It should be noted that Long Jun Xiaoqinglong introduced a good start policy at the end of 2022 and relaxed underwriting rules. For example, some patients with mild asthma and rhinitis have the opportunity to be insured normally.
This time, the opening hours will last until March next year.
Long Jun Xiaoqinglong is a critical illness insurance for children, and all the protection contents are aimed at children, which is highly targeted.
So how does the product perform? What other recommendations are there for baby critical illness insurance?
Let's take a look.
1, insurance rules
The insurance age of Long Jun Xiaoqinglong is 28 days after birth-17 years old, and the children's critical illness insurance is suitable, but adults cannot take out insurance.
There are three options for the guarantee period: 30 years (closed insurance), 70 years and life.
If the warranty lasts for 30 years, the child will be an adult at the end of the warranty, and you can choose another new product. If the warranty period is long, the child will not have to worry about the long-term vacancy of the warranty.
The waiting period of Long Jun Xiaoqinglong is 180 days, and the optional longest payment period is 30 years.
2. Basic guarantee
Long Jun Xiaoqinglong pays 100% of the insured amount for serious illness, and there is an additional amount.
Choose to insure for 30 years, and be diagnosed with serious illness for the first time 10 years before the policy, and pay extra 100% of the insured amount, and a * * * pays 200% of the insured amount;
If you choose life-long coverage until you are 70 years old, you will be paid an extra 60% of the insured amount and 160% of the insured amount if you are diagnosed with serious illness for the first time 30 years before the policy.
As for mild illness, 60%/30% of the insured amount will be paid separately, with no extra payment.
3. Child protection
Long Jun Xiaoqinglong agreed on the corresponding compensation ratio for children's specific diseases and rare diseases.
220% of the insured amount of children's specific diseases; 300% insurance coverage for children with rare diseases.
As for the specific diseases and rare diseases of children, you can consult your father.
In addition, there are sickness hospitalization allowance and accident hospitalization allowance, which can reduce the burden of hospitalization expenses of the insured during hospitalization.
4. Optional responsibilities
Long Jun Xiaoqinglong Escape * * * has four optional responsibilities:
1) Repeated payment for serious illness
The original single payment for critical illness insurance can be changed into multiple payments, and it is agreed that other critical illnesses will be diagnosed again every 365 days after the first critical illness, and the second, third and fourth payments are 120%, 140% and 160% respectively.
2) Secondary compensation of malignant tumor
We are familiar with this responsibility, and almost every mainstream critical illness insurance has its shadow.
Mainly for the second payment of cancer, the payment ratio is 120%, and attention should be paid to the interval.
3) Death/total disability protection
Incorporating death liability into optional liability can reduce the premium of products,
The compensation agreement takes age 18 as the dividing line. Please see the picture above for details.
4) Exemption of the Insured
It is better to attach this responsibility, in case the subsequent insured suffers from the agreed disease, the remaining unpaid premium of the policy can be exempted.
The above is the basic content analysis of Long Jun Xiaoqinglong, with rich responsibility and strong pertinence.
Long Jun Xiaoqinglong relaxed the underwriting rules this time, so that some sick babies also have the opportunity to insure, but it should be noted that the end time of the activity is March 3, 20231.
Of course, there are many optional products, such as Bumblebee No.7 and Qingyun Wei No.2, which are popular with Ma Baobao at present. You can also consider it when you insure.