Critical illness insurance is an important insurance product designed to provide protection to individuals against hidden losses caused by illness. Although some people may think that it is not necessary to buy critical illness insurance for their children, in fact, once a child is sick, he needs to be taken care of by his family and takes him to seek medical treatment, which brings a lot of hidden losses. In addition, from another point of view, children are also a high-incidence group of critical diseases, such as juvenile leukemia, severe hand-foot-and-mouth disease, neuroblastoma, etc. Therefore, it is very necessary to purchase critical illness insurance for children, which can ensure that they are fully protected when they face the risk of illness, avoid poverty due to illness, and reduce the financial burden on the family.
Therefore, we should seriously consider the issue of purchasing critical illness insurance for children, especially in the current social context, where family financial pressure is increasing, and a suitable critical illness insurance can provide a real protection for families.
*From the official website of Huize Insurance.
Recently, there has been a star player in the children's critical illness insurance market, and that is Little Naughty No. 2. This product claims to be guaranteed for a lifetime of only more than 1,000, which has attracted the attention of many consumers. A lot of people are waiting and seeing, not sure if it really has such a high value for money. However, I can tell you with certainty that yes!Naughty No. 2 Children's Critical Illness Insurance is indeed an insurance product worth considering.
*From the official website of Huize Insurance.
First, let's take a look at the coverage of Naughty 2. The basic protection of this product is relatively comprehensive, taking the sum insured of 500,000 yuan as an example, the coverage for critical illness has reached 117, the coverage for mild illness has reached 43, the coverage for moderate illness has reached 30, and there are 20 kinds of special diseases for children and 20 kinds of rare diseases. These benefits not only cover 15 types of high-incidence critical illnesses in children, but also pay 2 for the highest 3 types of critical illnesses2 times the sum insured. This means that if you buy 500,000 sum insured, you can pay up to 1.1 million in insurance benefits.
*From the official website of Huize Insurance.
In addition, Naughty No. 2 Children's Critical Illness Insurance also has a very practical optional benefit, which is an additional compensation for the first 30 years. Many children's critical illness insurance plans limit the additional benefits to the first 10-15 years, while the additional benefits for Naughty 2 can be up to 30 years. If you purchase 500,000 sum insured and attach this benefit, it is equivalent to purchasing an additional critical illness insurance with an sum assured of 300,000 yuan and 30 years of coverage. From the point of view, the premium required to add this protection only needs to add about 200 yuan, which is much cheaper than buying a single critical illness insurance policy for 30 years.
*From the official website of Huize Insurance.
In addition, Little Naughty No. 2 also comes with its own ICU hospitalization insurance benefit. Even if you are admitted to the ICU ward due to non-serious, moderate or mild reasons, you can pay the ICU hospitalization insurance benefit at 1,000 yuan per day. 1 day deductible per policy, 90 days per policy year, 30% of the basic sum assured. This innovation is very user-friendly, and even if you don't meet the conditions for severe, moderate and mild illnesses, you still have the opportunity to get paid. For example, the child is in infancy, has poor immunity, and is more likely to be hospitalized. This insurance benefit covers the ICU hospitalization, which broadens the claim scenario, and the daily allowance of 1,000 yuan is still considerable.
*From the official website of Huize Insurance.
To sum up, the Little Naughty No. 2 Children's Critical Illness Insurance performs well in terms of coverage, additional compensation, and protection. Not only does it provide an effective guarantee for your child's health, but it also covers additional costs and provides stable financial support for the future. For those who have a limited budget, want good protection, more flexibility, and a lower claim threshold, Naughty 2 is a very good choice. It really deserves the title of "cost-effective".