Many mothers born in the 1990s adopt a “free-range” approach to raising their children, giving them ample space to explore and grow.
However, children lack the ability to judge danger, so it is inevitable that they will get hurt. In addition to paying close attention to their children, parents will also take protective measures and purchase a children’s accident insurance . In case the child gets hurt, falls, or gets scalded, it can provide timely protection. Tens of thousands of yuan can be reimbursed for accidental medical expenses, which is very cost-effective.
There are many children’s accident insurances on the market. After comparing dozens of them, the two most recommended are: Little Naughty Boy No. 6 and Little Prodigy No. 5. Products from large companies have both protection and cost-effectiveness, and each has its own advantages.
So what is the difference between these two products? How to choose? Let’s make a detailed comparison today
Little Naughty Boy No.6
Little Prodigy No.5
1. What is the difference between Little Prodigy No. 5 and Little Urchin No. 6 ?
Little Prodigy No. 5 vs Little Naughty Boy No. 6
01Different scope of medical treatment
• The coverage of Little Naughty Boy Hospital No. 6 is wider. Accidental medical treatment can be received in the general department of a private hospital, and rabies vaccination can be expanded to first-level public hospitals.
• Little Urchin No. 5 needs to add extended responsibilities before he can go to the special needs department of a public hospital and the general department of a private hospital for medical treatment.
02Accidental Disability Insurance
In accidents involving children, disability is more common than death. The cost of treating severe disability, such as third-degree burns and amputations, is very high and can often bankrupt a family.
The Little Naughty Boy No. 6 provides 200% of the insured amount for accidental disability . For children under 10 years old, the maximum insured amount for accidental death is 200,000 yuan, and the accidental disability can be compensated up to 400,000 yuan, which provides more protection than the Little Prodigy No. 5. It also comes with an insured amount of 400,000 yuan for accidental death due to aviation and 100,000 yuan for accidental death and disability due to vaccination .
03Accidental medical treatment
There is not much difference between the two products. Accidental medical treatment is not limited by social insurance, there is 0 deductible and 100% reimbursement, with a maximum reimbursement of 100,000 .
04 Enhanced responsibility
• Little Naughty Boy No. 6 comes with: ① Additional medical treatment up to 30,000 for accidental burns and scalds ; ② Additional medical treatment up to 20,000 for accidental ingestion of foreign objects
• Little Prodigy No. 5 has a lot of enhanced responsibilities, including: ① ” Specific accidental injury medical care ” liability, which covers common accidents of children such as “swallowing foreign objects / foreign objects in the ear canal and nasal cavity / choking / burns”, and an additional reimbursement of 40,000 yuan. ② Hospitalization allowance, up to 100 yuan / day, doubled for ICU wards. ③ Accidental fracture insurance, up to 5,000 yuan . ④ Ambulance expenses are reimbursed up to 5,000 yuan. ⑤ Guardian liability insurance, if the child causes third-party losses, the insurance company can help the parents pay part of the money, up to a total of 100,000 yuan.
05Optional Responsibility
• Little Naughty Boy No. 6 can choose an accidental hospitalization allowance of 100 yuan / day, which is doubled on holidays; accidental fracture / joint dislocation can be compensated up to 5,000 yuan , and accidental facial cosmetic medical treatment can be compensated up to 3k .
• Little Prodigy No. 5 has only one optional liability : Extended [ High-end Accidental Medical Treatment], special needs departments of secondary and above public hospitals and secondary and above private hospitals, with a maximum reimbursement of 50,000 . However, it should be noted that treatment in extended hospitals is limited to one visit caused by the same accident during the insurance period.
06Value -added Services
The value-added services of the two products are similar, and the prices are also comparable. If you choose plan 1, the Little Prodigy 5 is cheaper. If you choose plan 2 or 3, the Little Prodigy 6 is cheaper.
Little Prodigy No. 5 vs Little Urchin No. 6 Premium
07Others
There are 4 versions of Little Naughty Boy No. 6 , including a high-end version, which provides very comprehensive protection.
Little Naughty Boy No.6
It not only supports general departments, but also supports special medical departments, international medical departments, cadre wards, VIP medical departments, foreign guest medical departments, VP departments or similar departments and sections in secondary and above public hospitals.
The accidental medical insurance coverage has been increased to 200,000 yuan, with additional protections for accidental ambulance, guardian liability, and acute illness death ( including sudden death ) , making it suitable for families with sufficient budget.
2. Little Prodigy No. 5 vs. Little Naughty Boy No. 6 , which one should you choose?
For well-behaved babies aged 0-6 , we recommend choosing the Little Naughty Boy No. 6
• 200% compensation for accidental disability , with built-in private hospital expansion, and an additional compensation of 1 million for aviation accidents , saving money and trouble starting from 68 yuan.
Little Naughty Boy No.6
For active children aged 7-12 , we recommend Little Prodigy No. 5
• Specific medical coverage provides more compensation, comes with its own hospitalization allowance, double compensation for ICU hospitalization, and guardian responsibility to pay for children who get into trouble ; special needs departments of public hospitals can also be reimbursed.
Little Prodigy No.5
These two types of children’s accident insurance from large companies are cheap, comprehensive, and cost-effective. They can provide comprehensive children’s accident risk protection and are very suitable for growing children. Parents are advised not to miss them ~
