Is it necessary to buy health insurance for my newborn baby?

It is necessary, the child's resistance is relatively weak, although the family is held in the palm of the hand every day, but the data shows that in the whole growth stage of the baby, the probability of critical illness in the birth stage is the highest, my baby is 3 years old, I gave her the "children's critical illness insurance" in Ping An Insurance, covering more than 30 kinds of major diseases, my senior in college just born a baby was born with a very serious illness, the family spent a lot of money to cure, but the family was almost hollowed out, the whole family is under great pressure, His father had to go back to work on the construction site, and the whole family had a hard time every day, which touched me a lot, and I firmly bought health insurance for my baby.

Do you think that if you earn more than 10,000 yuan per month, you can buy health insurance for your baby, which depends on whether the family is rich or civilian, and it is useful to buy this, like civilians do not need to buy?

Modern people face all kinds of accidents and pressures in society, always want to do a good job of preventive measures, insurance is a product that many people will choose to buy, so that you can buy insurance when you are safe, and you can get effective guarantee when there is an accident, relatively speaking, it is still a good product. So is it necessary to buy baby health insurance?

Is it necessary to buy baby health insurance?

Very necessary! On the one hand, the child's premium is low and the protection is high. Under normal circumstances, when buying insurance for children, you should focus on accident insurance, medical insurance and other protective insurance, and then if economic conditions allow, you can buy some education insurance as an investment in your child's education.

How to choose baby insurance?

1. Understand the meaning of insurance. Before you buy insurance for your child, understand why you are buying insurance for your child. The core of insurance is protection, that is, by paying insurance premiums, the unknown risks in the future are transferred to the insurance company, so as to achieve the purpose of solving worries.

The insurance company plays the role of a platform in it, collecting the insurance premiums of many people and paying them to a small number of families who have insured accidents, and the main profit of the company is the one who loses the remaining money.

2. Understand the order of purchasing insurance. The child's insurance premium is paid by the parents, and whether the parents can pay the child's insurance premiums normally means whether the child's insurance is valid for a long time. In other words, it is necessary to give priority to parents to buy insurance, in order to truly protect their children, and they cannot only buy for their children and not for themselves based on personal feelings.

3. Select the type of insurance you want to purchase. As mentioned earlier, buying insurance is buying protection, so when you choose, you must choose insurance that is of a protective nature. There are three types of insurance: hospitalization medical insurance, critical illness insurance, and accident insurance.

The health of the baby is the most concerned thing for parents, so we must pay attention to taking care of our baby in the growth of the baby, so that the baby can grow up healthily. The above is about "Is it necessary to buy baby health insurance?" If you buy insurance for your baby, you must pay attention to going to a regular insurance company to avoid being deceived.

Newborn children can buy insurance, but it should be noted that not immediately after birth, it usually takes 28 or 30 days to buy insurance, so if you want to buy insurance for a newborn child, you can only wait until he is born 28 days or 30 days.

At present, if parents want to buy insurance for their newborn children, it is recommended to buy children's insurance for them, which is specially launched for children, which will be more suitable for children, and its purchase process is as follows:

2. Enter the children's product details page, and select the children's insurance you need to buy and buy;

3. Enter the brief information of the policyholder (yourself) and the brief information of the insured (child);

4. Carry out health notification;

5. Enter the detailed information of the policyholder, the insured and the beneficiary;

6. Pay the premium.

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With the continuous improvement of people's quality of life, more and more families have the awareness of buying insurance, we will not only buy insurance for themselves, but also consider buying insurance for their children, many years ago parents wanted to configure insurance products for their babies as soon as their children were born, to protect their children's future life, but there are many companies in the insurance market, many products, many parents do not know how to choose, so what insurance is better for babies to buy?

How to buy insurance for newborn babies should start from two aspects: one is children's medical insurance, and the second is commercial insurance.

Children's medical insurance belongs to social security and is the most basic protection. Compared with commercial insurance, the insurance conditions of social security are relaxed, and the reimbursement is more convenient, after the birth of the newborn, on the household registration, you can go to the local community to apply for children's medical reimbursement and pay the premium.

The purpose of commercial insurance is to make our protection more perfect, newborns to apply for commercial insurance, usually need to be insured after the insured baby is born 30 days before it can be insured, and the newborn is required to apply for health, no premature birth, etc. There are many types of commercial insurance, and it is generally recommended that parents purchase the following commercial insurance for their newborns:

1. Accident insurance. Newborn children have strong curiosity and desire to learn, but their own resistance is very weak, and accidents may occur if they are not careful in the process of parental care, so it is still necessary to spend one or two hundred yuan to buy an accident insurance for the child.

2. Critical illness insurance. In detail, we have seen the real case of baby disease fundraising in the circle of friends, and now there are problems in the society such as environmental pollution, food safety, etc., which makes the probability of the baby getting sick a lot higher, once the baby suffers from leukemia This type of major disease, then the cost of ** is very high, for most families, buying a house and a car may not necessarily make up the medical expenses, and after purchasing critical illness insurance, once the illness is compensated, the insurance company will pay in accordance with the treaty, which can reduce family losses.

3. Education fund. After configuring medical insurance, accident insurance, and critical illness insurance, if the economic conditions allow, then you can consider buying an education fund for your child.

The above is the choice of buying insurance for the baby, but parents should know before buying insurance for their children, the biggest risk for children is that parents cannot fulfill their maintenance obligations, so buying insurance must be adults first, and then children.

This answer is provided by Compo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. I hope you find this answer helpful.