Since the beginning of this year, the children's critical illness insurance market has been "in-converted" and recently another dark horse has emerged - Xiaoqinglong Children's critical illness insurance .
This product is similar to Bumblebee No. 7 in terms of protection. is very cost-effective, whether it is for 70 years old or for life.
Today, let’s review this Xiaoqinglong Children’s Critical Illness Insurance for you to see how it performs. Parents can also take advantage of the National Day holiday to choose a product that suits children.
- Xiaoqinglong Children's Critical Illness Insurance, what are the protections?
- Xiaoqinglong Children's Critical Illness Insurance, is it cost-effective?
- Xiaoqinglong Children's Critical Illness Insurance, how to buy better?
In order to save everyone time, we made a brief summary:
Xiaoqinglong Children's Critical Illness Insurance, what is the protection?
Xiaoqinglong Children's Critical Illness Insurance is insured by Junlong Life Insurance , and the insurance amount can be purchased up to 700,000 (up to 800,000 in one month from September 26).
So what is the overall guarantee of this product? Let’s take a look below:
It can be seen that the overall protection of Xiaoqinglong Children’s Critical Illness Insurance is relatively comprehensive. In addition to taking care of critical illness and mild to moderate illness, it also has the following characteristics:
Features 1: Extra compensation for critical illness, much compensation
Many children’s critical illness insurances on the market have an additional compensation of 50%~60%, and this product can be compensated for up to 100% .
- 30 years of insurance: suffered from serious illness in the first 10 years and could pay an additional 100% compensation, and 1 million was paid for buying 500,000 yuan.
- is protected until the age of 70 or lifelong: suffers from serious illness in the first 30 years and can compensate for an additional 60%.
Features 2: Children's special diseases are well protected
0 children's special diseases, can pay an additional 1.2 times the insurance amount, and buy 500,000 yuan to pay 1.1 million yuan. Among them, the three diseases that children have the highest incidence, such as leukemia , etc. are also covered, and they are not limited to age, and there are additional compensations during the protection period.
Xiaoqinglong Children's Critical Illness Insurance has a high incidence of children. We will analyze it for you in the next part.
Features 3: After paying for serious illness, mild and moderate symptoms can also be protected
Generally speaking, after paying for serious illness, the protection for mild and moderate symptoms will be invalid. However, after the first compensation for severe illness in , this product will suffer from mild and moderate symptoms after 90 days, and can also compensate twice each.
However, please note that if the confirmed mild and moderate symptoms are in the same group as the previous confirmed severe illness, you will not compensate. For example, if you first suffer from severe malignant tumors, then suffer from mild malignant tumors or carcinoma in situ, you will not compensate.
This product also has some value-added services, such as critical illness outpatient clinics, surgery or hospitalization Green Pass. It cooperates with Lu Daopei Hospital and can help make an appointment with experts to treat leukemia.
In addition, this product can also freely attach protection such as multiple compensation for severe diseases and 2 compensation for cancer. We will analyze it in detail in Part 4 .
In general, Xiaoqinglong Children's Critical Illness Insurance has comprehensive basic protection, and the additional compensation for critical illnesses and special children's disease protection is also good. Let’s take a look at how the performance of children with high incidence and critical illness in this product is.
Xiaoqinglong Children's Critical Illness Insurance
Is it safe for children with high incidence of critical illness?
We summarized 15 types of high-incidence serious diseases in children based on the "National Health Education Book for Preventing Major Diseases" released by the Chinese Actuary Association .
Most children's critical illness insurance will contain these 15 diseases. Some products also list some of these diseases as children's special diseases, which can be compensated for an additional amount.
Next, let’s compare several popular children’s critical illness insurances to see if Xiao Qinglong covers all the coverage of high-incidence serious illnesses in children:
It can be seen that Xiao Qinglong Children’s critical illness insurance covers these 15 high-incidence diseases in children, among which the three diseases with the highest incidence of can be compensated 2.2 times the coverage amount .
Moreover, this product's additional compensation for children's special diseases is not an age limit , and it will be effective during the protection period, and the protection is still good.
So compared with other similar products, is it worth choosing? Let’s take a look together below.
Xiaoqinglong Children's Critical Illness Insurance, how cost-effective?
After the above analysis, it can be seen that the protection of Xiaoqinglong Children's Critical Illness Insurance is indeed very excellent. So is it worth choosing? We took the 4 popular products on the market to compare:
directly tell the conclusion:
- If you have 30 years of insurance: can consider Huixinan 2022. There are additional compensation for critical illnesses in the first 30 years. Although there are self-death protection, the annual premium is only over 700, which is very cost-effective; Bumblebee No. 7 is also good. You can pay 60% more when suffering from critical illnesses in the first 10 years, and you can pay 800,000 yuan for purchases of 500,000 yuan. A 0-year-old baby only needs more than 600 yuan per year, which is cheaper.
- If you are insured for 70 years or for life: can consider Xiaoqinglong Children's Critical Illness Insurance, which is comprehensive, cheap, and has a high cost performance; in addition, although Super Baby Children's Long-term Critical Illness Insurance is a little more expensive, you can compensate for 80% of the critical illness before the age of 60, which is better for the protection.
The above products are all relatively excellent products on the market, both in terms of protection and cost-effectiveness. You can choose according to your own situation.
Compared with other products, the version of Xiaoqinglong Children's Critical Illness Insurance is more advantageous and the overall protection is also good.
Xiaoqinglong Children's Critical Illness Insurance, how to buy it more cost-effective?
Xiaoqinglong Children's Critical Illness Insurance has 5 optional protections, among which the multiple compensation for critical illness and two compensation for cancer are more concerned, and we will also analyze it in detail below.
So, are these optional guarantees worth choosing? Let’s give you a brief summary first:
- can be considered for additional: multiple compensation for serious illness, 2 compensation for cancer, policyholder exemption and hospitalization allowance
- is not recommended for additional: Death guarantee
Here you should note that the hospitalization allowance guarantee of this product can protect hospitalization caused by severe illness, mild to moderate symptoms or accidents. Compared with this guarantee of other similar products, the compensation threshold is not high. Among them, hospitalization compensation restrictions due to accidents are restricted before the age of 18.
Next, let's focus on the serious illness insurance of Xiaoqinglong Children's Critical Illness Insurance and the 2-time compensation for cancer:
These two additional protections of Xiaoqinglong Children's Critical Illness Insurance are similar to other excellent products, and have good cost-effectiveness:
. Pay for severe illness multiple times
Generally speaking, after suffering from severe illness, you can hardly buy critical illness insurance . After this product is attached with this protection, even if you have paid for serious illness, you will still have guaranteed in the future.
In order to facilitate everyone's understanding, taking the 500,000 insurance as an example, we made a picture to show the compensation ratio:
It can be seen that after adding this protection, if you suffer from different serious diseases every year, you can make a claim again, with a maximum of 4 compensations.
. Cancer compensation
With this protection attached, if the first serious illness is cancer, the cancer will be diagnosed again after 3 years; or other serious illnesses are diagnosed for the first time and cancer will be obtained after 180 days.
We still use a picture to show this guarantee, which is convenient for everyone to understand:
Some products on the market have two guarantees for cancer, which requires that the first serious illness must be cancer. However, the protection of Xiaoqinglong Children's Critical Illness Insurance is , no matter whether the first serious illness is cancer or other serious illness, you can compensate for it after the cancer is caused. is well protected.
Overall, whether it is a serious illness multiple compensation or a cancer twice, they are guaranteed well and the price is not expensive. If the budget is sufficient, it is still worth adding it to friends who want to buy insurance until the age of 70 or for life.
written at the end
The basic protection of Xiaoqinglong Children's Critical Illness Insurance is comprehensive, and the optional protection performance is also very good. If you are choosing critical illness insurance for your child, this product is worth considering.
If you have bought other products before, such as Bumblebee No. 7, Huixinan 2022, etc., there is not much difference between their protection and premiums, you don’t have to cancel the insurance and buy it again. If you want a higher insurance amount and need additional insurance, you can add another one.
Of course, different products have their own characteristics. There is no best product for , only the most suitable product. You can choose according to your actual situation.
I wish all children to grow up healthily and happily
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