2024 Children's Critical Illness Insurance Premium|Bumblebee No. 10 Flagship Edition Large Company, High Compensation, Affordable Price

The love of parents for their children is far-reaching. More and more parents are aware of the importance of critical illness insurance and are buying critical illness insurance for their children from the moment they are born, just in case.

Recently, the very hot children's critical illness insurance, Bumblebee No. 10 (flagship version) is a large company, with high claims and affordable prices, which is the best choice for children's critical illness insurance, which is worthy of parents' attention.

I would like to recommend this excellent product to you today.

1. Why is Bumblebee No. 10 Children's Critical Illness Insurance (Ultimate Edition) worth recommending?

For the basic coverage of this product, you can refer to the following table for details.

It can be seen that the guarantee content of Bumblebee 10 (flagship version) is very rich. To examine whether a product is worth recommending, it usually depends on its coverage content and cost performance, and some people will pay more attention to the background strength of the insurance company.

1. Coverage

There are mandatory and optional obligations for this product.

(1) Mandatory liabilities include critical illness, moderate disease, mild disease, pediatric special disease, rare disease, and malignant tumor - severe expansion fund. The protection of basic responsibilities is very rich and complete.

Critical Illness: 100% of the basic sum assured will be paid for one time, and subsequent premiums will be waived after the first payment, and the policy will continue to be valid. It covers 28 types of high-incidence critical illnesses such as malignant tumors (leukemia, brain cancer, lymphoma, etc.), severe hand, foot and mouth disease, and severe Kawasaki disease.

Mild to moderate illness: 6 combined claims, no grouping and no interval, 30%/60% of the basic sum assured will be paid each time, and 90 days after the latest critical illness claim, if the moderate and mild illness has not been paid for 6 times, the non-same group of moderate and mild illness will continue to be covered. It includes malignant tumors - mild tumors, carcinoma in situ and other high-incidence mild to moderate diseases.

Children's Special Diseases and Rare Diseases: If you are diagnosed with a pediatric special disease/rare disease for the first time, an additional 60%/100% of the basic sum assured will be paid in the 1st policy year, an additional 120%/200% of the basic sum assured will be paid in the 2nd policy year, and an additional 150%/220% of the basic sum assured will be paid in the 3rd policy year and beyond.

If you have applied for multiple critical illnesses at the same time, and the 2nd/3rd/4th diagnosis of pediatric special diseases/rare diseases will be paid an additional 100% of the basic sum assured, which will be superimposed with the multiple insurance benefits for critical illnesses!

Special diseases in children include 20 types of high-incidence serious diseases in children, such as leukemia, brain malignant tumors, and lymphoma, and rare diseases also include 20 diseases that are difficult to treat and expensive. Diagnosed with a pediatric special disease/rare disease that meets the terms and conditions, a one-time maximum additional claim of 150%/220% of the basic sum assured will be paid!

It can be seen that the compensation for high-incidence diseases is very strong.

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 are diagnosed with lung cancer in situ and then diagnosed with severe lung cancer after the claim, you can pay 150% of the basic sum insured.

The above basic responsibilities are not only rich in responsibilities, but also very practical, and the focus is on the compensation of high-incidence diseases. It can be said that the protection of basic responsibilities is very good, and the basic responsibilities are sufficient for friends with limited budgets.

(2) Optional liabilities include malignant tumor-severe care benefit (multiple claims for cancer), multiple payment insurance benefits for critical illness, sickness care benefit, death and total disability benefit, and exemption for the policyholder. Focus on the first 3 responsibilities.

Malignant Tumor - Severe Care Benefit, which is the multiple benefits for cancer:

After the first diagnosis of critical illness benefit, if the malignant tumor is diagnosed again - severe, 40%/50%/30% of the basic sum assured will be paid for the first three times, of which the benefit interval is 180 days for non-cancer-cancer and 365 days for cancer-cancer.

Generally, after the diagnosis of malignant tumors, it is common to continue treatment after 365 days, and this product will pay faster for the recurrence, metastasis, and continuous treatment of malignant tumors than products that can only be compensated after 3 years!

After accumulating 3 claims, 50% of the basic sum insured will be paid at an interval of 3 years after which malignant tumor - severe is diagnosed again, and the number of times is not limited.

For example, if you are diagnosed with leukemia at the age of 5 and continue to be treated for 5 years, you will be cured after paying the malignant tumor care fund for 3 times, you can continue to pay for lung cancer at the age of 30, and you can continue to pay for liver cancer at the age of 70. Malignant tumor coverage with unlimited payouts is very useful.

Multiple Critical Illness Benefits:

For critical illness, you can pay 3 additional claims, 120%/120%/150% of the basic sum assured, if the 2nd to 4th critical illness is a special illness/rare disease, an additional 100% of the basic sum assured will be paid at the same time as multiple critical illnesses (only 1 claim will be paid for the same special illness/rare disease).

Up to 4 critical illness claims in a lifetime, critical illness protection is sufficient, and the claims are stacked to pay more.

Sickness Care Payment:

Guaranteed at the age of 70 / for life: 100%/30%/10% of the basic sum assured will be paid for the first diagnosis of critical illness/moderate/mild illness before the age of 60.

Critical illness can be doubled before the age of 60, the compensation ratio is greatly increased, and there is no special claim requirement, and the critical illness that meets the terms can be paid. This is the best option for those who want to increase their critical illness benefits.

In general, malignant tumors are paid for an unlimited number of times and faster, critical illness is paid for an additional 3 times, and the disease care fund increases the compensation ratio, which are all practical and more advanced terms in the market.

So the above is the analysis of the insurance liability of this product, in summary, it is to pay more and pay faster.

2. Cost-effective

Let's see if there are any advantages to the premium:

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

The male treasure pays 1,955 yuan a year, and the female baby pays 1,750 yuan a year, with an average of more than 100 yuan per month, and enjoys lifelong protection of 500,000 yuan for critical illness, and the maximum 1.25 million for children's special diseases such as leukemia, and 150,000/300,000 yuan for mild and moderate diseases each time, the basic liability protection is very sufficient, and the cost performance is indeed very high, which is also acceptable for ordinary families.

3. Insurance companies

This product is underwritten by Fosun Prudential Life, a joint venture life insurance company founded in 2012 and headquartered in Shanghai with a registered capital of 3,362.1 million.

Founded in Shanghai in 1992 and listed in Hong Kong in 2007, Fosun Group has developed into a world-class enterprise with total assets of 834.9 billion yuan.

Prudential Financial Group, the largest life insurance company in the United States (ranking updated as of the end of 2022), has a history of more than 140 years and has a global presence, with assets under management reaching $1.41 trillion as of the end of June 2023.

It can be seen that this company has a very strong background and is a large company that everyone prefers.

Second, write at the end

Many parents may not buy critical illness insurance for themselves, but most of them will buy it for their children.

Fosun Prudential Bumblebee No. 10 Children's Critical Illness Insurance (Flagship Edition) is a highly recommended children's critical illness insurance at present, with comprehensive product protection and high compensation for high-incidence diseases, especially for children's special diseases, with an additional maximum compensation of 150% of the basic sum assured, and unlimited claims for malignant tumors - severe!