Guolian Life Insurance Company has a critical illness insurance product specifically designed to provide protection for minors, called Divine Beast No. 1. Once launched, it has attracted the attention of many consumers, and many friends want to know What is its protection content? Is it cost-effective?

Today, senior sister is here to explore its bottom line.

1. How about the protection of Divine Beast No. 1 Children’s Critical Illness Insurance?

If nothing else, let’s look directly at the evaluation pictures of this product!

As you can see from the evaluation chart above, there are still many bright spots in the Divine Beast No. 1 Children’s Critical Illness Insurance policy. Let’s talk about it with you below.

If parents want to know the evaluation results of Divine Beast No. 1 Children’s Critical Illness Insurance (alias: Huixin’an Children’s Critical Illness Insurance 2022) in advance, you can directly click on the link below to take a look:

"Want to buy Guolian Life Huixin'an Children's Critical Illness Insurance 2022 for your child?" Then pay attention to this! 》

Highlight 1: A variety of protection periods for flexible choices

Shenbeast No. 1 Children’s Critical Illness Insurance can provide three different protection periods, as follows: 30 years of protection; Coverage until age 70 and lifetime coverage. Compared with the protection periods of most similar types of children's critical illness insurance products on the market, this children's critical illness insurance product does have more protection periods to choose from.

Highlight 2: Frequent claims for moderate to mild illness

The protection content of Divine Beast No. 1 Children’s Critical Illness Insurance includes mild, moderate and severe illness protection and other protections, and also provides a wealth of optional responsibilities . Among them, the number and proportion of claims paid out by this product for moderate to mild illness protection are also very good! The number of claims for moderate to mild illness protection is 4 times for the former and 3 times for the latter, and the payment ratios for moderate to mild illness protection are 60% and 30% of the basic insured amount respectively.

The most important thing is that the Divine Beast No. 1 Children’s Critical Illness Insurance also comes with a must-have protection that exempts the insured from premiums for moderate to mild illnesses!

About premium exemption, some parents may not know what it is. To put it simply, when the insurance company determines that the insured meets the requirements for premium exemption in the policy, subsequent premiums will be exempted from the date of determination. No more payment is required.

If there are parents who want to know more about premium exemption, you can read the following article:

"Is premium exemption good? Is it necessary to choose it when buying insurance?" 》

Highlight 3: Optional responsibilities are rich and comprehensive

The optional responsibilities provided by Divine Beast No. 1 Children’s Critical Illness Insurance are very many and comprehensive. These include death or total disability insurance, disease care insurance, "malignant tumor-severe extended insurance" and so on.

After seeing this, do you feel very excited? If there are still parents who are hesitant about whether the Children’s Critical Illness Insurance No. 1 is worth purchasing, then keep reading!

2. Is the No. 1 Children’s Critical Illness Insurance worth buying?

1. Three protection periods + five payment periods

In addition to setting up three protection periods, Divine Beast No. 1 Children's Critical Illness Insurance also considers parents very thoughtfully. , designed five payment periods of 5 years, 10 years, 15 years, 20 years and 30 years.

The longer the payment period, the lower the premiums parents need to pay each period and the smaller the payment burden; however, it should be noted that the 30-year payment period is limited to the protection period and is guaranteed for life. Plan to use!

In addition, in terms of protection period design, the operation of Divine Beast No. 1 Children’s Critical Illness Insurance is simply excellent! There are a variety of coverage periods to choose from, which is very considerate for parents. It should be understood that in children's critical illness insurance, the premium prices are also different for different coverage periods. The longer the coverage period, the more expensive the premium.

Then, if the family's financial situation is not very good, parents can choose a 30-year protection period, the premium will be slightly more discounted, and the financial pressure will not be too great; while for families with better economic conditions, study My sister recommends directly choosing a lifetime guarantee.

2. Five optional liability blessings

Generally speaking, the optional liabilities of insurance products are mainly to supplement the main protection content, so the optional liabilities are relatively simple. The Divine Beast No. 1 Children's Critical Illness Insurance goes in the opposite direction and covers five optional responsibilities. In this way, children can enjoy more adequate and comprehensive protection.