Halfway through February, let's update our children's insurance products.
Compared with the previous period, children's serious illness insurance has added Qingyunwei No. 1 of China Merchants Renhe and Harmonious and Healthy Joy Baby, and micro medical insurance has also added new options.
Ten steps to elaborate.
Compared with adult insurance, children's insurance faces a longer protection cycle, and the entire configuration process must be dynamic, not once and for all, and does not have to pay a large amount of money to buy insurance at one time.
The little ancestor will spend more days in the future, step by step.
First, how to buy insurance for children
Medical insurance is a must, focusing on solving the million medical insurance and accident medical insurance for serious illnesses, supplementing the lack of medical insurance, and solving the most feared risks.
Critical illness insurance is a subsidy protection after serious illness and disability, the baby is young, the price of insurance is very low, you can buy it early. Try to choose for life during the coverage period, which is lower than the price of the child to buy until the age of 30.
Life insurance, return-type serious illness insurance, and long-term accident insurance should not be touched, which will seize the premium budget of parents and make no sense.
Therefore, children's compulsory insurance is these three major items: million medical insurance, accident insurance, and serious illness insurance.
Overall plan for children's insurance
First, one million medical insurance and accident insurance, then major illness insurance, after a foundation, and then successively supplement the sum insured and protection items.
Before this, we must do the child's medical insurance first, otherwise the medical reimbursement is very bad, and many products will be halved.
List of the most recommended products at the moment:
The price range is quite large because there is a difference in age and coverage time.
Before the age of 10, the baby's medical insurance premiums are declining, the most expensive at the age of 0, more than 700 yuan, and then lower and lower, as long as 100 at the age of 10.
The longer the protection time and the higher the price of the major illness insurance, the same amount of insurance, the insurance period is about 600 yuan, and the lifetime insurance is 1800+.
The premium of accident insurance has nothing to do with age, the price is constant, and babies under 10 years old can only invest up to 200,000 yuan, which is only 68 yuan per year.
Therefore, the 0-year-old baby only needs about 1400 yuan per year to get a sufficient guarantee; the 10-year-old baby only needs about 1000 yuan.
Next, ten steps in order, talk about these products.
2. Children's million medical insurance
After several years of repeated science popularization, the functional characteristics of million medical insurance are clear to everyone. I recommend Privilege e-Life 2022, the originator of million medical insurance, very innovative, every year there are new protection launches, leading other products to follow. Exclusive e-Student 2022 Protection:
There are many benefits, which are suitable for children:
Rare disease drugs and consumables for minors: 30 special drugs for 15 rare diseases in children such as multiple sclerosis and Gaucher disease, up to 1 million yuan; and an insulin pump produced by Medtronic, which is dedicated to the treatment of type I diabetes, which is a consumable.
Increase in the number of special drugs outside cancer hospitals: from 85 to 102, including 1.2 million doses of CAR-T drugs Yikaida and Benoda, which cannot be used more than once a year.
The above is the main content of the increase in the mandatory guarantee, and the early screening of cancer has also been added to the accompanying service. In the optional benefit, cancer treatment in Japan can be considered, which is the advantage of Japanese medical treatment.
Other product recommendations: If you pay great attention to the long-term renewal of millions of medical insurance, you can consider PICC's ironclad insurance, or Pacific Medical's worry-free, guaranteed 20-year renewal.
But the baby does not need to configure long-term medical insurance too early, she just has more time commitments that can still be renewed when the sale is stopped, which is more suitable for people over 40 years old.
3. Children's accident insurance
Accident insurance is the first choice for Ping An Little Naughty Boy 2021, and its advantages I have talked about many times: unlimited medical insurance coverage, accidental hospitalization and outpatient treatment can be 100% reimbursed, there is no deductible.
Moreover, the little naughty boy's online claim settlement is very convenient, and it has been the product that I have assisted in settling claims the most in the past three years.
The minimum is 68 yuan per year, which is very good value for money.
4. Children's serious illness insurance
At present, four Internet children's serious illness insurance has been launched: Hornet No. 6, Qingyunwei No. 1, Dumbo and Joy Baby.
The most recommended are Bumblebee 6 and Qingyunwei 1:
Bumblebee 6:
The benefits for severe, mild and minor illnesses are balanced, with an additional 50% of the sum insured for 30 years prior to the long coverage period.
The child-specific benefit is divided into 20 specific diseases and 10 rare diseases, both of which can be paid once, and there is no age limit.
For 20 specific diseases, an additional sum insured of 150% (for life) will be paid for 30 years before the policy is insured, and an additional 100% of the sum insured will be paid thereafter, and an additional 200% of the sum insured will be paid for 10 rare diseases.
For example, if bumblebee No. 6 is insured for 500,000 yuan, the additional 150% of the sum insured is to add 1.25 million to the loss.
However, there are two points to note:
1, Bumblebee No. 6 has no loyal user rights, insurance for 30 years regular words should pay attention to, after the end of the protection period to insure other serious illness insurance, to re-do health information.
2, Bumblebee No. 6's secondary cancer prevention is not very good, the first serious illness is not cancer, the guarantee is over.
Qingyunwei No.1:
In all aspects of protection, Qingyunwei is an upgraded version of Hornet 6, especially the protection of mild and medium diseases is particularly good, which is reflected in two points:
1. In the first 30 years of insurance, the additional compensation for moderate illness is 20% of the sum insured, and the additional compensation for minor illness is 10% of the sum insured;
2. After 90 days of major illness claims, moderate and mild illnesses of different groups from the serious illness can continue to be claimed (if the number of claims is not completed).
Qingyunwei's secondary cancer prevention and secondary serious disease must be selected at the same time, which also avoids the problem of secondary cancer prevention of Bumblebee 6.
Of course, the price of Qingyunwei is also a little higher, and everyone chooses as appropriate.
5. Micro medical insurance
Small medical insurance is not mandatory, the problem solved is relatively small, and the general family can bear it themselves, so it is not put in the recommended list.
In some cases, such as the baby's cold and cough, acute gastroenteritis, etc., million medical insurance has a deductible of 10,000 and cannot be reimbursed; accidental medical insurance does not matter, at this time, small medical insurance is quite practical.
Three products are recommended for families in need:
ZhongAn Hospital Insurance 2022:
Inpatient and accidental outpatient treatment can be reimbursed, unlimited medical insurance coverage, 0 deductible, after medical insurance at 80% reimbursement, without medical insurance at 60% reimbursement.
One more hospitalization allowance for major surgeries than the other two products.
There are treasures in the peaceful family:
The same is the inpatient and medical outpatient reimbursement, the scope is narrower than ZhongAn inpatient insurance, and only self-paid drug reimbursement is available outside the medical insurance.
The advantages of the refueling baby are the high amount of hospital insurance (60,000), the high reimbursement ratio, the short waiting period, and the general hospitalization also has a subsidy.
Huatai Nuanbaobao Super Edition:
Inpatient medical coverage is average, with up to 30% reimbursement for out-of-pocket medications.
The biggest feature is that there are more outpatient reimbursements for diseases, colds and fevers, and these medical treatments that are not hospitalized can be reimbursed 100% after deducting the deductible of 100 yuan each time (7 days).
My advice:
Under 4 years old, the first choice of home has a baby, the price is low, only 345 yuan / year, the reimbursement ratio is high, although only reimbursement of self-funded drugs, but also enough.
With a good budget, the second person considers warm treasure and supplements the disease clinic.
Children of this age are prone to fever and cold, after medical insurance reimbursement, each time (7 days of medical calculation 1 time) outpatient expenses deduct 100 yuan deductible, can be 100% reimbursement.
Over 4 years old, ZhongAn Hospital Insurance 2022 is preferred, the price is low, the reimbursement scope is wider, in addition to self-funded drugs, self-funded diagnosis and treatment projects and medical facilities can also be reimbursed.
The amount of inpatient insurance and reimbursement is slightly lower, but it is used in combination with million medical insurance, and the cost of 10,000 is enough.
Sixth, summarize the ha
Children's insurance configuration, priority is given to millions of medical insurance, followed by accident insurance, and finally major illness insurance.
When applying for insurance, pay attention to the health notice of major illness insurance, medical insurance, and accident insurance restrictions on medical institutions in some areas.
Children's protection cycle is very long, do not rush to complete the one-time match, but constantly replenish the amount of major illness insurance.
Well, the february children's insurance recommendation is these, if there are any questions, you can leave me a message!