An anonymous illustrator sister
I haven't written about children's serious illness insurance for a long time, and recently Beijing Life's Hornet No. 5 is very hot, and mommy Baobei, who was originally the king of children's serious illness cost performance, was scared to hurry up and add the maximum insurance amount of 800,000 yuan and the 30-year payment period back...
What is this Bumblebee? Let's talk today.
In other words, did the name "Bumblebee" ever shine? Everyone likes to use it so much, the previous hundred years of online sales serious disease is also this name, this is to rub the heat of Universal Studios? [Dog Head]
Anyway, in fact, the name of the term is called: Jingkang Baby, regular and lifetime corresponding to A and B respectively. Don't think that the contract is wrong, Jingkang baby is bumblebee Ben BeeHa.
No.1 Insurance Rules
Since it is a serious illness of a child, the insurance age is fixed at 0-17 years old.
This is also a regular, lifelong serious illness product for children, which is more in line with the current public aesthetic standards of such products.
Coverage period: 30 years / until 70 years old / lifetime
The maximum amount of coverage is 700,000, and the waiting period is 180 days.
No.2 Basic Responsibilities
Critical illness pays an additional 50% of the sum insured, which is very conspicuous in the form of low premiums and cost-effective products such as children's critical illness insurance.
Equivalent to buying a 30-year term, an additional 10-year serious illness liability is given. For those who are insured until the age of 70 or for life, a 30-year period of serious illness liability is granted.
So affordable!
In terms of child-specific diseases, Bumblebee 5 has no age limit for claims for children's diseases, including:
20 specific illness benefits, an additional 100% basic sum assured until age 70 or lifetime, and 150% of the basic sum insured for the first 30 years.
10 rare diseases are covered with an additional 200% of the basic sum insured.
Here's an example:
If you insure 500,000 bumblebee No. 5 at the age of 0, the high incidence of leukemia in children can be compensated up to 1.25 million. Rare diseases such as infantile progressive spinal muscular atrophy are eligible for $1.5 million.
For the families of children, the high compensation for specific diseases and rare diseases of children's diseases can greatly alleviate the economic pressure of the family, allowing parents to free up more time to care for the child, without having to worry about delaying the treatment of the child because of the loss of family income, so that the major illness insurance can play the basic responsibility as a type of income loss insurance
No.3 Optional Liability
Death liability is optional and is friendly to customers who want the ultimate value for money.
Critical illness can be extended to 3 payouts through optional liability, and each time the sum insured is increased, not grouped, and the interval is 1 year.
For customers who are more concerned about cancer, this malignancy - severe care payment can increase the benefit of an additional 100% of the sum insured. For a 3-year interval, claims are available for new, recurrent, transferable, and ongoing statuses.
The insured may also attach exemptions, mild, moderate and severe illnesses, and may be considered if the parents are in good health.
No.4 Comparison of competitors
Click to see the larger picture for a clearer picture
Having said all this, I can't say it without comparing it with Mommy Baobei.
From the perspective of protection responsibility, Bumblebee 5 has 5 more rare diseases, more compensation for overall serious illness, and after the optional liability is added, the amount of multiple compensation for serious illness is also higher.
From the perspective of rates, in terms of the rate comparison of basic liability excluding death, Bumblebee 5's rate at all ages is cheaper than Thatmy Baobei. If it includes death responsibility, it will be more expensive than Mommy Baobei, but the protection responsibility is better.
No.5 Introduction of Baoshi
Regarding Beijing Life, it is a national life insurance company established in 2018. Registered in Beijing, the registered capital is 2.86 billion yuan.
Since you dare to call Beijing Life Insurance, I believe you can also guess that the list of shareholders includes many outstanding state-owned enterprises, collective enterprises and private enterprises in various fields in Beijing, including Beijing Shunxin Holding Group Co., Ltd., Beijing Supply and Marketing Cooperatives Investment Management Center, Beijing Hanjian Group Co., Ltd., Huaxin Century Investment Group Co., Ltd., and Beijing Caoqiao Industrial Corporation.
Well, about the serious illness of children, there are good new options, I don't know if it is more in line with your needs? (Private message me, check the rate of Bumblebee 5)
I'm Irene, who loves hairy crabs, and we'll talk about it next time.