There has never been a shortage of good products in the children’s critical illness insurance market, especially from Junlong Life Insurance Company , which has made rapid progress in the past two years. Its Xiaoqinglong children’s critical illness insurance ranks among the best in children’s critical illness insurance and has now been upgraded to Xiaoqinglong No. 3 .
Xiaoqinglong No. 3 is a children’s critical illness insurance with multiple payouts, including 4 payouts for serious illnesses without grouping, up to 6 payouts for moderate and mild illnesses, additional payouts for children’s special diseases / rare diseases, expanded payouts for cancer, and additional payouts for bone marrow transplantation / autism, and a number of optional liabilities.
Next, let’s take a look at the protection of Xiaoqinglong No. 3 Children’s Critical Illness Insurance, how much does it cost, and how to buy it?
Xiaoqinglong No.3
1. What is the coverage of Xiaoqinglong No. 3 Children’s Critical Illness Insurance?
Let’s first take a look at the basic protection information of Xiaoqinglong No. 3 Children’s Critical Illness Insurance:
Xiaoqinglong No.3
1. The basic protection of Xiaoqinglong No. 3 Children’s Critical Illness Insurance includes:
( 1 ) Serious illness, moderate illness and mild illness protection
128 major diseases, up to 4 compensations , 100%/120%/140%/160% of the insured amount respectively ;
A total of 6 compensations were paid for 30 moderate illnesses and 52 mild illnesses , with 60% and 30% of the insured amount paid respectively.
( 2 ) Special disease / rare disease protection
Xiaoqinglong No. 3 covers 20 special diseases for children and can receive compensation of 120% of the insured amount. It covers 16 rare diseases and can receive compensation of 200% of the insured amount, with each type of compensation paid 4 times.
( 3 ) Cancer extended benefits
It comes with extended cancer benefits. If you are diagnosed with carcinoma in situ or mild cancer and then later diagnosed with malignant tumor – severe, you can get an additional 50% of the insured amount of cancer extended benefits.
( 4 ) Leukemia bone marrow transplant insurance
Xiaoqinglong No. 3 also adds leukemia bone marrow transplant insurance. If a bone marrow transplant is required before the age of 18 , an additional 50% of the insured amount can be compensated.
If a child needs a bone marrow transplant, Xiaoqinglong No. 3 provides an additional 50% of the basic insurance amount as claim, which can greatly reduce the financial burden of treating leukemia.
Xiaoqinglong No. 3 Leukemia
( 5 ) Protection for children with autism
For children diagnosed with autism and receiving rehabilitation treatment for autism in designated rehabilitation institutions, reasonable and necessary rehabilitation treatment expenses incurred will be paid at 15% of the rehabilitation treatment expenses ;
For severe autism, there will also be a severe autism guarantee fund, which will pay 20% of the basic insurance amount . For example, if the insurance amount is 500,000 , an additional 100,000 will be paid .
We know that the cost of rehabilitation training for children with autism is usually relatively high. The autism protection provided by Xiaoqinglong No. 3 can also reduce the financial pressure on families.
Xiaoqinglong No.3
2. The optional coverage of Xiaoqinglong No. 3 Children’s Critical Illness Insurance includes:
( 1 ) Optional unlimited cancer compensation
Xiaoqinglong No. 3 upgrades the cancer additional compensation to unlimited compensation:
The first three times , 40%/50%/30% of the insured amount will be paid respectively , with an interval of 180 days or 1 year;
From the fourth time to an unlimited number of times, if the patient is still in a severe malignant tumor state after three years, he or she can still receive corresponding compensation, with the compensation ratio being 50 % of the insured amount.
( 2 ) Optional Disease Care Fund
Xiaoqinglong No. 3 also offers optional disease care benefits, which can provide additional compensation protection when mild, moderate or severe diseases occur.
( 3 ) Optional hospitalization allowance
For hospitalization for severe / moderate / mild illness, compensation will be made at 200% , 150% and 100% of the daily allowance amount and the number of hospitalization days respectively, with a maximum compensation of 180 days; for accidental hospitalization, compensation will be made by multiplying the number of hospitalization days each time by the daily allowance amount, with a maximum compensation of 90 days.
3. Value-added health services include:
Xiaoqinglong No. 3 Children’s Critical Illness Insurance also provides a series of value-added health services, including unlimited online video doctor consultation services for children, spinal rehabilitation services, and warm white services for children with leukemia, to more comprehensively protect the healthy growth of children.
Xiaoqinglong No.3
2. How much does Xiaoqinglong No. 3 Children’s Critical Illness Insurance cost ? How to buy it?
Xiaoqinglong No. 3 Children’s Critical Illness Insurance not only provides comprehensive protection but also has reasonable pricing. Parents can choose a suitable plan for their children based on their family’s own circumstances and budget.
If the budget allows, it is recommended to choose lifelong insurance for your child with basic liability, a coverage of 500,000 yuan, and 35 years of payment. The cost for a 0 -year-old boy is 1,940 yuan / year, and for a 0 -year-old girl is 1,775 yuan / year. Then add on the protection for common cancers, with unlimited compensation for cancer after the addition. The cost for a 0 -year-old boy is 2,270 yuan / year, and for a 0- year-old girl is 2,200 yuan / year.
But if your budget is limited, you can insure your child for 30 years without any additional protection, which is more cost-effective.
3. Relaxation of the time limit for manual underwriting of Xiaoqinglong No. 3 Children’s Critical Illness Insurance
Also, there is good news!
For parents who were previously blocked from purchasing Xiaoqinglong Children’s Critical Illness Insurance for their children, from June 1st to June 18th , Xiaoqinglong No. 3 Children’s Critical Illness Insurance will relax manual underwriting for a limited time, and more babies will have the opportunity to purchase this product!
Detailed underwriting policy:
Relaxation of underwriting for Xiaoqinglong No. 3
In this manual underwriting optimization policy, the previous age limit for many diseases has been cancelled, and the cure period for some diseases has been relaxed accordingly. There are a total of 15 diseases, and the restrictions have been relaxed to varying degrees. If you were unable to purchase Xiaoqinglong No. 3 insurance due to health conditions before , you can take advantage of this favorable policy to purchase it for your child.
4. Summary
In general, Xiaoqinglong No. 3 Children’s Critical Illness Insurance is comprehensive, inexpensive, and highly cost-effective. It not only provides multiple claims, but also provides additional protection for children with leukemia and autism. At the same time, the price is also reasonable, allowing more families to avoid the financial pressure that their children may face when they have a serious illness. It is a critical illness insurance product worth buying for children.
