
The premium of critical illness insurance is actually similar to that of mortgage and car loan.
Under a certain amount of insurance, the longer the payment period, the less premium will be paid each year, which will help parents reduce the pressure of payment!
Therefore, when choosing critical illness insurance, the longer the payment period, the better!
3, the budget is enough to live.
Because the guarantee period is different, there are two kinds of critical illness insurance: lifelong critical illness insurance and regular critical illness insurance.
If the economic conditions are better, senior sister still suggests that you give priority to purchasing lifelong critical illness insurance.
Although regular critical illness insurance requires less premium, it will not be guaranteed for a period of time in the later period, but lifelong critical illness insurance can be guaranteed for life, which will bring more stable protection to children once and for all!
The exemption of the insured is very important.
The exemption of the insured means that certain circumstances, such as death, disability, serious illness or mild illness, happen to the insured within the payment period stipulated in the insurance contract. The insured does not need to pay the subsequent premium, and the policy is still as valid as before.
With such protection, even if parents have an accident, they can't continue to pay insurance fees for their children.
Third, the summary of the senior sister
Today's sharing ended successfully. If parents still have something they don't understand, they can write to Senior Sister privately, and Senior Sister will answer them one by one!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!