In particular, the family bucket insurance of "exclusive for babies", "comprehensive care" and "360-degree all-round protection" has made parents shine. Even if we remind them that this kind of insurance, if any, will be quite expensive, and some parents will say that we are not short of money for our children. The key is to be comprehensive and pity the inheritance.
However, for example, the following Taikang Life Insurance All-round Baby Plan claims to protect 65,438+00 kinds of special diseases of children, 60 kinds of serious diseases, high disability, death, long-term hospitalization allowance and expiration survival allowance. It looks comprehensive, but it's really not just an expensive problem.
I. Interpretation of illegal advertisements
Before the opening ceremony, Snail Jun wanted to spit out this propaganda copy. He really has zero tolerance for this kind of exaggeration to deceive consumers.
1, the insurance company will stand guard for your child for 30 years, with no money and no interest.
Another boast of free insurance, not only free, but also asking for money! Are there any free pies in the world? As mentioned earlier, the so-called free insurance, saving money, sending insurance and other words are all false advertisements, which are explicitly prohibited by the CIRC. China's language is really profound, so we can't put it another way, and people don't know each other.
2. Don't talk about insurance, talk about income.
As a customer, I bought insurance, not insurance, but income. Have you forgotten the insurance surname? Last name is Bao! I have to say that this copy is either too forgetful or too timid.
In a similar situation, you can read another article by Snail Jun, explaining in detail, "Why do you still buy" Full Score of Peace and Love "when the children have not discussed it? 》
Which bank deposits 3390 yuan and gives you 226 yuan interest a year?
Everyone should see this clearly. The concept of stealing is very serious. Obviously, it is more than 33,000 yuan a year for more than 30 years, and I have to instill in you the illusion of high interest rate of 3,390 to 226 a year.
Second, the snail king removes the risk.
Finish the copy of Taikang Life Insurance Almighty Baby ~ Snail Jun takes you on a good adventure.
This so-called all-round baby plan is actually a combination insurance for children's serious illness and hospitalization allowance.
It consists of Taikang Almighty Treasure A+ Additional Almighty Treasure A+ Serious Illness and Taikang Almighty Treasure b+ Additional Almighty Treasure b+ Hospitalization Allowance. Taikang health partner exemption insurance is optional.
(1) Its main insurance is all risks, as the name implies, life and death, so the premium is definitely not cheap.
(2) Pay attention to disease protection. The All-around Baby covers 60 kinds of serious diseases and 10 kinds of children-specific diseases.
However, minor ailments do not matter, minor ailments do not matter, minor ailments do not matter, the important things are said three times!
We should know that although the cure rate of mild diseases is high, the incidence rate is also high. At present, many serious illness insurance and minor illness insurance have been paid for 3~5 times, and the waiting period of 180 days is slightly longer.
Moreover, the insured has no deductible, and the deductible needs extra money ~ for children's insurance, the deductible of the insured is actually very important.
What is immunity? Please refer to Snail Jun's professional article "What is exemption? Is it useful? 》
(3) Hospitalization allowance. It can be seen that it is actually an additional medical insurance for all-around baby, called all-around baby B. The so-called 200 yuan/day hospitalization allowance is extra and the price is not low. There are many cost-effective medical products on the market, and there is absolutely no need to attach this expensive type B.
(4) High disability, death and due reward. The high disability and death insurance premium is not the standard for serious illness, but it is definitely better than nothing, and it is better than just paying the premium to die safely ~ ~ and returning it when it expires. I just said it yesterday, so I won't go into details here. In short, it's not as beautiful as everyone thinks.
(5) Let's talk about the premium. Take a boy of 0 years old as an example. If you buy 500,000 yuan for 30 years and pay 10 years, plus the premium exemption, the annual premium is almost 6,000 yuan. If you open the premium, the price is another world.
To sum up, what Taikang Almighty Baby said is a bit unworthy of the name.
Third, Snail Jun summary
Although the insurance for babies is very important, it is more important for adults. Before buying insurance for your baby, you should first consider whether the parents' protection is complete. In addition, the baby's insurance basically only needs to consider serious illness+medical care+accidents, and it is not necessary to be so big and comprehensive. Don't expect a family bucket insurance to be really comprehensive.
As for buying life-long or regular critical illness insurance, it depends on the budget. If the budget is enough (for example, considering this omnipotent baby), you can buy a lifelong serious illness for your baby; If the budget is insufficient, you can buy a regular serious illness for your baby first, and wait until the budget is enough, or the child will be supplemented as needed when he grows up.
The remaining accident insurance and medical insurance will be supplemented according to the baby's situation. For example, babies under 2 years old are prone to get sick. If it is expensive to buy medical insurance, you can buy a child accident insurance with hospitalization, and the coverage of 1 to 50,000 is generally enough. Buying insurance, in addition to not buying financial insurance, the most important thing is to look at the cost performance.