Children pay more attention to double diseases, double protection is more intimate
According to statistics, there are about 300 million children under the age of 14 in China, and there is one child with malignant tumors per 10,000 children. The incidence rate is increasing at a rate of 5% every 5 years. Cancer has become The number one killer that causes children to die. Among them, China has an annual increase of 30,000 to 40,000 children with malignant tumors, and one third is leukemia. Leukemia ranks first in the incidence of childhood cancer.
In the face of the threat of cancer and other critical illnesses, parents must not only keep their children away from all kinds of sources of abuse, but also prepare for the emergency. Among them, it is a wise choice to buy a health insurance for your child.
Xincheng Life Insurance recently launched the “Long-term Growth†child health insurance program, which can be insured for 7 days after birth. The product is guaranteed to cover up to 43 critical illnesses, including the most common critical illnesses in 10 children, such as leukemia, severe hand, foot and mouth disease, Kawasaki disease, severe asthma, poliomyelitis, etc. For these 10 kinds of children's exclusive critical diseases, Xincheng has set up special care insurance to provide double insurance. It is terrible for children to suffer from cancer, but according to authoritative medical reports, as long as early detection and early treatment, 70% of children can be cured, and the cure rate is higher than that of adults.
In addition to providing comprehensive critical illness protection, during the hospitalization period, Xincheng will also pay a daily hospitalization allowance of up to 750 yuan/day for a total of 450 days, so that Guanai has been accompanying the child.
Accidental protection is widely used, and hospitalization is more secure.
Toddler, learn to ride a stroller, climb up and down, play games... When children grow up, they will inevitably bump and touch, and the vulnerable body will be hurt. If the symptoms such as cold and fever are not handled properly, you may need to be hospitalized for professional care. In addition to providing comprehensive critical illness protection, Xincheng's “Yue? Growth†children's long-term health protection plan also includes insurance for accidental injury and hospitalization allowance. If a child needs treatment for an accidental injury, the outpatient and hospitalization expenses can be reimbursed. Regardless of whether you need to be hospitalized due to an accident or illness, you can get a hospital allowance of up to 250 yuan / day to give your child the most comprehensive care.
In response to the child's multiple accidents, Xincheng's "Yue. Growth" children's long-term health protection plan has added protection to the insured's unfortunate accidental disability. At the same time, in view of the fact that children spend a lot of time in the school and it is easy to have accidents in the school, Prudential Life provides special protection for accidental injuries on campus. If the insured person is completely disabled due to accidental injury in the school, he will pay 10 times the amount of insurance, so that he or she will always be accompanied.
Double exemption premium, full refund upon expiration
Xincheng's “Yue? Growth†children's long-term health protection plan not only considers providing comprehensive protection for children, but also extends the protection to policyholders. The entire insurance plan provides a dual premium waiver. If the insured suffers from the critical illness as stipulated in the contract, Xincheng will pay the insurance premium on behalf of the insured, and the remaining accidental medical care, hospitalization allowance, accidental disability and other guarantees will continue to be effective. If the insured person unfortunately suffers from a critical illness, disability or death, Xincheng will also pay the insurance premium on behalf of the customer to reduce the family burden. The insured continues to enjoy protection and let love continue.
It is understood that children born between 7 days and 15 years of age can insure the product. After the 20-year contract expires, Xincheng will also return all the premiums already paid by the customer, which is equivalent to preparing a red envelope, which can be used as a child's education, marriage, and entrepreneurship.
Case presentation
Mr. Xin is very happy at the age of 30. In order to give all the care to the baby, after careful consideration, Mr. Xin purchased the long-term health protection plan for the "Yue? Growth" children's long-term health protection plan for the newborn son. The amount is 200,000 yuan, the special care insurance premium is 400,000 yuan, the annual premium is 13945.8 yuan, the payment period is 10 years, and the guarantee period is 20 years. When the baby grows healthy to 20 years old, Mr. Xin will receive a 100% premium refund, totaling 139,458 yuan.
When the insured was 4 years old, he was unfortunately suffering from leukemia. He was in need of hospitalization. Mr. Xin’s family was anxious. Xincheng Life immediately acted to provide customers with the following guarantees to help Mr. Xin’s family overcome the difficulties:
After the insured has been diagnosed, Xincheng Life will pay a special care insurance premium of 400,000 yuan in accordance with the contract, and pay a long-term hospitalization allowance of 450 yuan per day for 200 yuan/day, and a general hospitalization allowance of 100 yuan/day.
Mr. Xin has paid a four-year insurance premium of 13945.8*4=55783.2 yuan. In order to alleviate the family burden of Mr. Xin, Xincheng will waive the 6-year premium payable of 83674.8 yuan, and the waiver of insurance premiums is deemed to have been paid.
After many efforts and careful treatment, the baby finally recovered. In the days that follow, Xincheng will continue to provide other insurance coverage and continue to guard him until he reaches the age of 20 and return all the insurance premiums of 139,458 yuan.
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