When considering critical illness insurance for their children, parents often pay attention to the ranking of children's critical illness insurance.
However, due to the wide variety of critical illness insurance products, it is not easy to establish the exact ranking of children's critical illness insurance.
Here, we provide an in-depth analysis of the relevant issues and the key factors to look out for when purchasing children's critical illness insurance.
Children's Critical Illness Insurance Ranking
What do you need to pay attention to when buying children's critical illness insurance?
Daddy concluded
OneChildren's Critical Illness Insurance Ranking
Although the ranking of children's critical illness insurance is difficult to answer, we can take a look at several popular children's critical illness insurance products at present.
The following are the products sorted out by Daddy, let's take a look:
*The content of 5 children's critical illness insurance products is shown, and these products do not actually have a so-called "ranking", after all, everyone's needs are different.
You can choose the right children's critical illness insurance product based on your own protection needs.
For example, if you want to get multiple claims for critical illness, you can consider Xiaoqinglong No. 2.
Xiaoqinglong No. 2 Critical Illness will be paid up to 3 times, with separate claims with an interval of 365 days.
If you want to get more comprehensive critical illness protection, you can consider this product.
For example, if you want to extend the payment period, you can consider Bumblebee No. 9.
The maximum payment period of this product is 35 years, which can effectively reduce the pressure of policyholders to pay premiums.
If you want to increase critical illness protection for your children, you can consider McDull from Huagui Life.
It only has critical illness protection, if you have already configured a comprehensive critical illness insurance and want to increase your protection, you can choose this product.
All in all, there is no unified answer to the ranking of children's critical illness insurance, and it depends on the protection needs of the insured.
IIWhat do you need to pay attention to when buying children's critical illness insurance?
The above dad has briefly analyzed the ranking of children's critical illness insurance, so what are the specific issues that need to be paid attention to when buying children's critical illness insurance?
The following dad will take stock and analyze for you:
Select the appropriate sum insured
If the sum insured is too low, it may not cover the cost of critical illness**, and if the sum insured is too high, it may lead to excessive premium pressure.
Generally speaking, the recommended sum insured for children's critical illness insurance is between 300,000 and 500,000 yuan.
Understand the terms of the insurance
Before purchasing a children's critical illness insurance, you should understand the terms of the insurance policy in detail, especially regarding the coverage of coverage, the claims process and exclusions.
This will ensure that the product you buy meets your needs and that you will be able to get reimbursed if you need to make a claim.
Pay attention to the exemptions
When choosing a children's critical illness insurance, you should pay attention to whether the exemption clause includes a parental exemption.
If the parent has an accident or illness during the premium payment period, the remaining premium will be waived and the child's coverage will continue to be in effect.
Prioritize long-term protection
When choosing children's critical illness insurance, you should prioritize long-term protection, which can provide more comprehensive protection for your child.
At the same time, the premiums for long-term protection are usually more cost-effective than those for short-term protection.
Pay attention to health notices
When purchasing children's critical illness insurance, health notification is required.
Parents should truthfully inform their children about their health conditions, including past medical history, family medical history, etc.
If there is any concealment or misrepresentation, it may affect the subsequent claim.
Pay attention to the insurance period and the payment period
When purchasing children's critical illness insurance, you should pay attention to the length of the insurance period and the payment period, as well as whether it meets the family's financial situation and the child's long-term protection needs.
Paired with other benefits
Although children's critical illness insurance is an important part of children's protection, parents should not ignore other benefits, such as hospitalization medical insurance, accident insurance, etc.
These benefits can provide more comprehensive risk coverage and provide more comprehensive protection for your child.
3. Daddy's summary
All in all, there is no definitive answer to the ranking of children's critical illness insurance, and it needs to be determined according to each person's specific protection needs.
However, insuring a child needs to take into account a number of factors, such as choosing the right amount of insurance, paying attention to reading the terms of the insurance carefully, and understanding the health notice.