What kind of insurance is good to buy for saving for your child s education savings

Xueba says insurance, to help you avoid all the pitfalls of buying insurance for your children! This year, the comparison table of 136 hot-selling children's critical illness insurance has been updated

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How to buy insurance for your child

I don't know how many parents who want to give their babies comprehensive protection are stumped by this question, today let's take a good look at how to buy insurance for their children so as not to be pitted! Follow these three points:

First, medical insurance must be handled well, which is the basic guarantee of the people!

After the child has a household registration, he can go to apply for neonatal medical insurance (medical insurance for urban and rural residents), 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, commercial insurance gives priority to critical illness insurance + medical insurance + accident insurance.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection. Secondly, critical illness insurance is paid directly in cash after getting sick, which can not only solve the problem of medical expenses, but also solve many hidden problems caused by illness, such as taking care of sick children, and bringing economic losses to the family, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance can just solve these problems in the future.

Let's talk about medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, the sum insured of 10,000 yuan is only 1,200 yuan per year, which is very practical.

Finally, it is necessary to configure an accident insurance, the child's accident insurance is particularly cheap, with an annual protection of 200,000 yuan, only sixty or seventy yuan, don't look at the cost is not much, but the protection is a lot. Accidental death, dismemberment, and accidental medical liability of the child are all covered, inexpensive, and useful.

Third, what are the insurance policies that are not recommended for children?

Don't choose life insurance for your child, and try not to choose critical illness insurance with both liabilities. I know the specific reasons in this articleTeach you how to buy insurance for your child!

has been introduced in detail, because it has been clearly stated in the manuscript, I will not say too much here.

According to the above insurance ideas, if you are configuring regular insurance for your child, you can configure it for about 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is cost-effective and practical.

That's all for me"What kind of insurance is good to buy for saving for your child's education savings"All of them, I hope it helps you! Hope!

Buying education money for your child? If you are a person who really understands the meaning of insurance, you probably wouldn't ask that.

When the parents are there, the children are well. At present, there is a misunderstanding when buying insurance, that is, you should first consider buying insurance for your children, but not first consider buying an insurance for the real breadwinner of the family; Consider the education fund first, and do not consider the accidents that the child may encounter and the high incidence of serious illnesses in the child.

The state has good intentions to promote insurance, but why do many people buy insurance either because they don't buy it right, or they don't know what they are buying.

I used to be an insurance company**, and I gradually felt lost and ashamed because of the cold feelings! It is recommended that you consider the guarantee first, and the education fund can only be said to be a special account to ensure the education of children, and its real benefits are general, just because of the market demand to launch such products.

I am willing to communicate with you, but your Excellency asks questions anonymously, and your heart is not sincere, so you will give up.

There are 2 biggest differences between saving money and buying insurance: 1. The idea of saving money and saving this money after a few years will always be saved, it is difficult to achieve the goal we want, buying insurance is equivalent to forcing yourself to save money, and then take it out at a certain time, and save a sum of money unconsciously2??There is no risk aversion effect in saving money, people eat cereals, it is normal to have three diseases and two pains, if there is a disease or something like that, not only the money deposited in the bank can not avoid the risk, but it may also be necessary to use the money for emergency use, but the insurance can ensure that the money saved can also share the risk of course, of course, it is not to use all the money to buy insurance, generally we use 10-15% of the annual family income to spread the risk, and I personally think that we should first consider their own protection before buying children, if even adults are not guaranteed, Surely the child's insurance premiums are not guaranteed? When buying insurance, medical and health aspects are considered first, and then education funds, pensions, investment funds, etc.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

If you want to save money for your child's insurance, you can choose the education fund, which gives your child a certain amount of money at a certain time.

The collection time of different products is different, some of them start to receive from the child's middle school or high school, and receive it until they graduate from college or start a family; There are also those that start at the age of 18, and there are also those that start from a certain year after the purchase of insurance, such as the 5th year and the 10th year.

So it depends on what kind of planning you are doing for your child, how old you want to use the money for your child, how much money you want your child to get at what age, and what the money is used for, and then you can match the most suitable product.

At the same time, pay attention to the stability and certainty of the product's income, whether it is a guaranteed income, whether it is written in the contract, and whether it is floating.

The specific recommendations for insuring your child are as follows:

1.When buying insurance for your child, you should first consider whether the adult is adequately protected, and don't put the cart before the horse.

2.Don't ignore local insurance policies, such as whether there is medical coverage for the elderly and the young.

2.Children's insurance, based on the basis of protection, then talk about education funds.

3.In terms of protection, accidents, critical illnesses, and medical treatment must be considered.

4.There are three types of children's insurance in the market: dividend, universal and investment-linked, and it is recommended to choose the first two.

5. Insurance planning, do what you can, don't deviate from the reality of affordability, then it is not insurance. Best, solve whatever you can? Don't aim for a one-step solution.

6.Remember the additional exemptions!!

6.Buy insurance for your children, don't plan too much for a rainy day, plan your life, and don't hide reality. Treat it rationally and do what you can. You can set short-term, medium-term, and long-term financial goals, but if you don't ask for them all, and reverse the order, it will be a mess, which is equivalent to wasting money.

7.First of all, we must clearly understand the above needs and rules, and then select a qualified ** person, which is very important and very important, and then choose an insurance company.

It is recommended to communicate with ** people in detail and verify with multiple parties, after all, face-to-face communication is the most practical and effective way.

Extended reading: [Insurance] How to buy, which is better, teach you to avoid insurance"pits"

For most families, the cost of children's education is a major expense, and education savings insurance has the advantage of both protection and income compared with other education fund savings methods, so in order to improve the education protection of your son in primary school, it is necessary to purchase children's education insurance for him in advance. What are the recommended return-type insurance for education savings?

Education insurance itself is a long-term insurance type, and it has a premium return function, so you can make a comprehensive comparison and purchase according to your child's specific education plan, protection needs and family economic strength when applying for insurance, and the best one for your child is the best. Here are a few things you need to pay attention to before you apply for insurance:

1.For most parents, the cost of their children's college education and the cost of their children's Qingsui when they are just adults are often higher, so you may want to focus on college education insurance when buying education insurance for your children.

2. Combined with the actual protection needs of your child, comprehensively compare the relevant products of each insurance to choose.

3. We are providing education insurance products, if you plan to apply for insurance in us, you only need to log in to our **, find your favorite product, click to buy, in addition, free registration as our member, you can also enjoy our member preferential policies.

4. Take insurance as an example, you first log in to the home page, click more in the hot words column, find the hot word children's education fund, click in to see the ** purchase page of various children's education insurance, find your favorite product and click to buy. Here are a few things you need to pay attention to before you apply for insurance:

1.For most parents, the cost of sending their children to college is often higher than the cost of their children's early years of education, so it is important to pay attention to the college education insurance when buying education insurance for your child.

2. Combined with the actual protection needs of your child, comprehensively compare the relevant products of each insurance to choose. For your son who is in primary school to buy children's education insurance, online insurance education savings insurance should not only understand the common sense of insurance, but also pay attention to the choice of formal insurance platform, is the country's largest third-party insurance e-commerce platform, will provide you with professional, personalized children's insurance insurance solutions and products.

Sunshine Journey Education Fund Protection Plan (Participating).

iGrowing up children's education fund protection plan.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Summary. Hello, dear. The difference between Savings Insurance and Education Pension is:

In addition to providing protection, education insurance has the advantage of being a premium waiver compared to savings. This function is to ensure the insurance interests of children, if the policyholder, that is, the parents, dies, serious illness or high disability during the payment period (see the specific provisions of the clause), the premiums for subsequent periods can be waived, and the insurance is still valid and does not affect the rights and interests of the child to receive education funds.

The difference between endowment insurance and education funds.

Hello. Hello, dear. The difference between Savings Insurance and Education Pension is:

In addition to providing protection, education insurance has the advantage of being a premium waiver compared to savings. This function is to ensure the insurance interests of children, if the policyholder, that is, the parents, dies, serious illness or high disability during the payment period (see the specific provisions of the clause), the premiums for subsequent periods can be waived, and the insurance is still valid and does not affect the rights and interests of the child to receive education funds.

Children's medical insurance includes: children's critical illness, children's hospitalization allowance, and children's hospitalization expense reimbursement. Parents may think that the probability of a child suffering from a critical illness is relatively low, and critical illness insurance is not very applicable.

However, we need to see that the current trend of critical illness is showing a younger age, and it is not uncommon for reports of critical illness in young children to occur. Many families are burdened by heavy health care costs. Critical illness insurance can provide funds to the child as soon as they are diagnosed for follow-up**.

Critical illness insurance with a separate policy generally has a higher rate than critical illness coverage with the same amount as a rider. Parents can purchase children's critical illness insurance at the same time as the education fund insurance, which provides protection for the child and saves premiums. Inpatient medical expenses insurance is reimbursed by the invoice of the ** expense, and the hospitalization allowance is paid according to the number of days of hospitalization.

Both of these can compensate for medical expenses caused by daily illnesses and accidents in young children.

1. The guarantee period of the education fund is usually guaranteed until the age of 25 or 22, which is basically the age at which the child's studies end. There are more options for the protection period of annuity insurance, some are insured for life, and some are insured for a short time, depending on the product. 2. The protection content of the education fund is mainly returned to a certain age, such as China Merchants Ren and Zhenai Baby, from 18 to 24 years old, 10% of the insured amount can be received every year, and the maturity payment will be received when it expires.

Most of the annuity insurance is returned from the fifth year, and some annuity insurance is for the old-age, and it will be returned until the retirement age, and the number of times it is received is more. 3. Education insurance usually does not have an additional universal account, while annuity insurance has an additional universal account, and the return is automatically added to the universal account for the second time. 4. The insurance age of education funds is mainly under 18 years old, such as the insurance age of cherished babies is 28 days to 13 years old.

The age of annuity insurance will be wider, not only can be bought under the age of 18, but also some can be bought at the age of 60.

Xueba talks about insurance, focusing on evaluating children's insurance! This year, the comparison table of 136 hot-selling critical illness insurance for children aged 0-18 has been updated, you can click on it to take a look, I hope it can help you.

How to buy insurance for your childThis question has discouraged countless mothers and fathers who want to buy insurance for their babies, and today we will take a look at how to buy insurance for their children! Keep these three points in mind:

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

After the child is registered, the first thing to do is to complete the medical insurance. Regardless of whether it is a major illness or a minor illness, basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, commercial insurance gives priority to critical illness insurance + medical insurance + accident insurance.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). In addition, critical illness insurance can directly pay a large amount of cash after getting sick, in addition to solving the best expenses, it can also solve many hidden problems caused by illness, such as delaying homework due to illness, and a lot of cash is needed to make up for it. Buying a pure protection critical illness insurance can solve these problems.

As for medical insurance, it can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, the insurance amount of 10,000 yuan is only 1,200 yuan per year, and the cost performance is very high.

Finally, let's talk about accident insurance, the child's accident insurance is very cheap, 200,000 yuan per year is only sixty or seventy yuan, which can fully protect the child's accidental death, disability and medical expenses caused by accidents, which is particularly practical.

Third, don't buy both types of insurance for your child!

has been introduced in detail, because there is already a detailed analysis in the manuscript, so I won't spend too much space here.

According to the idea I gave you to configure insurance, if it is for children to configure regular protection, one thousand yuan per year can be fully configured, if it is to buy lifelong protection, it is only two or three thousand per year, cheap and useful.

That's all for me"What are the education insurance plans for my children? "