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As a kind of insurance that is particularly important for protection, many friends want to buy one. However, the premium of critical illness insurance is relatively expensive, which has always been criticized by people. Therefore, there is such a critical illness insurance product that can treat illnesses and return premiums if you are not sick, which seems to be very good. Is it really so? Is return-type critical illness insurance worth buying?

What is return-type critical illness insurance?

Return-type critical illness insurance is actually a protection-type critical illness insurance + whole life insurance. In addition to the critical illness insurance that can protect the contract, there are also death protection and maturity survival benefits that can be returned. 危疾保障If you get sick or die during the protection period, you can pay an insurance money. If you reach the age or protection period stipulated in the contract, we are still alive and have not suffered from a serious illness or applied for a claim, then we can return the paid premiums or the cash value of the policy.

What are the characteristics of return-type critical illness insurance?

First of all, the most obvious feature is that the premium is very expensive. The premiums for ordinary critical illness insurance products are not cheap. If you only buy basic protection, the premiums are mostly 1,000 to 2,000 yuan. If you buy more complete protection, such as lifelong insurance, 危疾保險additional compensation for critical illness, multiple compensation for critical illness, etc., then the premium will be 3,000 to 4,000 yuan per year. The return-type critical illness insurance has the nature of savings, and the premium is much more expensive than ordinary critical illness insurance products.

Secondly, the protection is not sufficient. Although you can get a refund if you live to the end of the protection period without any accident, you will not get a refund once a claim is made. There are several types of protection, such as critical illness, death, and refund, but in fact, you still spend two dollars to buy one protection. Once an accident occurs, all responsibilities are terminated. Just think about it.

Finally, the return income is actually not high. Suppose the return age stipulated in the contract is 70 years old, and we are insured at the age of 30. During these 40 years, we have to pay 10,000 to 20,000 yuan in premiums every year. In other words, during the protection period, we have to pay hundreds of thousands of premiums alone. And 40 years have passed, is the refund really worth the much we see now? Considering inflation and changes in the economic environment, it is not worth waiting for so many years.

Why is it not recommended to buy return-type critical illness insurance?

In fact, the above-mentioned characteristics are already very convincing. So apart from the return-type critical illness insurance itself, what other reasons are there for not recommending it?

When we buy critical illness insurance, the most important thing is actually protection. The reason why critical illness insurance products are updated so quickly now is that there are constantly new demands and new protection requirements. Even basic protection, such as serious illness, moderate illness, and mild illness, is constantly increasing in number and compensation. Not to mention other aspects of protection, such as additional compensation for serious illness, multiple compensation for serious illness, specific disease protection, etc. Because critical illness insurance itself is an insurance product with a strong protection nature. If it is required to have functions such as savings and financial management, it is equivalent to losing sight of the main point.

In addition, return-type critical illness insurance is actually a whole life insurance with a critical illness insurance attached, not a simple critical illness. And such additional critical illness insurance is definitely insufficient. In addition to basic protection, there is basically no other additional protection. Therefore, if the insured amount is shared, there must be loopholes in the protection.

In general, for most of us ordinary people, consumer-type critical illness insurance products are what we should consider. Make sure the insured amount is sufficient, choose the protection period according to your actual situation, and choose the right product, which can be considered good protection.

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Don't step on these pitfalls of critical illness insurance!

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The baby's IQ is not only based on traditional inheritance, but also related to our acquired cultivation and environmental factors. In the process of baby's growth and learning. Once the development of the brain's growth and development period is 兒童成長, the problem of brain tissue management structure will gradually become stereotyped. Even with superior talents, a good development cannot be achieved.

There are three golden periods for baby's brain development. Once missed, it is difficult to recover.

Three golden periods of brain development

Reminder: 70% of the brain's weight and structure development is completed during the fetal period and infancy.

Before birth, the peak of brain development begins. When is this peak period? Data shows that children's brain development can be roughly divided into these three stages:

1. 3 ~ 6 months pregnant

When the pregnant mother is three to six months pregnant, the fetal brain begins to enter the first stage of brain development. Brain cells grow rapidly at a rate of 250,000 per minute, much faster than other stages.

2. 6 months to 3 years old after childbirth

2) When babies are six months to three years old, the body of brain nerve cells is still increasing. The brain nerve cells divide and proliferate rapidly to form the nerve channel for the body to transmit information, which affects the baby’s brain nerve information transmission function. At this stage Will complete 80% to 90% of the baby's brain development.

3. Between 3 years old and 6 years old

When the child is 3 to 6 years old, this is the last golden period of brain development. The remaining 10% to 20% of the brain development will be sprinted at this stage. parents must seize this time. Ensure adequate sleep and balanced nutrition for children. After this stage of development is completed, the child's intelligence can basically reach the standard of adult living.

So you don't have to be famous early, you must become smart early.

How can parents use these three stages of baby’s brain development to better help their children improve their intelligence?

Grasp the golden period of brain development and cultivate smart babies

provide adequate nutrition

protein, DHA and lecithin are important nutrients for baby's brain development. The metabolism, growth and maturation of various tissues are inseparable from protein. DHA is an essential substance for human brain formation and intellectual development. The higher the lecithin content, the faster the transmission speed of the brain and nervous system, and the stronger the memory.

The content of these three different nutrients in breast milk is not absolutely higher than that in formula milk powder, so breastfeeding is the best choice.

Mothers should also pay attention to a balanced diet and nutrition during pregnancy to lay a good nutritional foundation for the baby in the future. It is recommended that pregnant women appropriately supplement brain gold from the 4th month of pregnancy. After the baby is born, the mother can continue to take Brain Gold and feed it to the baby through milk.

How much DHA do I supplement every day?

The National Institutes of Health and the International Fatty Acid and Oil Association recommend:

pregnant and lactating mothers need to supplement DHA 300mg daily

Babies aged 0-3 need to supplement DHA 100mg daily

Children over 3 years old need to supplement DHA 200mg daily

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许多在线平台都有卖家经营"特色”葡萄酒，而且大多数这些酿酒卖家都打着"拍卖”的欺诈子军队直销活动。卖家这种方法操作逃避对酒品质量与消费者权利承担相关法律社会责任。

對此，網民認為，一些企業在互聯網平台上銷售法規和政策禁止的商品，涉嫌虛假宣傳、不正當競爭，監管部門可以處以行政處罰。網絡平台則應采取更積極的技術手段，對"暗語交易”實施監管，真正盡到合理審核義務。

網民"” 吳應海"”，為了提高知名度，增加銷量，廠家招，打出了"特供”，"專供”品牌，欺騙消費者。工商部門應痛擊"特供”、"專供”之風，加大市場檢查力度，從嚴執法，讓假"特供”、"專供”被圍剿。

網民"程軍”表示，目前網售"特供”產品主要涉及中國商品進行包裝、標簽信息內容及廣告宣傳"三大問題”，呼籲相關管理部門可以加強針對性整治特別是對於網絡發展商品經濟交易市場行為的監督檢查、網上廣告監測和酒類經營者備案登記及溯源制監管。

"以標榜‘專特供’為榮，背後是官僚主義和特權思想。"網友”，王旭，"建議委員會各級監測這些現象都被納入由巡邏檢查，投訴處理和其他線索優先的日常監管中發現，消除思想，浪費警惕的特權和防止轉移好處。

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