Is it necessary to buy critical illness insurance for children? How do preschoolers buy insurance?

For people of any age, health protection is an important part that cannot be ignored, especially for the prevention of diseases, and comprehensive preparation is required. Children are often expected by the whole family for the future, and all aspects are of concern to parents, so it is necessary for children to buy critical illness insurance. Especially for preschool children, who are still young and their immunity to diseases has not yet developed, in addition to the basic protection of medical insurance, the importance of critical illness insurance is self-evident for more comprehensive protection against health and disease.

When purchasing critical illness insurance for preschool children, you should first pay attention to whether it contains coverage for children's high-incidence critical illnesses, such as leukemia, malignant tumors, heart disease, etc. In addition to the content of the benefit, whether it contains a minor illness waiver or the number of critical illness claims are the key points in choosing a critical illness insurance.

At the same time, it is also necessary to pay attention to the family's financial affordability, many parents will choose lifelong critical illness insurance for their children, if the family conditions are better and can afford its premiums, you can choose lifelong critical illness insurance, but the protection needs of children in the process of growing up will continue to change, especially in adulthood, so when choosing critical illness insurance for their children, you can choose term critical illness insurance, generally this kind of critical illness insurance premiums will be more economical, and the protection is very comprehensive.

Some people will think that it is not necessary for children to buy such a high amount of critical illness, the reason is nothing more than the low probability of children having critical illnesses, which is logical confusion. The probability of critical illness is low, so the rate is cheap; This is not the same as the medical costs you have to pay if you have a critical illness. The author believes that if you want to buy insurance, you must buy enough according to your needs, otherwise you will not be able to fundamentally solve the problem of family finances.

Second, there are the types and restrictions of critical illness benefits.

This used to be a hot topic in the newspapers, but it was considered to be grandstanding.

Most of the types of critical illnesses covered by different products overlap, but they have never paid attention to the subtle differences in the types of critical illnesses, and comparing these nuances is really a laborious and ineffective thing. When it comes to children's critical illness insurance, we should pay attention to whether it covers the child's unique critical illness, such as Kawasaki disease, polio, etc.

Third, the budget for children's critical illness insurance.

In a word, the better the value for money, the higher the protection, the better, and the lower the premium, the better.

You must keep in mind that children's critical illness insurance is about protection, not savings, and paying too much attention to the return factor will disrupt the analysis of the value for money of protection and premiums.

In fact, there is a return of critical illness insurance, but it is just critical illness insurance plus a fixed savings. In the author's experience, a children's critical illness insurance with an insurance amount of 500,000 yuan, if the insured is a two-year-old child, if properly configured, 1,500 yuan a year is enough.

To sum up, children's critical illness insurance, the amount of insurance is 500,000 yuan, the budget is about 2,000 yuan per year, do not need to overemphasize the return factor when purchasing, should focus on the cost performance of the sum insured and premium, the higher the protection, the cheaper the premium, the better.

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How to buy insurance for your child

First, the country's medical insurance must be handled!

After the child is registered, it is necessary to handle the neonatal medical insurance (urban and rural residents' medical insurance) as soon as possible, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, after buying medical insurance, you can fully configure critical illness insurance + medical insurance + accident insurance in commercial insurance.

Let's start with critical illness insurance, which provides coverage for as long as possible. In addition, critical illness insurance can pay a large amount of cash directly after getting sick, which can not only solve the problem of medical expenses, but also solve many hidden problems in the future, such as children who miss their studies due to illness, and even some subsequent life losses, which require a lot of cash to make up. Buying a pure protection critical illness insurance policy can be used to solve these problems.

In addition, medical insurance can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, as long as one or two hundred yuan per year, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, let's talk about accident insurance, it is very cheap for children to buy accident insurance, 200,000 yuan per year, only sixty or seventy yuan, which can protect children from disability, death and medical liability caused by accidents, which is cost-effective and practical.

Third, is there any insurance that I should not buy for my child?

Don't give your child life insurance, and try not to consider critical illness insurance with both liabilities attached. I know the specific reasons in this articleHow to buy child insurance without being cheated? You'll know when you see it!

has been introduced in detail, because it has been written in detail in the manuscript, so I won't spend too much time introducing it here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, you can get it for a thousand yuan a year, if you buy lifelong protection, it is only two or three thousand per year, ** low protection and real.

That's all for me"Is it necessary to buy critical illness insurance for children? How do preschoolers buy insurance? "All of them, I hope it helps you! Hope!

Due to the emergence of global problems such as environmental pollution, the trend of serious illness at a younger age is becoming more and more obvious, and the risk of serious illness in children is also increasing. In addition to the young age of critical illness, children are also more likely to suffer from some high-incidence critical illnesses due to their weak immunity.

1. What issues should be paid attention to when choosing children's critical illness insurance?

1.Coverage

When buying critical illness insurance for children, you must choose one with complete coverage, especially for children's high-incidence critical illnesses, to cover as much as possible.

The safest is only when the most likely diseases are covered.

2.Sum insured

When you buy critical illness insurance, you buy the sum insured.

Critical illness insurance is essentially income loss insurance. When a child is seriously ill, parents often have to give up their work to take care of their children; Coupled with huge medical expenses, it is a heavy financial burden for most families.

The sum insured of critical illness insurance is generally as high as possible, starting at least 300,000 yuan.

3.Premiums

Critical illness insurance is generally more expensive**, so be sure to plan reasonably before you buy it.

Don't just go for the sum insured and the coverage, because the higher the sum insured, the wider the coverage, and the more expensive the premium.

Only when the coverage and sum insured are relatively up to standard, it is a reasonable plan to choose a children's critical illness insurance with moderate premiums.

In recent years, the incidence of critical illness has shown a trend of younger age, and once you have a critical illness, huge medical expenses have undoubtedly become the first problem you need to face, so it is still necessary to buy critical illness insurance for your child. When parents choose children's critical illness insurance for their children, they should understand the scope of diseases included in children's critical illness insurance, and second, it is best to choose products with exemption clauses. For example, the children's critical illness insurance on Ping An Insurance** contains 30 types of critical illness protection, with a maximum of 500,000 critical illness protection, parents can learn about it.

Children's critical illness insurance is specially designed for children and adolescents to cover the types of children's insurance that cover common critical illnesses of children. If the insured child is diagnosed with a major illness agreed in the contract by a designated medical institution within the insurance period, he can apply to the insurance company for a critical illness insurance claim according to the corresponding agreement of the insurance contract to provide financial support for the follow-up, which is very useful to avoid the risk of illness and can also relieve part of the family's economic pressure. As for which one is better to buy?

It is recommended that parents should consider it comprehensively according to their family's economic situation and protection needs for their children when purchasing, such as Ping An Insurance**'s Ping An Children's Critical Illness Insurance, which includes 30 kinds of critical illnesses, ** medical consultation and critical illness green channel services, there are not many items, but they are very targeted, and the highest critical illness protection reaches 500,000, you can learn about it.

Children's critical illness insurance keep these three points in mind, buy term insurance, don't buy whole life insurance, don't buy additional insurance, buy consumption type don't buy return type. Buying term insurance instead of whole life insurance means not buying the update and iteration of whole life insurance products. When children reach the age of twenty or thirty, there must be products with better cost performance.

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It is necessary to buy children's critical illness insurance, but the specific amount to buy can be based on the family's financial situation. Children are young, their bodies are still in the stage of growth and development, and their resistance is not as good as that of adults. At the same time, in recent years, due to environmental and food safety issues, the incidence of children's critical illness has become more and more high, and once a child has a serious illness, the impact on the whole family is great.

Therefore, it is necessary to buy critical illness insurance for your child. At the same time, because of the young age of children, if they buy critical illness insurance at this time, not only the premium is cheap, but also the insurance time is relatively long, which is also very cost-effective.

In addition to critical illness insurance, insurance that is usually suitable for children to buy is also accident insurance, medical insurance, and if some parents are also considering their children's education, they can also allocate education funds for their children.

1. Accident insurance: children have a lively personality, and there are many bumps, abrasions, and burns, so for children, accident insurance is the first priority.

2. Medical insurance: If economic conditions permit, it is recommended that medical insurance and medical insurance be purchased at the same time, and the medical insurance will be reimbursed first, and then the medical insurance will be used to reimburse the remaining expenses.

3. Education fund: The earlier you insure, the more funds you accumulate, and you can plan for education earlier.

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Hello! Children's critical illness insurance is necessary.

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Many parents will think that the most common thing their children usually encounter is a cold and fever, and the probability of serious illness is not so high, and serious illnesses are only caused by adults.

Relatively speaking, the probability of critical illness in children is indeed not as high as that of adults, but the risk of critical illness in children has its own characteristics

1. The probability of occurrence in infancy and early childhood is high.

Unlike adults, who are more likely to suffer from critical illnesses as they age, the most common occurrence of children is before the age of 14, among which leukemia and severe hand, foot and mouth disease are the most common major diseases.

2. High cost.

With the advancement of medical technology, many of the original terminal illnesses can now be ** or controlled. However, the cost of the common and high-incidence critical illness** of children is relatively expensive.

In the case of leukemia, the most effective way is stem cell transplantation, but from the beginning of chemotherapy and radiotherapy to the success of stem cell transplantation, it is normal to spend hundreds of thousands, which still does not include the cost of post-transplant recuperation.

It also involves a lot of imported drugs and special drugs that are not reimbursed by social security, which is undoubtedly a very huge expense for ordinary families.

3. **and** time is relatively long.

Critical illness insurance is relatively long, and leukemia is still used as an example. From diagnosis to transplant to **, the entire cycle can take up to 3-5 years.

Once a serious illness occurs, parents will have to free up one person to take care of their children, and they will not be able to work, and their standard of living will drop a lot.

Based on the above reasons, your child's critical illness insurance needs to be purchased. In the case of fixed-term insurance, it only takes a few hundred yuan a year to protect hundreds of thousands of critical diseases.

It needs to be purchased, because critical illness insurance is generally relatively safe, and the coverage of the later protection is relatively wide, and this kind of insurance is relatively cost-effective.

If your baby's physique is relatively poor, you still need to buy this, just in case.

It needs to be bought, which will enrich the child's future life, and it is also a prevention, so that the child will get a good ** in the future.

Children's critical illness insurance can also be bought for children, because a small number of children will also get some serious diseases when they are young.

Need. This insurance is still very good, and it can still be partially covered when the child is in danger.

Accident insurance 200 yuan.

Medical insurance is a few hundred dollars.

Why don't I need to buy critical illness insurance? Is it because the child will not suffer from a serious illness? I think that the child's critical illness insurance must be bought, but it must be established after the parents have already done so