The recent children's critical illness insurance market is surging. After Beijing Life Bumblebee 7 Children's Critical Illness Insurance (all-round version) was launched, the Qingyunwei No. 2 of China Merchants Renhe and the Xiao Qinglong Children's Critical Illness of of Junlong Life of were also launched one after another, and the guarantee content of the three products is very excellent and the cost-effectiveness is very high.
So which product is what parents want? Let's take a look together.
Insurance rules:
The insurance rules of the three are not very different, and they are all applicable to minors aged 0 to 17. The coverage period is 30 years and 70 years old/lifetime, and there are many options for paying the payment period.
maximum insurance coverage: Bumblebee 7 and Xiao Qinglong are up to 700,000, and Qingyunwei No. 2 is 800,000.
guarantee content:
basic guarantee content includes serious diseases, moderate symptoms, mild symptoms, special diseases in children, rare diseases, and complete core guarantees.
Optional protection content includes death/full disability, multiple compensation for critical illness, 2 compensation for cancer, and hospitalization allowance/ intensive care unit subsidy.
The difference is that Bumblebee No. 7 and Xiao Qinglong come with additional compensation for critical illnesses, while Qingyunwei No. 2 requires additional additional disease care funds (additional compensation for mild, moderate and critical illnesses).
Next we look at their main differences.
1. Key differences in protection
1. Responsibility for mild and moderate symptoms
● Bumblebee No. 7: Mild/moderate symptoms have accumulated 6 compensations, and the threshold for claims is lower (up to 6 compensations can be paid for moderate or mild symptoms). After 90 days of compensation for the first critical illness, you can pay once for mild or moderate illnesses.
●Little Qinglong: After the first compensation for serious illness, you can also compensate for mild/moderate illness twice each
●Qingyunwei No. 2: After the first compensation for serious illness, you can compensate for moderate illness once again
2, Children's special disease protection
●Bumblebee No. 7: Insurance until the age of 70/end The insurance policy will be compensated higher for the first 30 years
●Qingyunwei No. 2/Little Qinglong: The insurance version will be compensated higher for the 30-year version, and the insurance policy will be compensated higher for the 70 years. The insurance policy will be compensated higher for the 30 years
3, additional compensation for critical illness
qingyunwei No. 2: You can pay extra compensation for mild/second/severe illness. The barrier time is longer and the insurance is 70 years old. Lifetime version responsibility can be selected for
4, death responsibility
● Bumblebee No. 7/Little Qinglong: You can not choose death responsibility
●Qingyunwei No. 2: Death responsibility must be selected, minimum compensation has been paid
5. The policyholder exempts
Hornet No. 7: The policyholder exempts liability support intelligent underwriting
2. The difference in price comparison
The three have high cost performance, and we use specific examples to compare.
Take a 0-year-old boy as an example, the insurance amount is 500,000
1, the insurance version of 30 years, the basic insurance responsibility is paid for 20 years, under the same protection responsibility
Bumblebee 7 annual premium 618.3 yuan (included hospital allowance)
Xiaoqinglong annual premium 721 yuan (attached hospital allowance)
Qingyunwei No. 2 annual premium 770 yuan (attached intensive care unit subsidy + death compensation premium)
Bumblebee 7 is lower.
guarantee:
*For additional compensation for critical illness, Bumblebee No. 7 and Qingyunwei No. 2 both had an additional compensation of 300,000 yuan in the first 10 years, and Xiao Qinglong had an additional compensation of 500,000 yuan.
*In terms of moderate or mild symptoms, Bumblebee No. 7 has a total of 6 compensations for mild/moderate symptoms, and the claim threshold is even lower (up to 6 compensations for moderate or mild symptoms). The mild and moderate symptoms of Qingyunwei No. 2 can be compensated for an additional 50,000 yuan per 100,000 yuan.
* Children's special diseases, Qingyunwei No. 2 and Xiaoqinglong pay an additional 100,000
2, lifelong version, basic insurance responsibility, pay for 30 years, insurance amount of 500,000, under the same protection responsibility
Bumblebee 7 annual premium 1835 yuan
Xiaoqinglong annual premium 1815 yuan
Qingyunwei No. 2 annual premium 1995 yuan
Xiaoqinglong is even lower, and Bumblebee 7 only has 20 yuan more.
guarantee:
*For additional compensation for critical illness, Bumblebee No. 7 and Xiao Qinglong can pay an additional 300,000 yuan in the first 30 years.
*In terms of moderate or mild symptoms, Bumblebee No. 7 has a total of 6 compensations for mild/moderate symptoms, and the claim threshold is even lower (up to 6 compensations for moderate or mild symptoms).
* Children's special disease, Bumblebee No. 7 will pay an additional 750,000 yuan in the first 30 years, and the compensation will be higher. 30 years later, Qingyunwei No. 2 and Xiaoqinglong paid an additional 100,000 yuan. Children's special diseases are naturally more common in childhood, so the additional claims for Bumblebee No. 7 are more meaningful.
This shows that the additional compensation for children's special diseases in the first 30 years of Bumblebee 7 is higher, and even if the premium is 20 yuan more than Xiao Qinglong, it is nothing.
3, lifelong version, basic insurance responsibility plus optional responsibility, pay for 30 years, insurance amount is 500,000 yuan, under the same protection responsibility:
Bumblebee No. 7 annual premium of 2,530 yuan (including additional compensation for critical illness, additional additional compensation for additional illnesses is included). Severe times of serious illness and cancer)
Xiao Qinglong's annual premium is 2,605 yuan (including additional compensation for critical illness, additional compensation for severe illness and cancer)
Qingyunwei No. 2 annual premium is 2,895 yuan (additional disease care bonus, death premium, multiple compensation for critical illness and cancer)
is still the lower premium for Bumblebee No. 7.
guarantee:
*Extra compensation for critical illness: Qingyunwei No. 2’s additional compensation time is before the age of 60, and the time is longer.
*Mixed and mild symptoms: Bumblebee No. 7 has 6 compensations for mild/moderate symptoms, and the claims threshold is lower (up to 6 compensations for moderate or mild symptoms). The mild and moderate symptoms of Qingyunwei No. 2 can be compensated for an additional 50,000 yuan per 100,000 yuan.
* Children's special diseases: Bumblebee No. 7 has an additional compensation of 750,000 yuan in the first 30 years, and the compensation is even higher. 30 years later, Qingyunwei No. 2 and Xiaoqinglong will pay an additional 100,000 yuan. Children's special diseases are naturally more common in childhood, so the additional claims for Bumblebee No. 7 are more meaningful.
*Serious illness compensation multiple times: Bumblebee No. 7 and Xiao Qinglong can both pay 3 extra times, and Qingyunwei No. 2 will pay 1 extra time. But this is not much different.
It can be seen that Bumblebee No. 7 is better in children's special diseases.
Summary
above, we can see that these three children's serious illnesses are not very different, and they are all very good. Under the same protection content, the premium for Bumblebee 7 is relatively lower, and the protection for children's special diseases is better. These three children's special diseases of children with critical illness insurance are almost exactly the same [gaze], and they are all very high-incidence major diseases for children. If you value the protection of children's special diseases, you can consider Beijing Life Bumblebee No. 7 Children's Critical Illness Insurance (all-round version). If you consider premiums and cost-effectiveness, I still recommend Beijing Life Bumblebee 7 Children's Critical Illness Insurance (all-round version).
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