So for newborns, do you need to buy insurance? What should I pay attention to when buying insurance? Senior, let me tell you!
If time is limited, you can check the summary version of the evaluation, and you can know all the information of Mommy Baby in a few minutes:
The new Mommy Baby Newborn Edition still has these shortcomings. ...
First, the new version of Mommy Baby's security content has been greatly improved!
As usual, let's look at the protection map first:
You can clearly know the guarantee content of the new version of Mommy Baby from the picture, but there are still many friends who are not sure about the quality of this product.
In order to let everyone know more thoroughly, the following seniors carefully analyze its advantages and disadvantages:
Advantages:
1, and the warranty period is optional.
Mommy Baby Newborn Edition provides six kinds of guarantee periods, which are 20/50/30 years or 70 /80 years/life. The insured can choose freely according to needs, which is more flexible.
In this way, even if the economic conditions are limited, children can be given a critical illness insurance, and at the same time, insurance opportunities can be provided to more groups.
2. Strong protection for children's special diseases
The new version of "Mommy Bao Bei" has designed extra responsibilities for children for specific diseases.
Among them, the extra payment 100% insurance coverage also includes 20 special diseases of children; More than a dozen children have a high incidence rate, such as leukemia, severe brain injury and severe hand, foot and mouth disease.
These major diseases are high-risk diseases of children, accounting for more than 90% of all serious diseases!
For children whose immune system and organs are not fully developed, these high-risk diseases are easy to encounter and the risks are too great.
Like leukemia, which is called "the first killer of children", leukemia is the second leading cause of death for children under 15.
It will recur and the treatment cost is not small: conventional chemotherapy and radiotherapy; Bone marrow transplantation; Recovery after surgery ... a series of treatments will cost at least hundreds of thousands!
So if the child is seriously ill, the treatment process is very long and the economic cost is very high. These hundreds of thousands of expenses are a huge sum for many families.
The new version of Mommy Bao Bei takes into account the fact that children suffer from serious diseases. If children have high incidence and serious illness, there will be 100% extra compensation to consumers! It can also be said that the money you get after getting sick is twice as much as before!
High insurance coverage can solve the economic problem of treating serious diseases in one step and effectively promote the medical process of children.
Senior sister also brought you several kinds of children's critical illness insurance, and the protection is also excellent:
"Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders! 》
Moreover, the proportion of compensation for five rare diseases of children in Mommy Baby Newborn Edition is as high as 300%.
The reason for this setting is that although children's rare diseases are not frequently-occurring diseases, once diagnosed, high treatment costs can only be borne silently.
One thing is said, Mommy Bob is really good at children's special diseases, which can be intimate and practical for children.
3. Excellent optional guarantee
Mommy Baby Newborn Edition has four guarantees to choose from, including secondary compensation for serious illness, secondary compensation for cancer, medical insurance for children's accidents and hospitalization allowance for children's accidents.
Because of these optional guarantees, the scope of protection has been greatly expanded, and these guarantees are common and useful.
Needless to say, once you are seriously ill, your body will definitely be worse than before, and your immunity and resistance will drop, making you more likely to get sick than healthy people.
In case of serious illness after the second examination, it is very necessary to make secondary compensation at this time, especially cancer, which is a serious disease and easy to persist, recur or develop. This second compensation must be available.
It should also be noted that these two allowances are designed to be paid. With these two guarantees, the cost of a day's hospitalization for accidental children will come back, reducing the financial burden on parents.
Mommy Bao Bei Newborn Edition has done a lot of work in child protection, which is very thoughtful, but there are still some defects:
The waiting time is a little longer.
The waiting period of the new version of Mommy Bao Bei is 180 days, and the waiting period of those good critical illness insurances on the market is three months shorter than his.
If the waiting period is not exceeded, an accident will happen. In this case, the insurance company can not compensate. So the shorter the waiting period, the better.
Parents should be careful about buying insurance for their children.
Generally speaking, the new version of Mommy Baby is still very good, which not only has a good guarantee, but also is very friendly to children. It is a serious illness product for children worth starting with.
Choosing a good product is very important, but this step is not enough. Parents should carefully consider these issues before placing an order.
Second, what problems should I pay attention to when buying critical illness insurance for newborns?
It is very beneficial to buy critical illness insurance. It can be used to compensate family income or as a medical reserve fund, which can help children and families with serious diseases. Therefore, we should pay special attention to these two points before buying, so as to make the protection of critical illness insurance more perfect.
1, the insured amount should be enough, at least 500 thousand.
The cost of serious illness treatment is generally more than 300 thousand.
In addition to treating diseases, it needs a lot of money, and a period of follow-up rehabilitation also needs a lot of money; It also includes the loss of income caused by parents taking care of their children during their illness. Therefore, the coverage of critical illness insurance is best to reach three to five times the annual household income.
Faced with these needs, when considering critical illness insurance for children, we should consider allocating 500,000 insurance coverage.
2. The coverage of high-risk species is comprehensive, and the special diseases of children are fully guaranteed.
Children's critical illness insurance should pay attention to whether there are special diseases for children, whether there are diseases that children often get, whether the protection of these diseases is sufficient, and so on.
You can take a look at this nationwide comparison table of children's critical illness insurance, and you will know which product is good at a glance:
Designed for children aged 0! The national popular 136 critical illness insurance comparison table.
Senior once again reminds everyone not to blindly choose the so-called best, but to choose the one that suits you best.
If you want to buy critical illness insurance for newborns, it is naturally best to have special critical illness insurance products for children to meet the protection needs of children. Regarding children's critical illness insurance, seniors and seniors recommend Mommy Bao Bei Newborn Edition, so parents can rest assured.
In addition, the principle of insurance purchase needs to remind everyone, that is, "adults first, children later."
If you still lack a health insurance, get ready to act immediately.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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