Bumblebee No. 10 Children's Critical Illness Insurance Ultimate Edition is guaranteed for 30 years or for life?

During this period, Fosun Prudential Life Insurance Company was quite effective and launched several high-quality products, among which Bumblebee No. 10 Children's Critical Illness Insurance (Flagship Edition) has almost become a hit on the whole network.

Bumblebee No. 10 (Ultimate Edition) is a children's critical illness insurance that can be insured for 30 years, up to the age of 70, and guaranteed for life, with good product liability, high compensation, up to an additional 150% of the basic sum insured for children's special illness, and unlimited claims for malignant tumors - severe.

At present, in 2024, children's critical illness insurance, it is recommended to buy Bumblebee No. 10 (Ultimate Edition). However, there are many options for the protection period of this product, and the payment period is also diversified, so how to apply for insurance has become a problem for many parents.

Today's highlights are:

Highlights of Bumblebee No. 10 Children's Critical Illness Insurance (Ultimate Edition).

Bumblebee No. 10 Children's Critical Illness Insurance (Ultimate Edition) is guaranteed for 30 years or for life

Write at the end

1. Highlights of Bumblebee No. 10 Children's Critical Illness Insurance (Flagship Edition).

Bumblebee No. 10 (flagship version) has won the favor of most parents in a short period of time after it was launched, and its strength should not be underestimated.

1. The critical illness claim is high, and the sickness care fund will pay an additional 100% of the basic sum insured for critical illness

100% of the basic sum assured for basic liability critical illness, including high-incidence critical illness. If you are diagnosed with a pediatric special disease/rare disease, the first maximum additional payment is 150%/220% of the basic sum assured.

For basic liability only, the maximum payout for the first critical illness is 320% of the basic sum assured, and if it is a high-incidence special illness such as leukemia, the maximum benefit is 300% of the basic sum assured.

If the sickness care benefit is added, an additional 100% of the basic sum assured will be paid for the first critical illness before the age of 60. Cumulatively, the maximum claim for the first critical illness can be as high as 420% of the basic sum insured, and 2.1 million for buying 500,000!

2. Children's special diseases/rare diseases can be paid up to 4 times, and the claims will be superimposed with critical illnesses for many times

At the same time, if you have insured multiple critical illnesses, the 2nd, 3rd, and 4th diagnoses of children's special diseases or rare diseases will receive an additional 100% of the basic sum assured, and 120%/120%/150% of the critical illness will be superimposed, up to 250%!

It can also be superimposed on malignant tumors - severe care funds at the same time, and the protection is stronger and more sufficient.

3. Malignant tumors - severe and unlimited number of claims

Malignant tumors - severe protection deserves the attention of men, women and children.

This product malignant tumor-severe unlimited number of claims: malignant tumor-severe care fund, after the first diagnosis of malignant tumor-severe claim, and the second diagnosis of malignant tumor-severe, regardless of recurrence, metastasis, new or continuous treatment, you can pay another 40%/50%/30% of the basic sum assured, among which, if the first critical illness is non-cancer, the claim interval is 180 days, and if the first critical illness is cancer, the claim interval is 365 days, which is faster than the general claim interval of 3 years!

After the first 3 claims, every 3 years thereafter, if the malignant tumor is diagnosed again - severe, 50% of the basic sum insured will be paid, and the number of times is not limited!

There are unlimited malignant tumors - severe coverage during the insurance period, which is very strong and practical.

4. Critical illness can be claimed up to 4 times, with adequate protection

Optional liability "Critical Illness Multiple Payment Premium", Critical Illness will be paid 3 additional times, 120%/120%/150% of the basic sum assured will be paid in turn. If the 2nd to 4th critical illness is a pediatric special illness/rare disease, an additional 100% of the basic sum assured will be paid at the same time as multiple critical illnesses (for the same pediatric special illness/rare disease, only 1 claim will be paid).

Critical illness coverage is sufficient, and the stacked benefits are more.

5. After the critical illness is claimed, the maximum compensation for mild to moderate illness is 6 times

Mild to moderate illness and moderate illness will be paid for 6 times, no grouping, no interval, and 90 days after the latest critical illness claim, if the moderate and moderate illness has not been paid for 6 times, the cover will continue to be covered for the mild and moderate illness in the same group. The proportion of compensation for mild to moderate illness and the number of claims are excellent.

6. The price is advantageous

0-year-old baby insurance basic responsibility, the basic insurance amount of 500,000, pay 30 years for life, male treasure annual payment of 1955 yuan, female annual payment of 1750 yuan, average monthly meal money = children's special disease up to 1.5 million protection!

The above are the advantages of this product: high compensation, sufficient protection, low price, and the overall cost performance is very good. With the blessing of Fosun Prudential Life Insurance, Bumblebee No. 10 (Flagship Edition) is well-deserved to be popular.

2. Bumblebee No. 10 Children's Critical Illness Insurance (Flagship Version) is guaranteed for 30 years or for life

The warranty period of this product is 30 years, up to 70 years old, and lifetime insurance, and the payment period is also very flexible, and can be matched with a variety of plans to meet the different needs of different people.

However, when parents choose to take out insurance, they still have a big head: is it appropriate to insure for 30 years or for life? is it better to pay for 30 years or 35 years, and how to choose optional responsibilities......

1. The issue of the guarantee period

Priority is recommended for life: the older a person is, the more his or her body functions deteriorate, and the higher the probability of suffering from a critical illness. Nowadays, the incidence of critical illness is serious at a young age, and the probability of critical illness between the ages of 20 and 40 is getting higher and higher, and many people in their twenties and thirties have various problems in their physical examination reports. Therefore, it is necessary to choose lifelong insurance for critical illness.

The idea is that if the child has a disease or physical abnormality that affects the future critical illness insurance during his or her growth, he will not be able to buy critical illness insurance in the future.

Therefore, if you apply for critical illness insurance for the first time, the insurance period is in the order of life> to 70 years old> 30 years.

Of course, if the budget is tight, such as a budget of only a few hundred yuan, then give priority to buying the full amount of insurance, first buy insurance for 30 years, and then find an opportunity to increase insurance.

2. How to choose the payment period

The payment period can be paid in a single payment, 5 years, 10 years, 15 years, 20 years, 30 years, or 35 years. 35-year payment is relatively rare, which can well reduce the pressure of payment.

Therefore, if the budget is tight and the career is on the rise, 35 years is more friendly.

For example, the basic liability of 0-year-old female treasure insurance, the basic insurance amount is 500,000 yuan, and the insurance is lifelong, 1750 yuan per year if paid for 30 years, and 1590 yuan per year if paid for 35 years, which can still reduce a lot of payment pressure.

For those with sufficient budget, it is recommended to choose the longest term that can be selected to pay the premium, buy the same sum insured, the annual premium is lower, and the leverage is higher.

3. How to match optional responsibilities

The more important optional liabilities are malignant tumors - severe care payment, critical illness multiple payment, illness care benefit, and policyholder waiver.

The policyholder's exemption is more user-friendly, and it is recommended to attach it if the physical condition supports it.

The other three responsibilities are very practical, and in the case of sufficient sum insured, it is recommended to choose the following order: malignant tumor - severe care > critical illness multiple payment > illness care fund.

If the basic sum insured is not high, it is recommended to give priority to the additional illness care fund, and then the malignant tumor-severe care fund ≥ critical illness will be paid multiple times.

Of course, each child's situation is different, and we must analyze the specific problems in order to buy a suitable plan.

3. Write at the end

Fosun Prudential Bumblebee No.10 Children's Critical Illness Insurance (Ultimate Edition) is the latest version of the Children's Critical Illness Insurance Big IP Bumblebee Series, with good product protection and high payouts: up to 4 claims for critical illness, with adequate protection, up to 150% of the basic sum assured for children's special illnesses, unlimited claims for malignant tumors - severe, up to 100% of the basic sum assured for critical illnesses, and up to 6 claims for mild and moderate illnesses after critical illness payments!

The price is also very advantageous, the annual payment of 0-year-old babies is as low as 1590 yuan, and the average monthly payment is as low as 132.5 yuan = the maximum compensation for children's special diseases is 1.5 million, which is cost-effective.

This product can also choose to be guaranteed for 30 years, up to 70 years old, and for life, up to 35 years.