Buy insurance for children, which is better, 20 17 critical illness insurance?

After reading so many kinds of products, Zhu Baojun introduced several cost-effective products for everyone!

1, Fosun and Mommy Bao Bei.

The guarantee period is flexible, ranging from 20/25/30 years to 70/80 years/life. People who like long-term or short-term protection can apply for insurance.

The basic guarantee is very comprehensive, covering three situations: light, medium and heavy.

Insure 18 kinds of special diseases, and pay 100% of the insured amount, that is, 500,000; Five rare diseases, with 200% coverage of 654.38+0 million. It is worth mentioning that there is no age limit for high-risk and serious illness compensation.

Compared with other products, Mommy Bao Bei's premium is lower, and it can be paid for many times. These two points have advantages for children's critical illness insurance.

2, love happy little baby

Happy Baby is a newly launched critical illness insurance for children, which was launched by Aisheng in May this year.

Compared with other products, the premium difference is not very big and it is cheaper.

At the same time, the protection of this product is relatively comprehensive, especially in 10 years before the policy. If you are seriously ill, you can pay an additional 50% of the basic insurance amount.

Furthermore, the serious illness of this product can be paid for 3 times without grouping. If you don't pay for critical illness insurance multiple times in groups, the probability of multiple payments is the highest.

3, the patron saint of love

Patron saint is a kind of children's critical illness insurance introduced by Aisheng, which pays for many times without grouping.

Its guarantee period is flexible and can last for 20/30 years or 25/30/60 years/life.

At the same time, the coverage is comprehensive, covering mild, moderate and severe diseases, and special and rare diseases can be added.

However, it should be noted that the protection for children with special diseases and rare diseases is only effective before the age of 25.

In this respect, Fosun Mommy Bao Bei has an advantage, and there is no time limit for the protection of children's special diseases and rare diseases.

4. Hengqin Family PayPal

Garbo's warranty period is more flexible, and its waiting period is shorter than the other four products, only 90 days.

Moreover, this product can pay multiple times for serious illness, further enhancing the protection of serious illness.

If you are unfortunate enough to suffer from heavy illness 10 /20 years before the insurance policy, you can get an additional 60% compensation.

Suppose you were out of danger 10 years before the insurance policy, and suffered from a rare child disease before the age of 20, and the final coverage was as high as 360%.

However, this product is similar to the patron saint of love in the protection of children's special diseases, and there is a time limit. Hengqin Jiabao's special disease protection time for children is only valid before the age of 20.

5. ruitai Sunshine Insurance Beyond Edition

There are 22 kinds of special diseases in sunny days, and the compensation amount is basically 2-3 times, regardless of age. The highlight of this product is that its critical illness insurance coverage increases by 20% every two years, up to 200%.

In other words, if you buy 500,000 yuan, the maximum price can rise to 6,543.8+0,000 yuan, and the premium will remain unchanged.

In addition, in the first six years of the policy, before the age of 30, if the product suffers from special diseases, the insurance company will pay 200% of the basic insurance amount.

Zhu Baojun concluded that for children's critical illness insurance, each product has different specific diseases and compensation amounts for children, and the situation of each child and family is also very different.

Only by choosing suitable critical illness insurance for children and families can we play the role of "protective umbrella" at critical times.