Those friends are thinking, can you use your monthly income of 9000 to buy serious illness insurance for Bao Bei? Actually the answer is yes.
It is a kind of critical illness insurance for children. Because the children are small, the premium is not very high. It takes 1300 yuan for a 0-year-old boy to buy 300,000 yuan to choose the basic responsibility, so this month's income is obviously enough to buy this insurance ~ So is this product good? We need to look down ~
Before we begin, let's take a look at the comparison between the critical illness insurance for children with true love Bobbie and other best-selling critical illness insurance for children:
136 national comparison table of universal critical illness insurance for minors
1. What is the price/performance ratio of the critical illness insurance for children who really love Bobbie? Is it worth buying?
Let's first take a look at the protection content of Bao Bei's children's critical illness insurance:
Thus, the protection content of children's critical illness insurance that really loves Bao Bei is very good. Children aged 28 days to 17 can choose to be insured until they are 70 years old or for life according to their own budget.
The following senior sister will give you an evaluation of the critical illness insurance for children who really love Bao Bei ~
What are the advantages of critical illness insurance for children?
1, critical illness insurance guarantees strong compensation
There are rules for the critical illness insurance of children who really love Bao Bei. If the insured under the age of 25 is diagnosed with a serious illness, he can get 100% of the basic security amount and 200% of the total security amount.
For example, Xiaoming's mother bought him a 300,000-insured True Love Bao Bei Children's Critical Illness Insurance. Before the age of 25, if you are unfortunately diagnosed with a serious illness as agreed in the contract, you can get 300,000 basic compensation+300,000 additional compensation = 600,000.
A policy can get twice the compensation, and it is really good to protect the serious illness of children's critical illness insurance!
2, leukemia care insurance is practical.
We can know from the research report made by China Red Cross Foundation that there are about 40,000 new cases of leukemia in China every year, of which half are children, mainly in the age group of 2-7.
A survey of 1.229 families of children with leukemia shows that the average debt of children with leukemia needs to be repaid exceeds 1.4 million, and the medical expenses of 7 1.68% families exceed 300,000.
The leukemia care insurance provided by the children's critical illness insurance of True Love Babe is very practical. Before the age of 25, there was compensation for serious illness. If the serious illness is not within the scope of the contract, one year later, the insured suffers from leukemia for the first time and pays 100% of the basic insurance amount.
Senior, take Xiaoming as an example. Xiaoming's serious illness at the age of 65,438+07 does not need to be considered leukemia. He got 600,000 yuan after serious illness settlement, but unfortunately, he was diagnosed with leukemia at the age of 19. At this moment, you can also get 100% of the basic insurance amount from the insurance company (that is, 300,000 yuan).
I have to say, it's great that children have critical illness insurance.
Everyone must be careful. The critical illness insurance for children who really love Bob still has this defect:
1, malignant tumor lacks secondary compensation.
In general, more than 63% of claims in critical illness insurance are malignant tumors. Moreover, 60% of patients with malignant tumors will relapse after discharge. Therefore, the insured who bought the second payment of critical illness insurance for malignant tumor can go to the second treatment with more peace of mind.
Few people will like this aspect of true love baby critical illness insurance.
In short, the price-performance ratio of critical illness insurance for children who really love it is not low, and the monthly income of 9000 yuan is also affordable. However, can you buy critical illness insurance for your child at will? Senior sister thinks you should try to buy millions of medical insurance and accident insurance for your children ~
Second, in addition to critical illness insurance, what insurance do you need to buy for your child?
1, millions of medical insurance
Millions of medical insurance can reimburse hospitalization expenses, and the annual premium does not exceed several hundred yuan, and the insurance amount can reach more than one million.
Millions of medical insurance products with unlimited social security coverage are very popular now, and many drugs for external use of social security are within their reimbursement scope, which is simply low-cost and high-quality!
Take the exclusive E-student 202 1 as an example, the medical security is as high as 6 million, and major diseases will be compensated, which expands the specific drug security outside the hospital. Thanks to interested friends, you can poke here directly:
What is the cost performance of the newly upgraded exclusive e-student 202 1? 》
2. Accident insurance
Children's nature is to love to play, and low safety awareness will inevitably cause some minor pain.
An accident insurance can reduce the medical expenses caused by many accidental injuries. However, you don't need tens of thousands of dollars a year, and a few hundred dollars can provide an accidental risk protection for your child. Such a high cost performance is still worth buying!
Some time ago, PICC launched the Children's Accident-Advanced Medical Edition, which is quite good. The insured may also get accident medical insurance, and the reimbursement amount is 654.38+10,000 yuan.
There are many accident insurances that are very suitable for children. The following article is the collation of them by senior sisters:
"10 The most worthwhile child accident insurance inventory! 》
Summary: Guohua Insurance has indeed allocated a very good additional compensation for the critical illness of its true love Babbitt children. The leukemia care insurance is very practical, which shows that it is also very cost-effective, and it is worthy of everyone's equipment, but don't forget to allocate millions of medical insurance and accident insurance for children, and provide them with more adequate protection ~
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!