Star Baby Children's Critical Illness Insurance is a product launched by Fosun Prudential Life Insurance . This children's critical illness insurance is very popular on the market. Many friends came to consult their seniors and asked about the guarantee content of this product and whether it is worth buying.
Today, senior sister will give you a good review of this product. Let’s see how its protection content is and whether it is worth insurance.
This article focuses on
1. What are the highlights of Star Baby Children's Critical Illness Insurance?
2. Is Xingbao Children's Critical Illness Insurance worth insurance for everyone?
1. What are the highlights of Star Baby Children's Critical Illness Insurance?
is still the same, let’s take a look at the protection chart of this product first:
From the above protection chart, we can see that the insurance age range of Xingbao Children’s Critical Illness Insurance is from 30 days to 15 years old. In addition, it is also a critical illness insurance product that is guaranteed for life. Next, the senior sister will conduct a specific analysis of the content of this product from the following aspects to see what its highlights are.
1, rich and flexible payment methods
From the perspective of the protection map, the Xingbao Children's Critical Illness Insurance product provides several payment methods: 5-year payment, 10-year payment, 15-year payment, 20-year payment, and 30-year payment. From this point of view, this product is quite rich and flexible compared to those same products on the market that only provide lump sum payment. You can make choices based on your own payment needs.
2. The waiting period is 90 days.
. The waiting period for critical illness insurance means that during the waiting period, if the insured suffers from the disease stipulated in the contract, the insurance company will not bear the liability for compensation (except for other agreements). Generally speaking, under the same conditions, the shorter the waiting period, the more beneficial it will be to everyone.
From the protection chart, we can see that the waiting period for Star Baby Children's Critical Illness Insurance is 90 days . Compared with the same type of products on the market that have set a 180-day waiting period, their advantages in waiting period are still very outstanding.
3, comprehensive protection content
From the protection chart, we can see that this product provides severe illness protection, moderate illness protection and mild illness protection . From this point of view, its guarantee content is quite comprehensive.
In addition, the compensation ratios for mild and moderate illness protection of this product are 30% basic insurance and 60% basic insurance respectively.
You should know that the compensation ratio of this product in terms of mild symptoms and moderate symptoms protection has reached the compensation ratio of mild symptoms and moderate symptoms protection of excellent critical illness insurance products on the market. From this point of view, the compensation for mild and moderate symptoms of this product is quite strong.
In addition to providing mild/medium/severe care protection, this product also provides other protections such as death or full disability insurance, terminal care payment for disease, and insured moderate or mild illness exemption insurance premiums. The insured premium exemption means that during the payment period, if the insured unfortunately encounters an accident and meets certain specific circumstances and meets the exemption conditions, the subsequent premiums can be paid without paying after obtaining the consent of the insurance company, and the protection is still valid.
You should know that not all critical illness insurance products provide the insurance exemption of insurance premiums. From this point of view, this product is quite sincere.
4, optional protection is rich and practical
Star Baby Children's Critical Illness Insurance This product optional protection includes malignant tumors - severe care insurance, special care insurance for major diseases, medical insurance for major diseases, and special care insurance for children .
Among them, special care insurance for major diseases stipulates that if the insured suffers from the agreed serious illness for the first time and meets the conditions, the insurance company will compensate for an additional 50% of the insurance amount. The total compensation is 150% of the insurance amount, and the protection is still very strong.
From this point of view, the optional protection content of Xingbao Children's Critical Illness Insurance is relatively rich and practical.
2. Is Xingbao Children's Critical Illness Insurance worth insurance for everyone?
Overall, the payment methods of this product are quite diverse and flexible, and the waiting period is also short. In addition, the guarantee content of this product is also very comprehensive and its compensation is also very strong. Moreover, its optional guarantee content is also rich and practical.
So, the senior sister thinks that the Star Baby Children's Critical Illness Insurance product is quite excellent. You can choose whether to take out insurance based on your own protection needs.
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