Before the emergence of Beijing Life Bumblebee No. 5 children's serious illness insurance, when it comes to online sales of children's serious illness insurance, first of all, it will definitely think of Mommy Baobei, and the launch of Bumblebee No. 5 has made online sales of children's serious illness insurance more new choices.
< h1 class="pgc-h-arrow-right" data-track="2" > basic contents</h1>
110 major illnesses are paid once, and 100% of the sum insured is paid.
30 moderate illnesses can be paid 3 times, each time paying 60% of the sum insured.
43 minor illnesses can be paid 3 times, each time paying 30% of the sum insured.
20 Special Diseases (including Leukemia) Benefit: If the coverage period is 30 years, it will be paid at 2 times the sum insured, if it is covered until the age of 70 or for life, it will be paid at 2.5 times the sum insured for the first 30 years, and 2 times the sum insured after 30 years. The selection of 16 common children's high-incidence diseases can be multi-fold as shown in the figure.
10 rare diseases are covered at 3 times the sum insured.
In addition, the optional coverage is flexible: optional insurance for 30 years or until the age of 70, lifetime; whether to bring death benefits; whether to pay multiple claims for serious illnesses; whether to pay for severe malignant tumors.
<h1 class="pgc-h-arrow-right" data-track="5" > highlights</h1>
(1) Additional benefit for first-time critical illness: If the benefit period is 30 years, the first confirmed serious illness in the first 10 years of the policy can pay 50% more sum insured, and if the insurance is insured until the age of 70 or lifetime, the first confirmed serious illness in the first 30 years of the policy will pay 50% more sum insured.
(2) Optional responsibility for serious illness is not grouped 4 times to compensate for bright spots.
A. 120% of the sum insured for the second major illness, 130% of the sum insured for the third time, and 150% of the sum insured for the fourth time.
B. There is no "three same clause" for multiple compensation for serious illnesses, and multiple compensation for related serious illnesses can be obtained multiple payments. For example, "leukemia" → "bone marrow transplant", "uremia" → "kidney transplant", although it is to treat 1 disease, but you can get 2 major illness benefits.
C. Not grouping multiple claims for major illness insurance usually requires two major illnesses to be spaced for 1 year, but the special feature of Bumblebee No. 5 is that there is no time limit for serious illnesses caused by accidents. To give a simple example: today's stomach cancer claim is in the account, and tomorrow when you go out, you can apply for serious illness compensation because of a serious brain injury caused by a car accident.
(3) Optional secondary compensation for severe malignant tumors, with an interval of more than 3 years, new occurrences, recurrence, metastasis, and persistence of cancer can be compensated.
<h1 class="pgc-h-arrow-right" data-track="7" > insufficient</h1>
(1) The waiting period is long, 180 days.
(2) The lack of mild diseases corresponding to the 28 uniformly defined high-incidence serious diseases is "moderate paralysis".
(3) There are 7 groups of invisible groups for mild diseases, 1 kind of disease in the group is paid, and the rest of the diseases are guaranteed as shown in figure.
(4) Optional malignant tumor secondary compensation has small defects. If you do not choose to pay multiple claims for serious illnesses, and the first serious illness is not a malignant tumor, this guarantee will be terminated with the contract and will no longer take effect, and the choice of this guarantee will try to make multiple claims for serious illnesses as much as possible.
<h1 class="pgc-h-arrow-right" data-track="9" > written at the end</h1>
Bumblebee No. 5 has more additional benefits for the first serious illness than Mommy Baobei, and if you add the additional benefits for special diseases, special diseases such as leukemia can get up to 3 times the sum insured. In addition, its multiple claims for serious illnesses have increased successively, and the serious illnesses caused by accidents without interval time requirements are also not available to Mommy Baobei.
Bumblebee No. 5 is fully protected, the rate is still relatively low, and it has taken a lead in the online sales of children's serious illness insurance track, and will become everyone's new favorite.
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