It is understood that the probability of children suffering from malignant tumors and leukemia is already quite high and is on the rise. Appropriate disease protection can alleviate the pressure on the cost of treatment after the disease, so that children can get better rehabilitation conditions. However, there are a wide variety of insurance products for children on the field, and there are various items for protection. “Which insurance do you want to buy for your child?” and “How to arrange the order of purchase?” became the “70” for rational consumption. "80" parents have a headache.
In view of the several representative children's critical illness insurances on the field, we summarize and compare the nature of insurance, insurance coverage, insurance liability, insurance amount, insurance premium, etc., trying to comprehensively interpret children's major illness protection, for children. Provide a reference for the purchase of illness.
Online comprehensive evaluation ★★★★★
Practicality: ★★★★★ Price: ★★★★★ Guaranteed disease types: ★★★★Insured convenience: ★★★★★
Online e-shun children's illness Since the danger appeared on the field, it has received attention from all walks of life, and it is a purely secure type of serious illness insurance. This type of critical illness insurance can be regarded as the most cost-effective children's critical illness insurance product at present. It is known for its "low premium and high security". The overall rating is five stars and the practicality is five stars.
It is understood that this child's critical illness insurance includes 18 major diseases such as childhood malignant tumors, benign brain tumors, major organ transplants and severe burns among adolescents. Here we remind one point: when insuring children with severe illness, pay attention to some diseases that children are prone to. For diseases that are prone to occur, the more you protect, the better. Therefore, the number of diseases guaranteed online is not the most on the field, but the 18 diseases within the scope of protection are the highest incidence of children, the most practical, for the four stars
. In terms of price, online e-shun major illness insurance has Two options: one is 200 for 100,000 per year, and the other is 400 for 200,000 per year. The premium is the lowest among the insurance products of similar protection coverage, and is rated as five stars.
Because it is purchased online, all the steps of insured use online one-stop online application, online inquiry, online insurance, product evaluation and other business operations, claim settlement, premium renewal payment can also be quickly serviced. The channel is handled quickly, so the convenience of insurance is also the highest for all insurance products, which is five stars.Comprehensive evaluation ★★★★ Practicality: ★★★★ Price: ★★★★ Guaranteed disease types: ★★★ Insured convenience: ★★★★ The “guardian” children's basic protection plan is also rare and purely guaranteed. Dangerous, in terms of coverage, including malignant tumors, heart valve surgery, severe III degree burns, severe aplastic anemia, benign brain tumors, severe infantile rheumatoid arthritis and other 12 major children and children with major disease protection, and Online e-shun compared to children's critical illness insurance, there are six common major diseases, and the type of disease is Samsung. In terms of price, it is an insurance product with a guaranteed price of 200,000 at a high price of 3,152. Although it can also be insured online, its flexibility is still a little lacking, and it is necessary to manually confirm the policy. The convenience is four stars and the comprehensive rating is four stars. Life comprehensive assessment ★★★★ Practicality: ★★★★ Price: ★★★ Guaranteed disease types: ★★★★ Insured convenience: ★★★★ Compared with life, children’s critical illness insurance guarantees disease types Many more, to protect heart valves, benign tumors, acute myocardial infarction, acute or subacute severe hepatitis and other 22 kinds of children and children are common diseases, to ensure that the disease type is four stars. In terms of price, the annual turnover is as high as 3,000. The insured amount is only 100,000. For the pediatric leukemia with increasing incidence, the extra payment is 30%, and the price index is Samsung. Life insurance online insurance is relatively fast, and it is the same as online. It can quickly complete the insurance application on the Internet. It is four stars and is comprehensively rated as four stars. Life comprehensive evaluation ★★★ Practicality: ★★★ Price: ★★★ Guaranteed disease types: ★★★Insurance convenience: ★★★★ Compared with life, the “growth” of children’s critical illness insurance More, the protection is relatively comprehensive, can guarantee malignant tumors, chronic renal failure (uremic period), Kawasaki disease (with coronary aneurysm), progressive spinal muscular atrophy, viral encephalitis, suppurative Meningitis, fulminant hepatitis, type I diabetes, aplastic anemia, benign intracranial tumors, major organ transplants, severe brain injury, severe burns, and other major diseases or operations common to 15 children and adolescents, and the type of disease is guaranteed by Samsung. In terms of price, life insurance is 620 insured with an annual insurance quota of 200,000, which is a higher-priced product among similar insurance products. At the same time, life requires a fee of 25 to be guaranteed to 25, for Samsung. Life insurance can be applied online through its own application, and there are insurance guides to teach you how to insured online for four stars. Comprehensive evaluation is Samsung. Haier New York Life Insurance comprehensive assessment ★ ★ Practicality: ★ ★ Price: ★ ★ ★ Guaranteed disease types: ★ ★ ★ ★ insurance convenience: ★ ★ Haier New York Life's "additional Le Ning" children's critical illness insurance and the first few insurance products In contrast, there is a clear weakness, it must be attached to the insurance of the baby education, which is an additional risk, and the risk is greater. But the protection is more comprehensive, can guarantee malignant tumor, major organ transplantation or hematopoietic stem cell transplantation, end-stage renal disease (chronic renal failure uremia, multiple limb loss, acute or subacute severe hepatitis, benign brain tumor, chronic liver 26 major diseases such as decompensation, encephalitis sequelae or meningitis sequelae are four stars. In terms of price, Haier New York Life Insurance is 608 insured with an annual insurance amount of 200,000, and the price of life.Almost the same, but the payment is only 12, it can be guaranteed to 22, and the price is rated as Samsung. Although Haier New York emphasizes multi-channel marketing, it is almost the same as the traditional agent sales model. Each channel needs to be carefully improved to be two stars. In addition to guaranteeing the types of diseases, Haier New York is more dominant, and other aspects are weaker than other products, with a comprehensive rating of two stars.