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Zhang Miao Insurance Studio: 2022, children's serious illness insurance preferred Hornet No. 6 analysis and complete child protection system combing!
In the field of children's serious illness insurance, there has been no shortage of excellent cost-effective products, such as "Mommy Baobei", one of the ace players whose product fame is greater than the fame of insurance companies; such as "Apollo No. 1" of Kunlun Health Insurance, which has a first-class comprehensive cost performance; such as Beijing Life's Bumblebee No. 5, which became No.1 as soon as it was listed last year.
Unfortunately, at the end of last year, due to the new regulations on Internet insurance regulations, Hornet No. 5 stopped selling. At a time when practitioners and consumers are at a loss, in 2022, Beijing Life lived up to expectations and launched Bumblebee 6. This also provides new and excellent options for more people with children's critical illness insurance needs.
Today, I will take you to analyze the ace product in the children's serious illness insurance market.
directory
01 Bumblebee Form 6
02 Bumblebee 6 comparison
03 Beijing Life Insurance
04 Sorting out the child security system (important)
05 Product Details
06 Conclusion
1. Flexible form
Bumblebee 6 continues the flexible morphology of Bumblebee 5.
(1) Guarantee period: you can freely choose to guarantee for 30 years, or until the age of 70 / lifetime;
(2) Form: You can still choose pure serious illness coverage, or pay responsibility for death;
0-year-old girl, insured for 30 years, pure serious illness coverage, 500,000 sum insured, the annual premium is only 658 yuan.
Flexible form is also what the author values more, because flexible form means that more consumer groups can meet different needs.
2. Additional compensation for serious illness
The Critical Illness Additional Benefit is standard in these years of critical illness insurance products, which can further expand the protection leverage. Bumblebee 6:
(1) For 30 years, for the first 10 years, an additional 50% of the sum insured will be paid for the first serious illness;
(2) Up to age 70/lifetime, with an additional 50% sum insured for the first major illness in the first 30 years.
0-year-old girl, insured for 30 years, pure serious illness coverage, 500,000 sum insured, annual premium of 658 yuan;
In fact, in the first 10 years, the amount of major illness insurance was 750,000.
3. Additional benefits for specific serious illnesses
Additional compensation for specific serious illnesses is also the "standard" liability in children's critical illness insurance products in recent years, that is, for some serious illnesses with high incidence of children, an additional proportion can be paid. Bumblebee 6:
(1) For 30 years, an additional 100% of the sum insured is paid for specific serious illnesses;
(2) Until age 70/lifetime, for the first 30 years, an additional 150% of the sum insured will be paid for specific critical illnesses, and 100% of the sum insured for specific critical illnesses after 30 years;
In addition to 20 specific serious illnesses, Bumblebee 6 also has 10 rare major illnesses that can be covered with an additional 200% of the sum insured:
4. Optional liability: multiple payments for serious illnesses
Bumblebee 6 itself is a single-time compensation product for serious illness; it can change the form into a major illness multiple-pay product by selecting the liability for multiple payments for serious illness.
And it is not divided into multiple payments, a total of 4 times can be paid, according to 100%, 120%, 130%, 150% of the sum insured in increments; each interval of 1 year.
5. Optional responsibility: malignant tumor - severe care fund
It is also the "standard" responsibility in the major illness insurance products, that is, the diagnosis of malignant tumors - severe, after a 3-year interval, the recurrence of malignant tumors - severe (new, recurrence, metastasis, continuation), you can continue to pay 100% of the sum insured.
6. Optional responsibility: death/high disability fee
If you choose, death before the age of 18/high disability, the premium paid and the cash value are larger; death/high disability after the age of 18 can pay the sum insured;
However, the author does not recommend that you choose this responsibility, because if you choose, the premium will rise a lot;
And even if this responsibility is chosen, death before the age of 18/high disability is not reimbursable (paying the premium paid and the current price is larger);
The most important thing is that the death benefit liability or life insurance liability, life insurance is designed at the beginning of the design for the family income pillar, that is, after the family loses the income pillar, the life insurance compensation a high amount of death money to the family, so that other family members can live normally.
Children do not earn money, and the purpose of life insurance is not designed for children.
7. Optional responsibility: Hospitalization allowance for serious illness
This is the only difference between Bumblebee 6 and Bumblebee 5 – Bumblebee 6 adds responsibility for hospitalization allowance for serious illnesses.
(1) Insurance for 30 years, serious illness hospitalization allowance is a mandatory responsibility, deductible for 3 days, pay 200 yuan allowance per day, the same hospitalization is limited to 30 days, 90 days per year, and the cumulative insurance amount is limited to 60,000 yuan;
(2) Insured to 70 years old / lifetime, the hospitalization allowance for serious illness is an optional responsibility, deducted for 3 days, 300 yuan allowance per day, the same hospitalization is limited to 30 days, 90 days per year, and the cumulative sum insured is limited to 90,000 yuan;
Simple rate comparison, the gap is also minimal.
OK, the same product of Beijing Life, Bumblebee No. 6 is basically a copy and paste of Bumblebee No. 5, but the responsibility for hospitalization allowance for serious illness is increased. The premium gap between the two is also negligible.
In 2014, the Beijing Municipal Government established the Leading Group for Deepening the Reform of New Urbanization Construction, which set up Beijing Life Insurance as one of the key measures to serve the construction of the social security system in the process of new urbanization. Therefore, the original intention of The establishment of Beijing Life is to focus on the new type of urbanization, give play to the core function of insurance protection, and solve the social security problems such as pension and medical care for urban and rural residents in Beijing, so as to make exploration and contributions to narrowing the gap between urban and rural insurance security services and fully meeting the security needs of urban and rural residents.
Major Shareholders of Beijing Life:
It can be said that Beijing Life, as a key unit of the Beijing Municipal Government, is also a state-owned enterprise with roots in Miao Hong.
Beijing Life's latest repayment ratio is 179%, and the latest risk rating is A (China Insurance Industry Association Summary).
In the face of a wide range of insurance products, we consumers must sort out a clear idea when choosing. We need to remember that insurance companies and products are secondary, the most important thing is our own needs, and it is very helpful to clarify the insurance thinking and remember this sentence: "Different types of insurance, solve different problems".
Critical illness insurance: it solves the problem of suffering from [major diseases] and paying the amount of insurance; the essence is family income compensation;
Life insurance: it solves the problem of "death" and the amount of insurance; the essence is family income compensation;
Hospitalization medical insurance: it solves the problem of medical expenses incurred by [hospitalization] and reimbursement;
Accident insurance: it solves the problem of high compensation for death and disability caused by "accident" and the reimbursement of medical expenses caused by "accident";
The child's protection system is mainly based on accident insurance, hospitalization medical insurance, and serious illness insurance.
We can focus on Beijing Life's Bumblebee No. 6 for critical illness insurance; next, I also recommend several accident insurance and hospitalization medical insurance for our consumers to choose from.
1. Children's accident insurance
1. Ping An of China
Ping An's Little Naughty Child Accident Insurance has always been one of the representative products in the children's accident insurance market. The cost is low, the insurance amount is high, and the overall cost performance of the product is first-class. Especially the [flash compensation] service, the author's personal experience is very good, after handling several claims of small naughty children, the whole process is more convenient, and basically submitted in the morning, the afternoon compensation is in place.
2. Meiya Baby Worry-free Accident Insurance
If Ping An Little Naughty Boy is a popular product, then Meiya's Baby Worry-free is a high-end product. It can be seen that the product can cover the special needs department of public hospitals, as well as private hospitals.
Private hospitals: including the well-known Beijing United Family Hospital, Beijing New Century Women's and Children's Hospital, Beijing US-China Yihe Women's and Children's Hospital, Peking University International Hospital, Shanghai Jiahui International Hospital, Guangzhou Jiamei Medical Center and other private hospitals are covered, and do not distinguish between expensive hospitals and non-expensive private hospitals.
For consumer groups with higher medical requirements, Meiya's baby worry-free must be the first choice.
2. Children's hospitalization medical insurance
At present, the more popular medical insurance in the industry is the million medical insurance with a deductible of 10,000. The more representative products include Ping An of China's e-life insurance, Chinese health insurance long-term medical care, ZhongAn's exclusive e-life, Pacific's medical carefree and so on.
From the perspective of the frequency and probability of children's hospitalization, the author recommends that our consumers give priority to 0 deductible hospitalization medical insurance, which will greatly improve its practicality and applicability.
Millions of medical insurance products in the insurance industry with zero deductibles and children can be insured separately are still relatively rare. AXA Insurance's Excellent Choice is definitely the industry's first choice. The floor price and protection responsibility of similar products are also relatively rich, including general inpatient medical treatment, serious illness inpatient medical treatment, critical illness hospitalization allowance, critical illness insurance premium, and malignant tumor out-of-hospital special drug insurance premium.
The product as 0 deductible million medical insurance, the regular version of the plan four 1.5 million general medical + 1.5 million critical illness medical:
Children aged 0-7 years old, only 1018 yuan per year;
8-18 years old, the annual payment is only 443 yuan.
However, the product has a deductible of 0 and children are insured separately and are only open until January 31, 2022. Therefore, there is a demand, must be timely insurance. Remember.
The author suggests that we consumers must put hospitalization medical insurance in the first place.
Finally, let's take a look at the product details of the above-mentioned serious illness insurance, accident insurance, and hospitalization medical insurance, and you can enter the product link to understand the details for follow-up operations.
Go to the link to learn more about each product:
Bumblebee No. 6, as the first newly listed cost-effective children's critical illness insurance in 2022, is still recognized and favored by the consumer market.
Product liability is basically the same as Bumblebee 5, except that a "major illness hospitalization allowance" responsibility is added; it is still excellent in terms of flexibility, additional benefits for major illnesses, additional benefits for high-incidence serious illnesses in children, and multiple benefits for major illnesses.
At present, the product only has the intelligent underwriting function opened, and the manual underwriting function will be opened in the future. For friends who have medical history records and intelligent underwriting and cannot pass, you can wait for the author's follow-up notice to carry out manual underwriting.
Moreover, while matching the serious illness insurance, we must also protect the hospitalization medical insurance and accident insurance at the same time.
Above, about the insurance aspect, what do you need to analyze in detail, you can consult with the author of private messages.
Buy insurance, but also buy the right insurance;
Zhang Miao, a person who helps you buy the right insurance.