Next, senior sister will take you to explore!
If you want to look at the evaluation of seniors from another angle, you may wish to poke the following first:
"Can Shanghai Life's critical illness insurance provide comprehensive protection? Be sure to read the evaluation before buying! 》
1. What about the critical illness insurance of Shanghai Life? What are the advantages and disadvantages?
As usual, let's take a look at the protection map of Shanghai Life's critical illness insurance:
From the above figure, we can know the information such as the guarantee period, insurance age, payment period, waiting period, basic responsibility and optional responsibility.
Shanghai Life Shanghai Baby Critical Illness Insurance is a critical illness insurance for children. Children aged 0- 17 have the opportunity to be insured. In addition, they will support lifelong protection after insurance.
So, can this product provide children with lifelong comprehensive protection?
Senior sister will take you to study the advantages and disadvantages of this product:
1, Advantage 1: Comprehensive guarantee
The protection of Shanghai life critical illness insurance is divided into two parts: basic responsibility and optional responsibility.
The basic responsibility is compulsory insurance, including minor, moderate and severe diseases, extra compensation for serious diseases, exemption of the insured, extra compensation for special/rare diseases of children, and death/total disability protection.
Optional liability is an additional guarantee combined with its own actual situation, even malignant tumor-severe secondary compensation, and the insured's exemption guarantee.
Generally speaking, many comprehensive critical illness insurance products cover mild, moderate and severe illness protection ~
Shanghai Life Insurance Shanghai Baby's critical illness insurance covers 1 10 kinds of serious illness, 20 kinds of moderate illness and 45 kinds of minor illness.
But also provide additional compensation guarantee for 20 special diseases of children and 10 rare diseases of children.
We should know that some diseases with high incidence and high treatment cost are called special diseases for children and rare diseases for children.
If the insured unfortunately gets this disease, the whole family will face greater income pressure.
Only the critical illness insurance of Shanghai Life has special protection for this, and the protection is still relatively targeted.
In addition, the protection of the insured's exemption is also particularly intimate.
After all, if the insured is unfortunately out of danger during the payment period, it is likely that the effectiveness of the policy will be affected because he can't continue to pay the premium.
If only the insured is exempted, if an accident happens unfortunately, not only the subsequent premium of the policy does not need to be paid, but also the effectiveness of the policy will not be affected.
Moreover, in the event of unfortunate death or total disability during the protection period, the insurance company will also bear the responsibility of claim settlement.
In fact, it will definitely not be "wasted" to insure this critical illness insurance.
2. Advantage 2. A lot of compensation.
Shanghai Life Insurance Shanghai Baby's Critical Illness Insurance has additional critical illness compensation, and those who meet the requirements can pay 50% more of the basic insured amount.
However, if you are unfortunate enough to suffer from special diseases or rare diseases of children and meet the requirements for compensation, you can pay 300% or 350% of the basic insurance amount respectively.
If the insured amount is 500,000 yuan, if the child unfortunately suffers from a rare disease, the maximum compensation can be 1.75 million yuan.
If it is within the payment period, in that case, the subsequent unpaid premium can be exempted.
It can be seen that Shanghai Life Insurance not only fully protects the critical illness insurance of Shanghai baby, but also pays a lot. The guarantee is still very satisfactory, and it is really worth starting!
Similar products on the market can be compared with Qingyunwei No.2 children's critical illness insurance under China Merchants Renhe. Its protection is more comprehensive, the payment is online ~ and the insurance flexibility is higher. If you are interested, you can have a look:
How about China Merchants Renhe Qingyunwei No.2 critical illness insurance for children? You will know after reading it! 》
3. Pay attention to the waiting period
Shanghai Life Insurance has a waiting period of 180 days for Shanghai baby's critical illness insurance.
Generally speaking, during the waiting period, the insurance company has the right not to assume the responsibility of claim settlement, and will refund the premium paid without interest, and terminate the insurance contract at the same time.
However, it should be noted that the waiting period of some similar products on the market is only 90 days.
At the same time, if some critical illness insurance is unfortunately diagnosed as minor illness due to non-accidental injury during the waiting period, it is only required to terminate the liability, but the contract will continue to be valid.
In contrast, there is still room for improvement in the setting of waiting period for Shanghai Life's critical illness insurance.
2. Is the critical illness insurance of Shanghai Life Insurance Shanghai Baby worth buying?
Generally speaking, Shanghai Life's coverage of critical illness insurance is relatively comprehensive, with more compensation and friendly protection in all aspects, but attention should be paid to the waiting period.
In addition, seniors also arranged other excellent children's critical illness insurance for everyone. If you are interested, you can have a look:
"Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders! 》
Write it at the end
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