4hw.com.cn: many families will consider buying insurance for their babies when they are very young. Children's insurance should pay attention to protection, followed by financial management, so how can children's insurance be cost-effective? Let's have a look.
Children's serious illness insurance is divided into three types according to the insurance period:
1. One year period;
2. Regular (10, 20, 30 years, etc.);
3. For life.
One year period: Although the unit price of the product is cheap, it can be continued year by year, which is troublesome and may not guarantee the renewal of the insurance. The types of diseases guaranteed are often not many, so it can only be used as a temporary transitional solution;
Regular: there are a lot of good value for money in the market, but they also face the problem of reselection when they are due. It's hard to say whether they will pay more or refuse to protect due to health problems
Lifetime: the premium is relatively high, the advantage is once and for all, buy a life insurance, avoid the situation that you want to buy in the future. In addition, the price of life-long type with death liability (death indemnity at the age of 18) is higher than that without death (death return cash value).
Of course, there is no right or wrong in choosing a fixed period or a lifetime. Everyone's consumption concept is different. Both have advantages and disadvantages. It's better to choose the one that suits you.
Recently, there happened to be a lot of life-long serious illness consultation between Bao PA and Bao ma. Today, I sorted out some for your reference and study:
1. Which families are suitable to buy life-long serious diseases for children?
2. How to choose children with serious illness?
3. Product evaluation, learning and selecting ideas
4. Specific product selection reference
Which families are suitable to buy life-long serious diseases for children?
1. The family adults have been equipped with insurance;
2. The premium budget is sufficient, and the child is expected to be provided with lifelong type;
3. Families who want to have high coverage with regular serious illness insurance for life.
How to choose a life-long serious illness insurance for children?
According to different family needs and budgets, there are multiple and single compensation for life-long serious diseases. Three aspects should be focused on:
(1) On the types of serious (mild) diseases
The purchase of children's life-long serious diseases can not only look at the parts for children's serious diseases. Since it is life-long, it is natural to take into account the high incidence of diseases among young people and the elderly. Therefore, the most important thing is to see the overall advantages and disadvantages of serious illness products.
(2) In the case of small premium difference, more serious diseases (light diseases) are preferred
Based on the analysis of previous claims data, the top 25 serious diseases stipulated by China Insurance Association and China Medical Doctor Association cover more than 90% of claims, which is high incidence of serious diseases; however, the new diseases can still improve the guarantee to a certain extent. (the same with mild illness)
(3) Priority with exemption
Exemption means that if you get the agreed insurance accident, the remaining premium will not be paid and the contract will remain valid.
For example, if an adult has one of the accidents (light illness / serious illness / death) Unfortunately, the child's premium will not need to be paid again, and the child's insurance will continue to be enjoyed, which is a very intimate design.
(4) Priority of services with added value
Now insurance companies pay great attention to value-added services. For example, Taikang has invested 5 billion yuan in hospitals, and Pingan good doctors are created by Pingan, because insurance is directly related to medical treatment.
Now, after the illness, the registration, experts and beds of good hospitals in China are extremely tense. If the insurance company can contact the top ten hospitals and departments in China for free, register, make an appointment and stay in hospital, then it is no longer too much trouble to take children to see a doctor.