Hello everyone, I'm Bump Jun
Friends who understand insurance through the Internet, once they need to understand children's major illness insurance, there is a high probability that they can contact Fosun United Health's Mommy Baobei (new version), because Mommy Baobei (new version) has always been the leader in children's major illness insurance, and it is difficult to surpass other children's serious illness insurance.
Is there really no children's serious illness insurance that can be better than Mommy Baobei (new version)? However, Beijing Life's Bumblebee No. 5 quietly came, the full name is Beijing Life Jingkang Baby Critical Illness Insurance.
Can Bumblebee 5 surpass Mommy Baobei (new version) and become the new king?
<h1 class="pgc-h-arrow-right" data-track="12" > product liability</h1>
Bumblebee 5 can choose to be insured for 30 years, up to 70 years old, lifetime, death liability is optional liability, and the product structure is a single payment for serious illness, covering mild and moderate illness liability.
When the coverage period is 30 years, the first major illness occurs in the first 10 years and an additional 50% of the sum insured can be paid, and when the coverage period is selected until the age of 70 or lifetime, the first major illness occurs in the first 30 years, an additional 50% of the sum insured can be paid.
For children's coverage, children's specific serious illness and rare serious illness are paid additionally, and there is no age limit.
In addition, it is also possible to attach the liability for multiple claims for serious illnesses and the secondary compensation liability for cancer.
<h1 class="pgc-h-arrow-right" data-track="133" > product advantage</h1>
Advantage 1. Children's protection leverage is high
For the protection of children, Bumblebee No. 5 under the blessing of the major illness care fund, the additional compensation for specific serious illnesses of children, and the additional compensation for rare serious diseases, the single payment can reach up to 3.5 times the sum insured, and the sum insured of 500,000 can be paid 1.75 million, which is a bit similar to the Kunlun Health Insurance Multi-fold Version and the Youth Multi-fold Version.
(1) Additional compensation for specific serious illness of children + additional compensation for rare serious illness
There are 20 diseases included in the specific serious illness of children, and if the benefit period is 30 years, the proportion of additional benefits is 100%, if the protection period is selected until the age of 70 or lifetime, the additional benefit rate is 150% for the first 30 years, and the additional benefit ratio is 100% from the 30th year onwards.
Rare serious illnesses include 10 diseases, and during the term of the contract, the proportion of additional benefits is 200%, that is, 3 times the sum insured.
In addition to the high proportion of additional benefits, there is no age limit for additional benefits for specific serious illnesses and rare major illnesses, and they do not affect each other, such clauses are the top design of the current children's major illness insurance, which is the same as Mommy Baobei (new version).
That is to say, as long as the contract is valid, whenever you suffer from a specific serious illness or a rare serious illness of a child, you can get additional benefits.
For example, leukemia is a specific serious disease of children, even if you do not develop leukemia until the age of 75, as long as the contract is still valid, you can get additional compensation.
In response to the high incidence of severe diseases in children, the coverage of Hornet No. 5 is still quite comprehensive, in addition to the lack of severe bacterial meningoccal meningitis, there are 12 kinds of serious diseases that really belong to children with high incidence.
(2) Serious illness care fund
In addition to the additional benefits for specific serious illnesses and rare diseases in children, Hornet 5 also sets up a major illness care fund, which pays an additional 50% of the sum insured for serious illnesses in the first 10/30 years, and further improves the leverage of children's major illness protection.
If the coverage period is selected for 30 years, the first serious illness occurs in the first 10 years after the policy becomes effective, and an additional 50% of the sum insured can be paid;
When the benefit period is selected to be 70 years old or lifetime, the first serious illness occurs in the first 30 years after the policy becomes effective, and an additional 50% of the sum insured can be paid.
Then in the case of superimposing the additional compensation for specific serious illness of children with the liability for additional compensation for rare serious illness.
For example, leukemia, which belongs to the list of specific serious diseases in children, can get up to 3 times the sum insured, and 500,000 sum insured can be paid 1.5 million.
For example, the recently discussed infant progressive spinal muscular atrophy belongs to the list of rare serious diseases, and can get up to 3.5 times the sum insured, and 500,000 sum insured can be paid 1.75 million.
Such a guarantee lever is quite fragrant.
Advantage 2. Multiple claims for serious illnesses can be attached, and there is no three-way clause
Bumblebee No. 5 itself is only a single payment of major illness insurance, but it can be attached to the responsibility of multiple claims for serious illness, and become a major illness insurance that is not grouped into 4 times, as long as there are different kinds of serious illness, you can get a second payment, the interval is 1 year. The number of claims is relatively large in the number of multiple claims in the major illness insurance that is not grouped.
Of course, the highlight of Bumblebee No. 5's multiple compensation liability for serious illness is that there is no restriction on the three same clauses, which can effectively reduce the threshold for triggering the second payment.
At this time, many consumers may wonder what is the probability of suffering from a serious illness again after suffering from a serious illness? But we tend to overlook the associated serious illness.
For example: liver cancer, liver transplantation after 1 year; acute myocardial infarction, coronary artery bypass surgery after 1 year; leukemia, bone marrow transplantation after 1 year; benign brain tumor, paralysis after 1 year; end-stage renal disease (uremia), kidney transplantation after 1 year and other related serious diseases.
However, for the multiple payment of serious illness insurance, if there are three restrictions, such as leukemia (cancer) in children, after the first leukemia pays for a serious illness, it is impossible to pay for bone marrow transplantation (major organ transplantation) because of leukemia 1 year later. Even if severe malignancy and major organ transplantation are different diseases, only one of them can be paid because they are two serious diseases caused by the same cause.
If there is no triple clause, bone marrow transplantation after one year of leukemia can be paid, which is the advantage of not having the restriction of the triad clause.
Advantage 3. Other advantages
(1), can be attached to the cancer secondary compensation, Hornet No. 5 cancer secondary compensation responsibility is more conventional, but belongs to the more excellent secondary compensation conditions, the interval of 3 years, the proportion of compensation is 100%, can be insured new, recurrence, continuation, metastasis.
(2), the purchase of high insurance amount, up to 700,000, for the high demand for parents, can be in place in one step.
<h1 class="pgc-h-arrow-right" data-track="146" > insufficient products</h1>
Less than 1. The second time of cancer may not be compensated
Bumblebee No. 5 can attach a secondary payment for cancer, which is more practical, which is worthy of praise, such as leukemia with a relatively high incidence of children, once diagnosed, it is likely to need medium- and long-term treatment
If you are more than 3 years old and still have the state of the cancer foci of leukemia, you can pay the insurance amount again, which is very helpful for the economic compensation.
However, the second payment of cancer of Hornet No. 5 has a small regret, it must be cancer for the first time, or in the case of multiple payments for additional serious illnesses, one of the four major illnesses must be cancer, in order to promote the effectiveness of the cancer secondary compensation liability
Otherwise, the secondary liability for cancer is terminated.
Of course, if the liability for multiple claims for serious illnesses is attached, the impact is almost negligible, because the probability of not having one of the four major illnesses is very low.
Less than 2. Invisible grouping
Invisible grouping is a common disease of most major illness insurance, which is not grouped on the surface, but in fact only one of the same kind of disease is paid. Bumblebee No. 5 has 43 mild diseases, and the guaranteed diseases are still relatively comprehensive, of which there are 19 diseases involving implicit grouping, and the grouping reaches 7 groups, and this invisible grouping is slightly more.
Other deficiencies
(1) The 28 kinds of mild deficiencies corresponding to the unified definition of high-incidence serious diseases are: moderate paralysis, and overall, Bumblebee No. 5 is still quite comprehensive for the coverage of high-incidence and mild diseases.
(2) Some diseases have strict compensation conditions: severe Kawasaki disease, carcinoma in situ
(3) Hemorrhagic dengue fever and biliary reconstruction surgery, which were originally in the list of serious diseases, were delegated to mild illness benefits, and the proportion of compensation was reduced from the original 100% to 30%.
(4) Severe asthma is only guaranteed until the age of 25.
(5) The waiting period is long, requiring 180 days, and the conventional one only needs 90 days.
<h1 class="pgc-h-arrow-right" data-track="150" > Baoshi Introduction</h1>
Beijing Life insurance is a national life insurance company approved by the China Banking and Insurance Regulatory Commission and jointly established by state-owned enterprises, collective enterprises and social enterprises. The company was officially opened on February 14, 2018 with a registered capital of RMB 2.86 billion.
The shareholders include Beijing Shunxin Holding Group Co., Ltd., Beijing Supply and Marketing Cooperatives Investment Management Center, Beijing Hanjian Group Co., Ltd., Huaxin Century Investment Group Co., Ltd., Beijing Caoqiao Industrial Corporation, Langsen Automobile Industrial Park Development Co., Ltd., Lepu (Beijing) Medical Device Co., Ltd., Hengyouyuan Investment Management Co., Ltd., Beijing Pengkang Investment Co., Ltd. and other nine well-known enterprises, which are excellent state-owned enterprises, collective enterprises and private enterprises in various fields in Beijing, with rich shareholder resources and strong strength.
Shareholder Introduction
Beijing Shunxin Holding Group: a local first-class state-owned enterprise in Shunyi District, it is a comprehensive large-scale local state-owned enterprise group integrating biological brewing, nutritious meat, safe agricultural products, healthy real estate, environmental protection and water conservancy, ecological construction, scientific and technological planting, financial services, comprehensive and other industries, and Beijing Shunxin Agricultural Co., Ltd., invested by the Group, is the first agricultural listed company in Beijing. In the performance appraisal of the SASAC of the previous districts, it has been in the forefront, and has won the titles of "Top 500 Chinese Enterprises", "Top 500 Chinese Manufacturing Enterprises", "National Key Leading Enterprises of Agricultural Industrialization" and "Top 50 Listed Companies of Chinese-funded Food", and is an excellent backbone leading enterprise in Shunyi District.
Beijing Supply and Marketing Cooperatives Investment Management Center: It is a collective-owned enterprise established on November 13, 2001 by 100% of the Beijing Supply and Marketing Cooperative. In recent years, it has actively integrated into the economic and social development of urban and rural areas in the capital, forming four major business sectors such as modern industrial and commercial service industry, holding property management, finance and financial derivatives, and big data industry. It has cultivated a number of brand enterprises such as Capital Agricultural Materials, Jingguo, Yanlong Fireworks, Hundred Flowers Bee Products, Hailong, Yikelong, Jiazhixing, Oriental Xinjie, Jingyuan Picture Industry Base, Seven Trees Creative Park, Sail Incubator, New Century Mall, Longhua Shopping Center, Oriental Gongxiao Hotel, Changchun Garden Food Street and so on.
Operational status
Founded: 2018
Registered capital: 2.86 billion yuan
Latest Solvency: 179% (Q2 2021)
2020 original premium scale ranking: 64th
<h1 class="pgc-h-arrow-right" data-track="151" > bump said</h1>
Bumblebee No. 5 is a rare outstanding children's serious illness in recent times, in the form of the product, it can be seen as a combination of Mommy Baobei (new version) and Kunlun Health Baohui multi-fold version.
Not only can it achieve a high proportion of additional compensation for specific serious diseases and rare serious diseases in children, there is no age limit, and there is no restriction on the three same clauses after multiple payments for additional serious diseases, and there is also a pre-major illness care fund.
It can be said that the protection in the early adolescent stage is very comprehensive and highly leveraged.
However, under such a comprehensive protection, the price is not high, and the death responsibility is still optional, which can fully meet the different needs of people.
Overall, Hornet No. 5 has completely surpassed Mommy Baobei (new version) and become a new children's serious illness hit.
If you don't know how to configure protection for yourself and your family, but you hope to plan for protection, don't buy wrong and don't buy expensive, we can help you.
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