Xiaoqinglong No. 3 is launched, and the King of Rolls of children critical illness insurance has changed hands again!

Following Xiaoqinglong No. 2, Junlong Life Insurance launched Xiaoqinglong No. 3, which officially became the "King of Volumes" in the current children's critical illness insurance market!

Xiaoqinglong No. 3 not only increases the number of critical illness compensations, but also innovatively adds autism and leukemia protection.

It can be seen that Xiaoqinglong No. 3 has made many adjustments, mainly 6 points:

① Innovative compensation for leukemia and autism: New leukemia bone marrow transplantation and autism protection

② Adjustment of payment period: Added 35 years, with higher leverage;

③ Increased number and proportion of serious illness compensation: The number of serious illness compensation has increased to 4 times, and the compensation ratio has been increased;

④ Optimization of compensation rules for mild and moderate diseases: After 90 days of serious illness compensation, mild and moderate diseases in non-same group will continue to be valid, and the restrictions on the first serious illness will be cancelled;

⑤ Increased number of compensation for specific serious diseases and rare diseases: The number of compensations has been extended to 4 times each;

⑥ Increased cancer compensation: Added cancer expansion insurance; Adjusted the second cancer compensation (3 years interval) to unlimited cancer compensation (365 days and 3 years interval).

Next, let's talk about the following 4 points in detail:

1. Innovative compensation for leukemia and autism

① Autism liability, including two parts:

●Children's severe autism disease insurance: Children diagnosed with severe autism disease can be compensated 20% of the basic insurance amount if the conditions are met.

●Children's autism disease rehabilitation insurance: The cost of rehabilitation treatment in designated institutions for children aged 3-7 years old is directly settled at 15%, and the cumulative basic insurance amount is limited to 100% during the insurance period.

Autism liability requires the insured age to be 0-1 years old, with certain restrictions.

② Leukemia liability, new children's leukemia bone marrow transplant insurance.

For leukemia bone marrow transplant surgery before the age of 18, an additional 50% of the basic insurance amount will be paid.

For example: insure a 0-year-old baby with a coverage of 500,000.

At the age of 3, a total of 1.35 million yuan can be compensated for a bone marrow transplant for leukemia:

500,000 yuan * 100% of critical illness insurance + 600,000 yuan * 120% of specific disease insurance + 500,000 yuan * 50% of leukemia bone marrow transplant insurance

This responsibility is a rare supplementary protection for leukemia in the market, allowing more insurance to be paid for high-incidence critical illnesses in children.

2. Optimization of compensation rules for mild and moderate diseases

For Xiaoqinglong No. 2, 90 days after the first critical illness payment, the combination of non-same group of mild and moderate diseases can be compensated 6 times, but after the second critical illness payment, mild and moderate diseases cannot be compensated.

For Xiaoqinglong No. 3, the restriction of the first critical illness is removed. As long as the critical illness is paid for 90 days, non-same group of mild and moderate diseases can be compensated. This upgrade is very excellent.

3. Increased number of compensations for specific critical illnesses and rare diseases

For many children's critical illness insurance, children with high-incidence critical illnesses only pay one additional time, and this responsibility ends after the payment.

Xiaoqinglong No. 3 can be compensated up to 4 times for specific diseases of children, with 120% of the basic insurance amount paid each time; rare diseases can also be compensated up to 4 times, with 200% of the basic insurance amount paid each time, and the protection of children's serious diseases is higher and sufficient.

4. Cancer compensation bonus

Xiaoqinglong No. 3 has very powerful protection for cancer!

With malignant tumor-severe extended insurance, the first diagnosis of carcinoma in situ or malignant tumor-mild, and the second diagnosis of malignant tumor-severe, an additional 50% of the basic insurance amount will be paid.

Optional malignant tumor-severe additional payment protection: 40%/50%/30% of the basic insurance amount will be paid for the 1st-3rd time respectively. Starting from the 4th time, if the patient is still in the malignant tumor-severe state after an interval of 3 years, 50% of the basic insurance amount will be paid each time, with no limit on the number of times.

For example: 0-year-old Bao Baobao is insured with Xiaoqinglong No. 3, with a basic insurance amount of 500,000.

If carcinoma in situ is unfortunately diagnosed, the compensation will be 500,000*30%=150,000 for minor cases;

If carcinoma in situ develops into malignant tumor - severe in the later stage, the critical illness insurance will be compensated with 500,000, and the malignant tumor - severe extended insurance will be compensated with 500,000*50%=250,000.

If the cancer metastasizes or persists, the additional insurance payment for malignant tumor - severe can be continuously paid after the interval period is met, with a maximum of 250,000 each time.

There are many children's critical illness insurances with cancer extended insurance on the market, but there are very few with unlimited cancer compensation. Xiaoqinglong No. 3 cancer protection is not capped, which just matches the characteristics of cancer's easy recurrence and metastasis, which is very excellent.

Take a 0-year-old baby with a coverage of 500,000 and lifelong insurance as an example.

It can be seen that whether it is basic protection or additional optional protection, the overall premium of Xiaoqinglong No. 3 has not only not increased, but has decreased.

The protection is upgraded, but the premium is decreasing, the real king of cost-effectiveness!

However, no matter how excellent the product is, there will be shortcomings. There are two points to note before buying:

1. There is an age limit for autism protection

Autism protection is a major innovation of Xiaoqinglong No. 3, but there are also some restrictions: the insured age is limited to 2 years old, and autism can only be diagnosed between 3-7 years old to get compensation.

2. There are hidden groups for mild diseases

For example, the group of "mild acute myocardial infarction", "minimally invasive coronary intervention surgery", and "laser myocardial revascularization surgery" has a strong correlation between diseases. After paying for one of them, the liability for the other two diseases ends.

*Hidden grouping means: on the surface, the compensation is not grouped, but in fact only one disease in the same group is compensated. This is a common problem in the critical illness insurance industry, and most critical illness insurances have hidden grouping.