Is it necessary to buy insurance for newborn children? Is it suitable to buy Taiping Frova lifelong critical illness insurance for children? Senior, let me tell you!
Before starting the analysis, I'll send you a cheat sheet to buy insurance for your child to help you not waste money on buying insurance for your child:
"Less than 1000 yuan, take the child's insurance! 》
1. Does Taiping Fuluwa take care of children for life? Guarantee publicity!
When I just heard that Taiping Life Insurance launched the children's critical illness insurance, the seniors were still full of expectations. According to the propaganda content, it is a product that guarantees comprehensive and humanized design, and has the characteristics of 15 double compensation for specific diseases.
However, after seeing Zhenbao, senior sister found that there were still many places to pay attention to. Let's see:
Looking at these relatively simple security contents, the short waiting period is commendable. The waiting period of Taiping Fuluwa is set to 90 days, which really allows us to enjoy the protection faster and avoid the risk of waiting period from being paid.
But the guarantee period can only be guaranteed for life. If there is no guarantee period, friends with a small budget should pay attention. And the longest payment period is 20 years. Under the same amount of insurance, compared with the products with the longest payment period of 30 years, the pressure of annual payment is increasing when the payment is made in 20 years.
It can also be observed from the premium calculation that if you buy 500 thousand insurance coverage, the premium will exceed 5 thousand ......
Next, let's take a look at the product warranty:
1, security content
Nowadays, the combination of severe illness+mild illness+moderate illness is very popular and has become the routine operation of many critical illness insurance.
This Taiping Frova covers the protection of serious illness and light illness, but there is no protection of middle illness. Moreover, there is no practical guarantee like the second compensation for cancer:
2. In terms of compensation.
Even if Taiping Fuluwa is not protected by traditional Chinese medicine, there are many places to pay attention to. For example, serious illness does not include extra compensation. ......
At present, the products of critical illness insurance are poorly rolled up, and there are many products that pay extra for mild and moderate diseases. Don't say that the extra compensation for some serious diseases can be as high as 80% or even doubled. After comparison, there is still room for improvement in this respect.
Although Taiping Fuluwa contains 15 kinds of children's special diseases, it is very good to pay an extra 100% insurance before the age of 25. However, there is an age limit for this payment.
Generally speaking, senior sister still suggests that you shop around and choose the best.
Second, the truly cost-effective children's critical illness insurance is so long!
For the evaluation of Taiping Fuluwa, the seniors and sisters are not talking nonsense. It is also necessary to mention the new ranking of children's critical illness insurance-Fosun's Mommy Baby Newborn Edition, which not only covers a wide range of children with high incidence of critical illness, but also covers a relatively long period of time. Children's specific/rare disease protection has no time!
Senior, this will open your eyes. What is the cost-effective critical illness insurance for children and what does it look like?
1, the security content is super rich.
Mommy Baby Newborn Edition not only has a complete basic guarantee, but also has a number of optional responsibilities, including secondary compensation for malignant tumors, accidental medical care for children, and accidental hospitalization allowance for children vaccinated.
Among them, whether it is children's accidental medical treatment or children's accidental hospitalization allowance, there is an age limit before the age of 25. Even if Mommy Bao Bei Newborn Edition is a child's critical illness insurance, there is still such a guarantee of medical reimbursement, which is really for the people ~
However, the senior sister thinks that the most commendable thing is the new version of Mommy Baby's special disease protection for children, which guarantees 20 kinds of special diseases for children, and the compensation ratio is twice the basic insurance amount; Five rare diseases of children were written into the insurance content, and the compensation amount was 300% of the basic insurance amount.
According to the insured amount of 500,000 yuan, the compensation for special diseases of children diagnosed is 6,543.8+0,000 yuan, and the compensation for rare diseases of children diagnosed is 6,543.8+0.5 million yuan! Very practical ~
In addition, as far as insurance rules are concerned, Mommy Bao Bei is also more flexible than Fuluwa Taiping. The guarantee period is the optional guarantee period and the lifetime guarantee period respectively. Unlike Huibaobao, which can only guarantee a fixed term, we have better service in choice and meet many different security needs.
If you are interested, please click below for more product details:
Mommy Bao Bei's new version is coming back strongly, and it's still so beautiful! 》
2. Have loyal customer rights.
This new version of Mommy Bao Bei promises that only the insured age+insurance period ≤40, and there will be no accidents during the insurance period. When the contract expires, you can reduce the health notification and switch to other lifelong critical illness insurance under the company. There is no waiting period!
In this way, in the case of a small budget, parents can also give priority to large insurance, or they can buy regular critical illness insurance for their children for 20 or 30 years. In fact, when they want to apply for insurance again in the future, they will no longer worry about being refused insurance because of changes in their health status.
It can't be said that this right of Mommy Bao Bei Newborn Edition is humanized. Even if you buy it regularly, you don't have to worry about losing your child's protection in the future.
As parents, we can't accompany and protect our children for life, but insurance can help us achieve it. Of course, if you want to give your children more thoughtful protection, it is not enough to have critical illness insurance. Accident insurance and millions of medical insurance can not be ignored. Only when these are properly matched can we better transfer risks. Give everyone a super-comprehensive insurance strategy, and buying the right insurance is the real concern for children:
In-depth writing-how to buy insurance for children? The netizen shouted: How can I see it now?
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!