Mommy Baobei Critical Illness Insurance is one of the most concerned children's serious illness insurance on the market in the past two years, and Little Brother has been evaluated many times before, but on January 31, 2021, it was removed with the old definition of major illness insurance.
Recently found that the revival of United Health Company has been on the 2021 new version, today Little Brother to evaluate how this product is?
First, let's take a look at the content of the guarantee
(See figure below for liability for protection)
To insure children with serious illness insurance, the most important thing is the protection content, premium cost performance, today's little brother picked to focus on where the characteristics of this product are.
1. Comprehensive protection for serious illnesses
Mommy Baobei's new version 2021 covers 110 kinds of serious diseases, 25 kinds of moderate diseases, and 51 kinds of mild diseases, with 100%, 50% and 30% of the sum insured respectively, covering a wide range.
2. Additional compensation for children with high incidence of diseases
Why did Little Brother advise parents sometimes not necessarily to choose the same major illness insurance for their children and adults, because many insurance companies on the market cover all ages when designing major illness insurance, but they have not achieved personalized customization.
This Mommy Baobei newborn version of 2021 can pay an additional 1 times the sum insured when some diseases with high incidence of children, such as leukemia, severe hand-foot-and-mouth disease, etc.
Let's draw another key point, Mommy Baobei Newborn Edition 2021 Children's Specific Disease Double Sum Insured Is Not Limited to Age Groups, even if leukemia unfortunately occurs after the age of 18, it is also a double sum insured, see how many products around can do this.
3. Secondary compensation for malignant tumors
Today, Little Brother looked at the latest "2019 National Cancer Report" released by the National Cancer Center, and malignant tumor deaths accounted for 23.91% of all deaths of residents, and cancer is prone to recurrence and metastasis.
Therefore, when The New Edition of Mommy Baobei 2021 is upgraded on the basis of the old model, you can choose the second malignant tumor compensation, which is to be praised by the little brother.
4. Other features
Mommy Baobei New Edition 2021 also includes children's accident medical insurance (insured amount of 10,000 yuan), loyal customer rights. I think that they are all characteristics of the product, not counting the key points considered when choosing major illness insurance, so I will not go into detail.
Second, Mommy Baobei's new version 2021 and the discontinued Mommy Baobei comparison
(See figure below)
1. First look at the type of disease protection
It should be said that the details of the new version of Mommy Baobei 2021 have added more types of diseases and mild diseases in children, and there are currently 0 and 51 kinds of diseases respectively. This is an increase from the previous 18 and 40 species.
2. Compare the guarantee responsibilities
The most important thing is to increase the second malignant tumor compensation of 100% of the sum insured, the interval of 3 years of protection responsibility; after all, the incidence of cancer is too high, increase this responsibility, it will be more protection for the child.
3. Optional death benefit amount
When insuring children for serious illness insurance, the principle suggested by Little Brother is to focus on consumer-oriented serious illness, that is to say, to insure children to spend as little money as possible to buy a higher amount of major illness insurance.
However, some parents have their own considerations and hope that the return type of serious illness insurance is more suitable. At this time, the advantages of Mommy Baobei's new version of 2021 are obvious, because it can freely choose whether to include "death protection".
The difference between choosing or not choosing death protection is still relatively large, one is mainly reflected in 3 aspects, taking the new version of the 5-year-old child insured by mommy Baobei as an example (20 years of payment, protection for life, serious illness compensation 2 times), see the figure below.
(1) Premium
The new version of Mommy Baobei with death insurance will be 900 yuan higher, which is 25% more expensive than the pure consumption plan
(2) Protection
If the child dies at the age of 75 and has not claimed the major illness insurance before, the new version of Mommy Baobei with the death insurance amount can still get 500,000 insurance premiums, but excluding death, you can only get back the cash value of 220,000.
Third, how cost-effective is the new version of Mommy Baobei
Finally, the next premium, to 0-year-old baby, insured 500,000 sum insured, excluding death insurance, according to 30 years of payment as an example, the annual premium is only 2590 yuan.
Compared with the discontinued Mommy Baobei critical illness insurance of 2530 yuan per year, although the premium is 60 yuan more expensive, it also has a second malignant tumor compensation, so the cost performance is still very high.
Little Brother talks about insurance in the big vernacular and teaches you not to spend money unjustly.