Now the children's critical illness insurance can no longer be rolled, the protection responsibility is constantly escalating, the premium is getting better and better, and the fight is hot, so that parents are dazzled! In fact, there is no 100% perfect children's critical illness insurance, like Tsinghua and Peking University, they are already excellent, no matter which one you choose, there are its remarkable points. After all, there are ten thousand Hamlets in the eyes of ten thousand people.

Let's take a look at these three children's critical illness insurances:

3 children's critical illness insurance PK: Little Qinglong, Bumblebee No. 7, Qingyunwei No. 2

1. Basic Responsibility

Critical illness protection: 1 time of compensation, Qingyunwei 2 pays 100% of the sum insured, if you choose to insure for life, Bumblebee 7 and Little Qinglong pay 160% of the sum insured in the first 30 years, and 100% of the sum insured after 30 years, Qingyunwei 2 is slightly inferior.

Mild and moderate disease protection: the compensation ratio is the same, Qingyunwei No. 2 medium disease 2 times + mild disease 5 times, Bumblebee 7 and Little Qinglong a total of 6 times, but Bumblebee No. 7 is 6 times of medium and mild disease, and the compensation is more humane.

Children's special diseases: all 20 types, if guaranteed for life, Qingyunwei 2 and Xiaoqinglong additional 120% insured, Bumblebee 7 in the first 30 years of additional 150% insured, 30 years after 100% insured, better compensation; If it is guaranteed for 30 years, Xiaoqinglong's additional 100% insured amount is more advantageous.

Rare diseases: all 10 types, extra 200%.

Compensation for moderate and mild diseases after critical illness compensation: all three can be paid, Little Qinglong is the responsibility for medium and mild diseases, Hornet No. 7 and Qingyunwei No. 2 are paid once each for medium and mild diseases, and Little Qinglong is better.

Premium: Tsing Yunwei 2 is a little more expensive than Bumblebee 7 and Little Qinglong because Tsing Yunwei 2 is tied to the responsibility of paying premiums for death.

2. Basic responsibility + Qingyunwei No. 2 optional disease care fund

Qingyunwei 2's basic responsibility + optional disease care fund is almost equal to the basic responsibility of Bumblebee 7 and Little Qinglong, maybe Qingyunwei 2 wants to give us more choices.

After the Qingyunwei No. 2 additional disease care fund, the first diagnosis of critical illness/moderate/mild disease before the age of 60 will pay an additional 60%/20%/10% of the sum insured, and the compensation for critical illness and mild illness will be better.

However, Qingyunwei 2 is still not as insured as Hornet 7 in the first 30 years of specific disease compensation, and after Qingyunwei 2 attaches the disease care payment, the premium is much more expensive than that of Hornet 7 and Little Qinglong.

3. Basic responsibility + Qingyunwei No. 2 optional disease care fund + optional critical illness multiple times + optional malignant tumor many times

Since the two responsibilities of Qingyunwei 2 are bundled together, we put them together to analyze. All three are 120% paid, with a 1-year interval between the second phase of critical illness, and an interval of 180 days (the previous non-malignant tumor) or 3 years (the previous malignant tumor).

The total number of critical illness claims after Qingyunwei 2 additional critical illness is 2, and the total number of critical illness claims after the addition of Bumblebee 7 and Little Qinglong is 4;

In addition, the second malignant tumor and the second critical illness of Qingyunwei 2 can be superimposed compensation, if the first diagnosis of non-malignant tumor, 1 year later and then diagnosed with malignant tumor, then the second malignant tumor and the second critical illness of 120% of the respective insurance amount can be superimposed, a total of 240% of the sum insured, but if it is not a non-cancer-cancer situation, the insurance amount of Bumblebee 7 will be better.

For example: the baby is 1 year old, and at the same time insured Qingyunwei No. 2 and Bumblebee No. 7, guaranteed for life, 500,000 insured, basic responsibility + Qingyunwei No. 2 optional disease care fund + optional critical illness multiple times + optional malignant tumor many times.

The baby was 3 years old, unfortunately suffering from severe Kawasaki disease, which was high in children, and the treatment was smooth, and by the age of 5, he unfortunately suffered from malignant tumors. How much can a baby get from Tsing Yunwei 2 and Bumblebee 7?

Qingyunwei No. 2: 160% of the insurance amount before the age of 60 for the first critical illness is 800,000, and an additional 120% of the insurance amount for children's specific diseases is 600,000, that is, a total of 1.4 million yuan is compensated for the first critical illness; The second is malignant tumors, which can receive 240% of the sum insured, that is, 1.2 million; A total of 2.6 million yuan was paid on both occasions;
Bumblebee No. 7: 160% of the insured amount is 800,000 yuan for the first critical illness 30 years ago, and the additional 150% insured amount for children's specific diseases is 750,000, that is, a total of 1.55 million is compensated for the first critical illness; The second malignant tumor is compensated 120% of the sum insured, which is 600,000. A total of 2.15 million was compensated on both occasions.

The first critical illness Hornet No. 7 received 150,000 more compensation than Qingyunwei 2;

The second serious illness Qingyunwei 2 received 600,000 more compensation than the Hornet 7.

The total payout of the two times is 450,000 higher than that of Hornet 7.

Of course, the extra compensation of Qingyunwei 2 is based on the premise of the first non-malignant tumor + the second malignant tumor, if only the first non-malignant tumor or the first malignant tumor + the second non-malignant tumor and other situations, Bumblebee 7 will be more compensated than Qingyunwei 2, and the premium Bumblebee 7 is cheaper than Qingyunwei 2.

Like what:

The baby was 3 years old, unfortunately suffering from a high incidence of brain malignant tumors in children, and the treatment went smoothly, and by the age of 5, he unfortunately suffered from severe Kawasaki disease. How much can a baby get from Tsing Yunwei 2 and Bumblebee 7?

Qingyunwei No. 2: 160% of the insurance amount before the age of 60 for the first critical illness is 800,000, and an additional 120% of the insurance amount for children's specific diseases is 600,000, that is, a total of 1.4 million yuan is compensated for the first critical illness; The second time is a non-malignant tumor, which can receive 120% of the sum insured, that is, 600,000; A total of 2 million yuan was compensated twice;
Bumblebee No. 7: 160% of the insured amount is 800,000 yuan for the first critical illness 30 years ago, and the additional 150% insured amount for children's specific diseases is 750,000, that is, a total of 1.55 million is compensated for the first critical illness; For the second non-malignant tumor, you can get 120% of the sum insured, which is 600,000. A total of 2.15 million was compensated on both occasions.

The first critical illness Hornet No. 7 received 150,000 more compensation than Qingyunwei 2;

The second serious illness Qingyunwei 2 has as many as Hornet 7.

The total payout of the two times is 150,000 higher than that of Hornet 7.

4. Other optional responsibilities

The hospitalization allowance is based on individual needs, and this optional liability is not the main focus of critical illness insurance. Pay attention to the difference between each hospitalization allowance, intensive care, critical illness hospitalization or general hospitalization.

The 3 exemptions for the insured are the same and can be attached.

In addition to Qingyunwei 2, Qingyunwei 2 is to choose between "paying premiums paid" and "insured amount", and whether Bumblebee 7 and Xiaoqinglong check or not check "insured amount".

5. Value-added services

These three children's critical illnesses can provide green passes for critical illnesses.

Xiaoqinglong's critical illness services cover pre-diagnosis, diagnosis and post-diagnosis, critical illness outpatient and inpatient green pass, MDT multidisciplinary consultation for critical illness, psychological counseling for critical illness, post-hospital care guidance for critical illness, etc. Especially for the high incidence of leukemia in children, Junlong Life cooperates with Lu Daopei Medical to integrate top leukemia experts and resources at home and abroad to help children with leukemia patients accurately detect and treat them.

It should be noted that the number of years of the green pass for serious illness, Qingyunwei 2 is 3 years, Bumblebee No. 7 and Little Qinglong are within the validity period of the policy, Qingyunwei No. 2 is not very friendly.

VI. Summary

In terms of premiums, whether it is a 30-year version or a lifetime version, the premium of Hornet 7 is relatively low, and the sum insured is relatively higher; The main advantage of Qingyunwei 2 is that the compensation time outside the critical illness care amount is extended to 60 years old; Xiaoqinglong has a very outstanding advantage in the 30-year version.

In short, the 3 children's critical illness insurance are all ranked top serious diseases, no matter which one to buy, it is very good, each has its own advantages, just like Tsinghua and Peking University, it is already very good!

Of course, I also want to remind all parents that when allocating critical illness insurance for their children, do not neglect to strengthen their own protection, after all, parents are the biggest reliance of their children!

3 children's critical illness insurance PK: Little Qinglong, Bumblebee No. 7, Qingyunwei No. 2