How to choose the optional liability of Bumblebee No. 10 Children's Critical Illness Insurance (Ultimate Edition)?

Recently, many friends who are planning to buy critical illness insurance for their children are considering Bumblebee No. 10 Children's Critical Illness Insurance (Ultimate Edition).

This product has not fallen into the prestige of "Bumblebee", with much more protection for mild and moderate diseases, high claims for critical illnesses, unlimited compensation for malignant tumors, and superimposed compensation for various responsibilities.

However, the optional responsibility of this product is very rich, and many friends who consider buying do not know how to choose the appropriate optional responsibility.

Today's article teaches you how to choose the optional responsibility of Bumblebee No. 10 (Ultimate Edition), help you not choose the wrong one, do not buy the wrong one, and allocate it to a plan that is beneficial to everyone with a low premium.

The topic of this article is:

What are the advantages of Bumblebee No. 10 Children's Critical Illness Insurance (Ultimate Edition)?

How to choose the optional liability of Bumblebee No. 10 Children's Critical Illness Insurance (Ultimate Edition).

Write at the end

1. What are the advantages of Bumblebee No. 10 Children's Critical Illness Insurance (Ultimate Edition)?

Here's what this product covers.

1. Mild to moderate symptoms are much more insured

There are many critical illness products on the market, and there are various types of mild and moderate illness protection, and there are those with the termination of the liability for mild and moderate illness after the critical illness is paid.

Bumblebee No. 10 (Ultimate) has excellent liability coverage for mild to moderate illness:

Mild to moderate illness combined with 6 claims, which means that moderate illness can be compensated up to 6 times, and the compensation ratio is higher than that of mild and moderate illnesses paid separately;

No grouping, no interval, 30%/60% of the basic sum insured will be paid each time, and subsequent premiums will be waived after the first payment;

90 days after the latest critical illness claim, the coverage for mild and moderate illnesses that are not in the same group as the claimed critical illness will continue to be covered, up to a maximum of 6 times.

The number of claims and the ratio of claims are relatively good.

2. Height with serious illness

100% of the basic sum assured for 1 time for basic liability critical illness, and you can also choose to pay the insurance benefit for multiple times for critical illness and 3 additional times for critical illness, with flexible and adequate protection.

The additional compensation for children's special diseases is large, including 20 high-incidence serious diseases such as leukemia, brain malignant tumors, and lymphoma. If you are diagnosed with a critical illness or above, you will receive a lump sum maximum of 150% of the basic sum assured.

Optional Liability Illness Care Benefit, with an additional 100%/30%/10% of the basic sum assured for the first diagnosis of critical illness/moderate/mild illness before the age of 60. Many products generally have an additional payout ratio of 50%, 60%, and 80% for critical illness, and this product is as high as 100%!

In addition, critical illness and children's special diseases, malignant tumors - severe care funds can be superimposed, up to 340% of the basic sum assured, so the critical illness compensation of this product is quite high.

3. Strong protection for high-incidence diseases, unlimited compensation for malignant tumors

The most common critical illnesses in children include various malignant tumors, severe hand, foot and mouth disease, and severe Kawasaki disease.

This product has a strong protection against high-incidence diseases:

The first is the high additional compensation for children's special diseases, including 20 kinds of high-incidence critical illnesses in children, such as leukemia, brain malignant tumors, lymphoma, severe hand, foot and mouth disease, etc., with a maximum additional compensation of 150% of the basic sum assured.

The second is the protection of malignant tumors - severe.

Malignant Tumors - Severe Care Payment:

After the first diagnosis of critical illness is paid, if the critical illness is diagnosed as a malignant tumor, you can make a maximum of 3 claims, which are 40%/50%/30% of the basic sum assured, if it is from a non-malignant tumor to a malignant tumor, the interval is 180 days, if it is a malignant tumor, the interval is 365 days, and the compensation can be paid quickly!

After that, every 3 years, if the malignant tumor is diagnosed again - severe, 50% of the basic sum insured will be paid, and there is no limit to the number of times!

Contains malignant tumors - severe new, recurrent, persistent, metastasized, spread!

Malignant Tumor - Severe Expansion Fund: If you are diagnosed with carcinoma in situ or malignant tumor - mild, if you are diagnosed with malignant tumor - severe for the first time, an additional 50% of the basic sum assured will be paid.

For example, if you buy 500,000 yuan, you will pay 150,000 yuan for being diagnosed with carcinoma in situ, and then you can pay 750,000 yuan for being diagnosed with severe cancer.

4. Compensation for various liabilities

The first critical illness can be combined with the compensation of children's special diseases/rare diseases and disease care funds;

The 2nd, 3rd, and 4th critical illnesses can be combined with the compensation for pediatric special diseases/rare diseases, malignant tumors, and severe care funds.

Various mandatory and optional liabilities can be stacked, and the compensation is large.

5. There is an advantage in premiums

The basic liability of insurance at the age of 0 is 500,000 yuan, and the insurance is guaranteed for life for 30 years

The male treasure is 1955 yuan per year, and the female treasure is 1750 yuan per year, and the price is very advantageous in the market;

If you choose 35 years, the annual premium is as low as 1755 yuan for men and 1590 yuan for women, with a monthly average of less than 150 yuan, which is more friendly to ordinary parents.

6. Flexible choice

The coverage period can be 30 years, up to the age of 70, and for life, and the payment period can be paid in single payment/5 years/10 years/15 years/20 years/30 years/35 years.

2. How to choose the optional liability of Bumblebee No. 10 Children's Critical Illness Insurance (Ultimate Edition).

The basic liability of this product includes 1 claim for critical illness, mild and moderate illness, special illness of children, rare disease, malignant tumor - severe expansion fund, the basic liability protection is very good, and the compensation for high-incidence diseases is very high.

Optional liabilities include malignant tumor-severe care benefit (multiple claims), critical illness multiple payment insurance benefit, sickness care benefit, death and total disability benefit, and policyholder waiver, all of which are more practical.

Among them, the liability for death and total disability is not a necessary responsibility for children, which we attach as needed; the policyholder exemption is more humane, and it is recommended that friends who can be informed by health can add it.

So how do you choose the other three important optional responsibilities?

It is recommended to choose according to the budget. The basic protection of this product is already very good, if the budget is tight, you can buy basic responsibility, and you can buy 500,000 lifetime critical illness protection with an average of less than 150 yuan per month.

If you have a better budget, make sure you have enough coverage for critical illness before adding other liabilities.

The highest incidence of critical illness in children is also malignant tumors, so malignant tumors - severe care money is very practical; secondly, the child has a long life, so it is also a very useful protection for multiple critical illnesses; as for the disease care fund, it is practical and cost-effective to increase the compensation ratio.

Suggestions for adding order: malignant tumors - severe care fund≥ disease care fund≥ multiple payment insurance benefits for critical illness.

If the critical illness sum insured is relatively low, you can preferably consider the sickness care fund.

Of course, the key is to meet everyone's needs, and the specific situation can be analyzed on a case-by-case basis.

3. Write at the end

Bumblebee No. 10 Children's Critical Illness Insurance (Flagship Edition) is an excellent critical illness insurance that has recently swept the market, with much coverage for mild and moderate illnesses, high claims for critical illnesses, strong protection for high-incidence diseases, unlimited compensation for malignant tumors, superimposed compensation for various liabilities, and excellent price, the overall cost performance can be called the market leader.

In addition, this product is underwritten by Fosun Prudential Life Insurance, which has a strong and reliable company background and can meet everyone's needs for the company's scale.

All in all, this product is really worth everyone's consideration.