Recently, a friend just gave birth to a child and was still in the confinement center, he talked about buying insurance for his child.
I have to say that this time parents' parenting view is really different from our previous generation. We know to provide risk protection for children as soon as possible.
and The first insurance that many families buy for their children is critical illness insurance ,
, but there are so many products, the protection content of critical illness insurance is relatively complicated, and it is more difficult to choose. Parents and parents are prone to buying the wrong ones if they are not careful. Which one is suitable for your children?
Today, Daddy helped you screen out several good products, but it is recommended that you underwriting and insured with the assistance of professionals.
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Children's critical illness insurance list
Currently the most recommended products are these:
- Hengqin Life Insurance Dumboy
- Investment Merchants Renhe Qingyunwei No. 2
- Kunlun Health Insurance Children's Edition A
- Beijing Life Bumblebee No. 7
- Guolian Huixinan 2022
First look at the product information:
The basic guarantees of these products are very excellent, and each has its own characteristics, which can meet different guarantee needs.
Let's take a look at the detailed comparison:
1, basic protection comparison
These products have relatively comprehensive basic protection, basic serious illness and mild to moderate illness protection, and also include children's special disease protection,
1) Additional compensation for diseases: Qingyunwei No. 2 is better
Qingyunwei No. 2 's critical illness, moderate illness and mild illness all include additional compensation, and the overall compensation ratio is higher.
especially for serious illness. If the 30-year insurance version is covered, an additional compensation of 60% can be paid in the first 15 years of the policy; if the insurance is covered to 70 years old/lifetime version, you can choose to pay an additional 60% before the age of 60.
protection time is the longest among several products, and can give the insured higher insurance treatment.
In addition, Dumbo and Bumblebee No. 7 also performed well, and can compensate for 60% of critical illnesses.
Huixinan 2022 is the first 30 years before the policy. The first additional compensation for critical illness/medium/mild illness is 50%/30%/15% of the insurance amount.
Kunlun Health Insurance Children's Edition A version of 's critical illness protection is that
Before the payment period expires, critical illness compensation can be paid 150%, which also increases the intensity of critical illness compensation to a certain extent.
2) Guarantee for mild and moderate symptoms: Qingyunwei No. 2 and Bumblebee No. 7 better
These two products are compensated for severe diseases, and they can be compensated for mild and moderate symptoms again, and the guarantee content is very high.
In addition, the additional compensation for Qingyunwei No. 2 is stronger, with an additional compensation of 20% for moderate symptoms, a total of 80% for minor symptoms, and an additional compensation of 10% for mild symptoms, a total of 70% for total compensation.
, and Bumblebee 7's minor and moderate compensation is very flexible, and 6 payments are shared.
3) Children's special disease protection: Kunlun Health Insurance Children's Edition A, Bumblebee No. 7
From the perspective of special disease compensation, Kunlun Health Insurance Children's Edition A is aimed at 25 special diseases, with an additional 150% compensation before the age of 30, and the compensation is very strong;
, and the insurance to 70 years old/lifetime version of Bumblebee No. 7 is even better, and can pay an additional 150% compensation before the first 30 policy years, which is even better.
Let’s look at the rare diseases compensation. Qingyunwei No. 2, Bumblebee No. 7 and Huixinan 2022 products have additional compensation for rare diseases.
and are all targeted at 10 diseases, with an additional compensation of 200% insured, which is comparable.
2, compared with high-incidence diseases
In addition to protecting, the coverage of high-incidence diseases is also something that many parents are concerned about.
1) High-incidence critical illness coverage
5 products have good coverage of high-incidence critical illness in children, with only 1 or 2 diseases missing.
and also lists most of the high-incidence severe diseases as special diseases in children. If the compensation is superimposed, the protection will be stronger.
However, it should be noted that the children's special diseases of Kunlun Health Insurance Children's Edition A are time-limited and are only protected until the age of 30.
The other four products of children's special diseases will last as long as possible. There is no age limit for claims. If chooses the lifelong version, the extra special diseases will be valid for life.
is still very excellent. After all, some diseases are not only high in childhood, but may also occur when you grow up.
2) Overview of high incidence of moderate symptoms
The most comprehensive coverage of moderate symptoms in Qingyunwei No. 2 , and only 2 diseases are classified as mild symptoms,
followed by Dumbo and Huixinan 2022. Several diseases are covered, but 4 diseases are classified as mild symptoms,
Although Kunlun Health Insurance Children's Edition A is missing, it does not have any disease to be classified as mild symptoms.
3) Overwrite of high-incidence mild symptoms
From the perspective of disease coverage, except for Kunlun Health Insurance Children's Edition A, which lacks 3 types, the disease coverage of the other 4 products is relatively complete.
And several products have upgraded many mild symptoms to moderate symptoms. Dumbo has the most types of diseases upgraded.
3, other guarantees compared to
In addition to basic serious illness protection, these 5 products also have rich optional guarantees,
1) Death protection
Dumbo and Bumblebee 7 are more flexible, can choose whether to add it according to your own budget.
2) Pay multiple compensation for serious illnesses
5 products can be attached, among which Bumblebee No. 7 and Huixinan 2022 perform better,
Bumblebee 7 7 The number can be compensated up to 3 additional times, 120%, 130%, and 180% respectively;
Huixinan 2022 can be compensated up to 3 additional times, 120%, 140%, and 160% respectively;
followed by Kunlun Health Insurance Children's Edition A, and you can be compensated up to 2 additional times, each with 120% of the insurance amount.
3) Cancer secondary compensation
5 products can be attached, among which Kunlun Health Insurance Children's Edition A has a higher compensation ratio,
Qingyunwei No. 2, Bumblebee No. 7 and Huixinan 2022 also performed relatively well, and the compensation ratio is also relatively high, and the interval between non-cancer → cancer is shorter.
4) Other optional responsibilities
Qingyunwei No. 2 can attach intensive care unit subsidy , which can also help children's families reduce the treatment burden,
Kunlun Health Insurance Children's Edition A can attach youth special diseases and elderly special diseases protection , so that children can have protection for their whole life.
Huixinan 2022 can attach severe hand, foot and mouth disease hospitalization allowance . This disease is the second most common serious disease among minors, and the incidence and mortality rate of children under 5 years old is higher, and the protection is relatively practical.
5) Value-added service
Qingyunwei No. 2 contains health management services:
is divided into three major services: Health consultation , daily medical treatment and serious illness medical treatment. The validity period of the service is the first 3 policy years after the policy takes effect.
Kunlun Health Insurance Children's Edition A provides children's leukemia health management services with a 5-year validity period:
Bumblebee No. 7 also gives free health management services, making medical treatment more worry-free:
4, premium comparison
Let’s take a look at the comparison of premiums:
1) Insurance until the age of 70: you can choose Dumboy, Qingyunwei No. 2, Bumblebee No. 7 and Huixinan 2022
In the absence of death, the premiums for Huixinan 2022 and Bumblebee No. 7 are cheaper.
insured Huixinan 2022, only 771 yuan for a 0-year-old boy, and only 678 yuan for a 0-year-old girl.
If death protection is added, Qingyunwei No. 2 has more advantages.
0-year-old boy only costs 1,041 yuan, and 0-year-old girl only costs 801 yuan.
2) Insurance for life: Qingyunwei No. 2 has the lowest price
Whether it is a death or a serious illness multiple compensation and a second compensation for cancer, Qingyunwei No. 2's premium advantages are the most obvious.
followed by Huixinan 2022 and Bumblebee No. 7. Moreover, the multiple compensation for severe illnesses of these two products can be made up to 3 additional compensations, which is better than other products. How to choose these products of
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? After reading the overall comparison, how should we choose the 5 products?
1. Pursuing special disease compensation for children, and having abnormal health: Hengqin Dumbo
Dumbo supports manual pre-underwriting . Even if the underwriting conclusion is a rejection, a record will not be left, which will affect the insured other products.
Although the above products' special disease protection for children are top-notch in the industry, with no age limit for risk.
special disease protection for children can cover life, Dumbo's special disease protection for children has more advantages.
If you pay special attention to children's special disease protection and have poor physical fitness at home, you can consider this product.
2. Pursuing additional compensation for diseases, paying attention to the protection of mild and moderate symptoms: Qingyunwei No. 2 and Bumblebee No. 7
Both products are after paying for severe diseases, and you can also pay for mild and moderate symptoms again, which has a high value for the protection.
In addition, the critical illness, moderate illness and mild illness of Qingyunwei No. 2 all include additional compensation, and the overall compensation ratio is quite high.
especially for serious illness. If you choose to protect until the age of 70/lifetime, you can enjoy additional compensation before the age of 60.
protection time is the longest among several products, and can give the insured higher insurance treatment.
, and Bumblebee 7's critical illness also includes additional compensation, and the number of compensations for mild and moderate symptoms is very flexible, and 6 compensations are shared.
And both products provide practical health services.
For example, Qingyunwei No. 2 provides services such as health consultation, daily medical treatment and serious illness treatment;
Bumblebee No. 7 provides online graphic consultation, telephone doctor consultation and critical illness green channel and other services.
hopes to obtain more practical mild-to-moderate protection, greater disease protection, and parents who can obtain more practical health and medical services can consider buying these 2 for their children.
3. Pay attention to the protection of high incidence of special diseases and pursue high compensation ratios for parents: Health care Children's version A
In addition to the protection of special diseases for children before the age of 30, you can also attach for young and middle-aged people and elderly people to protect specific diseases after the age of 30, and you will be guaranteed for life.
Specific diseases are targeted at high incidence diseases of different ages, and the protection is more considerate.
and pay 150% of the critical illness during the payment period. If you add an additional 150% of the special illness before the age of 30, you can get a maximum compensation of 300%.
is suitable for parents and friends who want to provide lifelong protection for their children and value special diseases and compensation ratios.
also provides children's leukemia health management service with a valid period of 5 years.
4. The budget is limited, or you may want to add insurance to your child: Huixinan 2022, Qingyunwei No. 2, Bumblebee No. 7
Huixinan 2022 has flexible insurance, many options for coverage, optional responsibilities can be flexibly matched,
Because this product does not have additional compensation for serious illnesses, the premium is low, and the premium is very low when is covered until 70 years old.
In addition, Huixinan also provides hospitalization allowance for severe hand, foot and mouth, and the protection of high-incidence diseases in children has been upgraded again.
If you want short-term protection and have limited budgets, you can consider insured your child. This product is
In addition, the premiums of the two products, Qingyunwei No. 2 and Bumblebee No. 7, are also relatively cheap.
, especially Qingyunwei No. 2, is protected to 70 years old. In case of death, it is cheaper than Huixinan 2022.
is also the lowest premium among several products.
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daddy summary
If you are just ready to take critical illness insurance for your child, these products can be said to be the best choice.
It is undoubtedly wise to configure children's critical illness insurance for them when their children are still young and have good health.
In addition, it is best to configure millions of medical insurance and accident insurance. The two are only a few hundred yuan a year, but the protection can be more comprehensive.
If you still don’t know how to choose, you can send me a private message.
