Parents! Don't buy insurance for your child lightly!

In this world, there are no children's serious diseases, and there are more people who buy them, so the insurance company specially launched it.

Why?

Because of the so-called "adult critical illness insurance", the allowed age of insurance is also 0 years old, and it can take effect after a waiting period of about 30 days.

The reason why there is the term "children's critical illness insurance" is purely because in order to meet the needs of customers, insurance companies have singled out the high-incidence diseases in children from the high-incidence critical illness.

Then the landmark clause in the "Children's Critical Illness Insurance" was formed: the compensation for children's specific diseases

Ay! According to this theory ~

If there is a product that has additional compensation for men's high-incidence diseases, can it be called "macho critical illness insurance"?

Can a product with additional compensation for high-incidence diseases in women be called "Critical Illness Insurance for Pretty Women"?

Without interrupting, continue with our theme~

Children's specific disease compensation, the gold content of this clause is still quite high.

For example, if the disease progresses to the point where bone marrow needs to be replaced, the cost of treatment can be millions.

At this time, if you buy critical illness insurance with "children's specific disease insurance money", buy a sum insured of 500,000 yuan, and finally pay 1 million yuan, which is equivalent to a double leverage for specific critical illness.

And for children's critical illness, there is a big advantage, cheap!

Due to the low incidence of critical illness in children, as little as a few hundred yuan, as much as one or two thousand, you can buy cost-effective products corresponding to the responsibility.

At present, there are good products for children's critical illness insurance on the market, which can be as short as 20/30 years of protection and as long as 70/80/lifetime.

Families with different budgets and needs:

Families with very limited budgets are guaranteed 20/30 years;

For families with sufficient budget, it is recommended to protect it until the age of 70/80/life.

Remind everyone that there are two prerequisites for buying a critical illness for a child:

1. Whether the child has "children's medical insurance"

This is a benefit given by the state, about 200 yuan per year, and the reimbursement ratio is in the range of 60%-90%.

2. Whether the family's breadwinner has been fully insured

Do you think, when the child is sick, there are adults to carry it, and when the adults are sick, who will carry it?

Therefore, the correct way to buy insurance should be "adults first, then children".

Next, let's talk about the points that need to be paid attention to when picking up serious illnesses for children:

1. Whether the sum insured is sufficient

The cost of treatment for a child's critical illness is high, and in order to ensure that there are sufficient funds for treatment, the amount of insurance must be the first thing to consider.

Regarding the amount of critical illness insurance, there is a popular saying: "300,000 starts, 500,000 is okay, and 1 million is well-off." ”

Therefore, whether you are guaranteed for a term or for life, it is recommended that the sum insured should be at least 500,000.

2. Multiple claims for specific critical illnesses in children

Double payout for specific critical illnesses for children, covering all high-incidence diseases, is very practical.

As mentioned above, leukemia is not only expensive to treat, but also prone to recurrence, so it is recommended to protect the high incidence of leukemia.

3. Mild and moderate symptoms

Most of the diseases with mild/moderate illness are the precursors of serious illnesses, but they are also very serious diseases.

The cost of treatment, plus post-rehabilitation, usually also comes at a significant cost.

Therefore, the responsibility for mild/moderate illness should be added if there is a condition.

 4. Liability for death

Knock on the key !!

Don't buy critical illness insurance for your child's death benefit!

With the addition of death liability, the premium is very uneconomical, and according to the provisions of the law, most insurance policies do not cover the sum insured before the age of 18, and it is useless to buy them.

5. Exemption for policyholders

This means that if the parents have a serious illness/accident, etc., the child will not have to pay for this insurance and can continue to enjoy the protection.

However, additional policyholders are exempted, and additional fees are generally required, so friends can buy it according to their own needs.

In general, this stage of the child is the time when the premium is the cheapest.

I think every parent wants their children to spend their lives safely.

Therefore, friends who have the budget ability are recommended to give their children more insurance amounts.