Recently, many mothers have come to consult my baby's critical illness insurance, asking me which products are worth buying and whether there is a product list
Just did the comparison evaluation of the latest products and shared it with you
At present, baby critical illness insurance, the more recommended are these 3 models
.
1. Little Naughty No. 2
⭐ Basic guarantees
Critical illness: 1 time 100% of the sum insured
Medium disease: 3 times without grouping, 60% of the sum insured each time
Mild illness: 4 times are not paid in groups, 30% of the sum insured each time
Specific diseases in children: 20 cases, 1 time, 120%; Children's rare diseases: 20 kinds, 1 time, 200%
Summary of highlights
After the serious illness is paid, the minor disease diagnosed in the same group can also be compensated
With ICU hospitalization allowance, non-mild, medium and severe illnesses can also be compensated, and the claim threshold is low
Family Care Benefit: death before the age of 18 / total disability, premium paid / 20% of the basic sum insured; 100% of the basic sum insured for death / total disability between the ages of 18 and 30. Critical illness and death are covered separately
Hospitalization allowance after critical illness: From the date of the first diagnosis of critical illness, hospitalization due to illness/accident will be paid 300 yuan per day, up to a maximum of 300 days
.
2. Little Green Dragon No. 2
⭐ Basic guarantees
Critical illness: 3 times of compensation, 100%/120%/120% of the sum insured in turn
Moderate disease: 60% of the sum insured each time, mild and moderate disease shared 6 times
Minor illness: 30% of the sum insured each time
Specific diseases in children: 20 cases, 1 time, 220%; Children's rare diseases: 16 kinds, 1 time, 300%
Summary of highlights
Critical illness can be paid up to 3 times, regardless of grouping, and the compensation ratio is 100%, 120% and 120% of the sum insured respectively
Multiple coverage for cancer and critical illness can be superimposed
After 90 days of critical illness claims, non-homogeneous mild and moderate illnesses will continue to be covered
Mild / moderate illness, a total of 6 times can be compensated
There are a wide range of optional benefits, including sickness benefit, malignant tumor-severe secondary benefit, hospitalization allowance, and death/total disability insurance benefits
.
3. Bumblebee 9
⭐ Basic guarantees
Critical illness: 1 time 100% of the sum insured
Medium disease: 3 times without grouping, 60% of the sum insured each time
Mild illness: 3 times without grouping, 30% of the sum insured each time
Specific diseases for children: 20 cases, 1 time, 200%; Children's rare diseases: 20 kinds, 1 time, 300%
Summary of highlights
After the critical illness is paid, the non-homogeneous mild and moderate diseases can be covered up to 3 times
Additional cancer allowance up to 3 times, 40% for the first 2 and 20% for the 3rd
After additional multiple compensations, serious illnesses are not grouped into multiple compensation 3 times, which are 120%/150%/200% respectively
Additional sickness allowance, 60%/20%/10% in the first 10 years of severe and minor illnesses
Untied death, flexible choices
.
How to choose it
For more perks, Naughty 2 is more practical
Only choose the basic guarantee, Xiaoqinglong 2 and Xiaonaughty 2 are cost-effective
Just want to choose a regular period, the Hornet 9 is cheaper
.
Products have their own advantages, which one to choose, how to guarantee, but also have to be combined with the actual situation
After reading it, I don't understand anything, or I want me to compare the recommendation, leave a message in the comment area, and I will reply ~