Before starting the analysis, you can also take a look at this related information:
How about China Post Caritas Maritime Education Gold Insurance? This kind of person should pay attention when taking out insurance! 》
First, China Post Caritas Navigation Education Gold Insurance Protection Content Analysis!
Let's take a look at its safety map first:
As can be seen from the figure, China Post Caritas Sailing Education Gold Insurance can guarantee the insured to be 30 years old, so it can cover the important period from school to graduation to work.
Moreover, there are also these places that need attention.
1, and the payment period is affected by the age of participation.
Let's talk about the payment term first. When consumers start the product, the payment period they can choose is related to the age of the insured. For example, if the age of the insured is 30 days to 5 years old, you can not only choose the wholesale payment according to your personal situation, but also choose the 3-year payment, 5-year payment or 10-year payment according to your personal situation.
If the insured reaches this age range and the parents have more money at hand, you can consider choosing the method of batch payment.
Because there is no difference in other conditions, the total premium required for wholesale payment is less than that for annual payment, which is relatively more cost-effective.
If you want to know more about barges, you can also look at this information:
What do you mean by wholesale? What are the benefits? 》
2. The safety content is rich.
The protection provided by China Post Caritas Sailing Education Insurance is very thoughtful, including: high school education, university education, continuing education, expiration protection, death protection, and exemption of the insured's accidental death insurance.
For example, high school education fund and university education fund cover children's education from high school to university, so parents don't have to worry about their children's tuition.
Seeing this, do you think that the performance of China Post Caritas Sailing Education Gold Insurance is not bad? But it's not worth insuring. It's clear after reading the following analysis.
2. Is China Post Caritas Navigation Education Gold Insurance worth buying?
1, with a narrow age range
The age range of China Post Caritas Sailing Education Gold Insurance is not very close to the people, and only children aged 30 days to 10 can buy insurance.
At present, for some products with excellent performance of the same type on the market, in order to let more children have the opportunity to buy education funds, the maximum insurance age will start from about 17 years old.
In contrast, the age range covered by China Post Caritas Navigation Education Gold Insurance seems to be not intimate enough for some older children.
2. Lack of comprehensive disability protection
Another outstanding feature of China Post Caritas Navigation Education Gold Insurance is that it only provides death protection, and there is no total disability protection.
The advantage of including total disability protection is that if the insured is completely disabled during the protection period, he can also get a sum of money, which is very good for the expenses during treatment and rehabilitation.
However, China Post Caritas Sailing Education Gold Insurance does not include this protection.
On the whole, China Post Caritas Sailing Education Gold Insurance is generally cost-effective and lacks protection, so it is not worth starting with.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has arranged a lot of value-for-money and well-guaranteed education insurance. You can choose the best one here:
"The latest! The eight education funds with the highest rate of return in 2022 have been selected ~ "
Write it at the end
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