2019年，珍爱宝贝

合适人群
预算充足，偏爱返还型产品，0-17岁儿童
综合评价
爱宝贝2019是一款儿童返还型重疾险，最长保障30年，少儿8种特定疾病可以获得双倍赔付。但是保障不够全面，只保障50种重疾，高发轻中症的保障都是没有的。 因为是返还型重疾险，价格偏高，不大适合普通工薪家庭投保。如果选择消费型重疾险，每年千元左右，就能买到同样保障甚至更全面的产品。

重疾保障：50种重疾，赔付100%基本保额
特定疾病：8种少儿特定重疾，额外赔付100%基本保额
身故/全残：赔付100%已交保费
满期返还：返还主险基本保额乘以缴费年限
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保障期间：30年
最长交费期间：20年
等待期：90天
投保职业：1-2类
智能核保：无