This product is the Xiaoqinglong No. 3 Children's Critical Illness Insurance under Junlong Life Insurance.
Xiaoqinglong No. 3 Critical Illness can be paid up to 4 times, and cancer can be claimed unlimited times, and a variety of practical value-added services can provide better protection for children.
What's more worth mentioning is that Xiaoqinglong No. 3 innovates autism protection, and at the same time adds leukemia bone marrow transplantation, cancer expansion gold, etc., which is eye-catching.
So let's take a look at the details of this product.
For quick enquiries, click here:
01
Xiaoqinglong No. 3 Children's Critical Illness Insurance Coverage
Compared with the previous Xiaoqinglong 2, Xiaoqinglong 3 has made the following upgrades:
Critical illness claims are paid more times and the compensation intensity is larger: up to 4 times with a maximum payment of 160% of the basic sum assured, and with a cumulative number of 4 times for special illnesses, the benefits are more powerful;
In addition, Xiaoqinglong No. 3 provides malignant tumor protection, which is more comprehensive and has a cheaper premium.
Let's take a detailed look at the specific protection content of Xiaoqinglong No. 3:
The coverage period of Xiaoqinglong No. 3 Children's Critical Illness Insurance can be 30 years, up to the age of 70 or for life.
At present, the longest payment period is 35 years, which can effectively alleviate the pressure on premiums.
Let's take a detailed look at the protection highlights of Xiaoqinglong No. 3 Children's Critical Illness Insurance:
1. The compensation is powerful, and the disease coverage is wide
Let's start with the basics:
Critical Illness: 4 times without grouping, 100%, 120%, 140% and 160% of the basic sum assured will be paid respectively;
Mild to moderate illness: 6 claims in total, 30% of the sum insured will be paid each time for mild illness, and 60% of the sum insured will be paid for moderate illness each time.
Compared with similar products, Xiaoqinglong No. 3 has a very large number of critical illness claims and strength, and the number of minor and moderate illness claims is very flexible, so there is a chance to pay more.
In the area of children's special illness protection:
Special diseases: 20 diseases, 4 claims, 120% of the sum insured each time;
Rare diseases: 20 diseases, 4 claims, 200% of the sum insured each time.
Whether it is the number of claims, the strength of the claims, or the number of diseases covered, it is very powerful and comprehensive, which can provide more targeted protection for children.
2. New malignant tumor expansion fund to provide more comprehensive protection
Xiaoqinglong No. 3 contains malignant tumors - severe extended insurance benefits, and is diagnosed with carcinoma in situ and mild cancer for the first time.
After the diagnosis of malignant tumor - severe, an additional 50% of the basic sum insured will be paid.
In addition, additional insurance benefits for severe malignant tumors can be added according to the budget.
Unlimited payouts, the specific payouts are as follows:
And this benefit can be stacked with the second/third/fourth claims for critical illness!!
Compared with similar products, the payout is very large.
For example:
Lao Wang bought Xiaoqinglong No. 3 for his child, with an insurance amount of 500,000 yuan, guaranteed for life, and additional insurance benefits for cancer.
When he was 2 years old, the baby was unfortunately diagnosed with severe meningitis sequelae, met the conditions for compensation, and paid 500,000 yuan.
At the age of 5, he was diagnosed with brain cancer again and was eligible for claims.
Critical illness can be compensated 500,000 * 120% = 600,000, and cancer can be compensated 500,000 * 40% = 200,000, a total of 800,000 can be compensated this time!
If the brain cancer has not been cured after the second year, persists and meets the conditions, you can also get an additional compensation of 500,000 * 50% = 250,000.
Moreover, the additional cost is not high, about three or four hundred a year, which can give the child more perfect protection.
3. Innovative autism protection
According to the Report on the Development of China's Autism Education and Rehabilitation Industry 3, the incidence of autism in children in mainland China is increasing year by year.
The incidence of autism has reached 0.7%, and there are about 10 million people with autism spectrum disorder, including about 2 million children under the age of 12, with an annual increase of nearly 200,000.
The causes of autism are complex, mainly due to congenital factors and genetic factors, and most critical illness insurance directly denies insurance for autism.
Xiaoqinglong No. 3 directly includes autism in the basic insurance, and it is divided into 2 situations for compensation:
Children's severe autism insurance benefit: 20% of the sum insured;
Children's Autism Rehabilitation Fund: Rehabilitation treatment fee * 15%.
Note that the cumulative maximum compensation for diagnosis + rehabilitation treatment is 120% of the basic sum assured.
The treatment process for autism is lengthy, and during this period, parents need to accompany their children to medical appointments and rehabilitation, which is time-consuming.
Xiao Qinglong's responsibility can directly pay a sum of money to alleviate the economic pressure.
The conditions for being diagnosed with autism are as follows:
4. Practical value-added services, the warm white plan is more heartwarming
Xiaoqinglong includes a wealth of practical value-added services, such as CAR-T medical services, children's growth and development services, children's spinal rehabilitation services, children's critical illness project management (including the warm white plan and satellite plan), etc.
Xiaoqinglong's Warm White Plan is applicable to insured leukemia patients aged 0-17:
02
What is the strength of Junlong Life Insurance Company
Junlong Life Insurance, as an insurance company established in 2008, has a registered capital of 2.1 billion yuan.
1. Strong capital strength
The two major shareholders behind Junlong Life Insurance are:
Taiwan Life Insurance Co., Ltd.: A major insurance company with more than 70 years of life insurance management experience;
Xiamen C&D Group Co., Ltd.: a state-owned listed company, covering the development of multiple fields and strong capital strength.
These two companies can be described as a strong combination: rich and professional insurance experience + strong capital strength,
It ensures that the company can effectively assume the policy responsibility and provide customers with stable and reliable insurance services.
2. Reliable solvency
The solvency of an insurance company means that the insurance company is able to fulfill its agreed responsibilities to the insurance contract in a timely manner and pay the insurance money and claims on time to protect the rights and interests of the insured.
Let's take a look at the solvency of Junlong Life in the fourth quarter of 2023:
The latest core solvency ratio (127.72%) and comprehensive solvency ratio (166.97%) were both on target.
In addition, the comprehensive risk rating of the last two periods has also met the regulatory requirements:
03
Daddy concluded
In order to meet the market demand, I believe that in the future, the product guarantee will be more and more perfect, and the responsibility for innovation will be more practical.
This time, it seems that Xiaoqinglong No. 3 Children's Critical Illness Insurance has been heavily protected, especially the innovation of autism liability, the improvement of compensation and the addition of malignant tumor expansion funds.
And the overall rate is low, which is a good choice for parents who want to improve their children's critical illness protection.
Finally, if you want to know more about the product details, you can click here to consult us