Take a boy of 0 years old as an example. The insured amount is 200,000, the payment period is 8 years, and the annual premium is more than 2,000. The guarantee is as follows:
First: 200,000 critical illness protection;
Second: 40,000 mild illness protection;
Third: no claim at the age of 30, returning 35,000;
Fourth: 200,000-300,000 death compensation.
The advantages and disadvantages of this product are as follows:
Advantages: no claim at the age of 30, 1.5 times the premium paid;
Disadvantages: insufficient protection and insufficient insurance coverage.
What children need most is: medical security+critical illness security. For example, for the most serious leukemia in childhood, the cost of treatment needs 654.38+00,000 yuan. When a medical insurance is opened, the medical expenses will be reimbursed, and a critical illness insurance can give hundreds of thousands of extra money for rehabilitation or for children.
Therefore, medical security is lacking and the amount is not enough. In addition, what is the significance of death protection for children? It is suggested that children's insurance should be: critical illness insurance+million medical insurance+Xue Ping insurance. With regard to the critical illness insurance for ordinary children, 800 yuan can provide coverage of 654.38+00,000 yuan and millions of medical insurance, even if the coverage is several million yuan a year, 10,000 yuan is deductible. Taken together, it is more than one year 1 1,000, including the protection of diseases and accidents.
After picking up hundreds of children's insurance, Senior Sister collated a ranking of children's insurance. Because there is too much content, I won't show it here. Click on the original text to see: 8 cost-effective children's insurance.