Many people think that a child's illness is nothing more than a small problem of headache and brain fever, and there is no need for children's critical illness insurance. However, this thinking is just wishful thinking on the part of parents. In fact, the probability of children and adolescents suffering from serious illness is not low. Pediatric malignant tumors have become a major killer of children's lives. In the past decade, its incidence has been increasing. Among them, leukemia is even more prevalent, with tens of thousands of new cases every year. For the average family, the cost and long-term care and companionship are undoubtedly a big mountain. The payout of children's critical illness insurance can effectively transfer this risk.
Children's critical illness insurance is much cheaper than **, and the earlier you buy it, the more cost-effective. Therefore, parents should recognize the importance of children's critical illness insurance and purchase the right children's critical illness insurance for their children in a timely manner to provide them with a guarantee for their future. Don't wait until your child is sick to regret not having the protection in advance.
Among the many children's critical illness insurance products, Xiaoqinglong No. 2 Children's Critical Illness Insurance has become a popular player with its unique advantages and attractiveness. Today, we're going to take a closer look at what this insurance product is worth, what kind of protection it has, and whether it's worth buying.
*From the official website of Huize Insurance.
Highlight 1: The premium is close to the people, and multiple claims are leveraged with a single critical illness claim product**.
The premium of Xiaoqinglong No. 2 Children's Critical Illness Insurance is relatively affordable, although it has increased slightly compared to Xiaoqinglong**, but it still belongs to a more reasonable category. In terms of compensation, Xiaoqinglong No. 2 has upgraded the original single claim to multiple claims for critical illness insurance, and critical illness can be compensated up to 3 times. 100% of the basic sum assured will be paid for the first critical illness claim, 120% of the basic sum assured will be paid for the second critical illness claim after an interval of 1 year, and 120% of the basic sum assured will be paid for the third critical illness benefit after an interval of 1 year. Such payout rules are very cost-effective in multi-payout products.
*From the official website of Huize Insurance.
Highlight 2: Comprehensive protection and further improvement of the scope of insurance.
The protection of Xiaoqinglong No. 2 is comprehensive, and the scope of insurance has been further improved. The number of critical illnesses covered by this product is as high as 128, with wide coverage and comprehensive coverage. Among them, the number of rare diseases has reached 16, including leukemia, severe hand, foot and mouth disease, severe aplastic anemia and other high-incidence special diseases in children, all of which can be covered additionally. It can be seen that in the area of children's specific diseases and children's rare diseases, whether it is the amount of compensation insured or the number of disease protection, Xiaoqinglong No. 2 belongs to the first echelon of products.
*From the official website of Huize Insurance.
Highlight 3: Great value for money, value-added services are very rich.
The value-added services of Xiaoqinglong 2 are very rich. Value-added services are the "best service" of insurance companies, which can save a lot of worry at critical moments. The value-added services of Xiaoqinglong No. 2 are divided into 2 categories, and there are 28 types. Including CAR-T medical service (1 time), *unlimited), online assessment (unlimited), critical illness outpatient green pass (1 time), critical illness inpatient surgery green pass (1 time), critical illness MDT multidisciplinary consultation (1 time), critical illness psychological counseling (1 time), critical illness examination expedited (1 time), critical illness post-hospital care guidance (1 time), etc., all of these services reflect the excellent value for money of Xiaoqinglong 2.
In general, the ** setting of Xiaoqinglong No. 2 Children's Critical Illness Insurance is more reasonable, whether it is basic protection or optional liability add-ons, it can basically meet the current diversified critical illness needs. The payout rules are also very friendly, which really puts the protection into practice and gives us more peace of mind.
*From the official website of Huize Insurance.
Therefore, for parents who want to provide comprehensive and reliable protection for their children, Xiaoqinglong No. 2 Children's Critical Illness Insurance is undoubtedly an option worth considering.