What kind of insurance should I buy for my newborn baby?

First of all, I would like to bring you a list of the best children's critical illness insurance to buy this year"2020 Top 10 [Cost-effective] Critical Illness Insurance Rankings".

Infants and young children are in the stage of growth and development, and the various functions of the body are not yet mature, so they are more likely to get sick, so it is very necessary to buy insurance for children. There are so many kinds of insurance, which ones are more useful? Below, I will briefly introduce to you three types of insurance suitable for children.

1. Children's medical insurance

This is the first insurance that should be configured for your child. Medical insurance is a welfare insurance, and his insurance fund raising methods include "collective support" and "** funding" in addition to "individual payment". It only costs one or two hundred yuan a year, and for such a state welfare insurance, it is best for all families to allocate it to their children.

However, his protection is very small, there is a minimum payment line, a ceiling line, and many self-financed drugs cannot be reimbursed. Therefore, it is not enough to only have medical insurance, and it is necessary to purchase commercial insurance to fill the gap in coverage.

2. Critical illness insurance

Critical illness insurance is insurance that covers critical illnesses. Unlike medical insurance, critical illness insurance is a benefit-based insurance that pays out as long as you get the illness covered by the insurance contract and meet the corresponding definition of illness. If the child suffers from a serious illness, parents can also receive a lump sum insurance compensation, and parents can also take care of the sick child with peace of mind, and they can not worry about money for the time being.

Nowadays, there are many children's critical illness insurance designed for common critical illnesses in children, and the coverage content is more practical for children, and many can be added with the option of policyholder exemption.

3. Medical insurance

The more practical medical insurance is "million medical insurance" and "small medical insurance", of which the role of million medical insurance is to cover serious illnesses with relatively high medical expenses, and its insurance amount is relatively moderate, which can cope with larger medical expenses, but its deductible is also higher, generally between 10,000 and 20,000. The small medical insurance refers to those insurances with relatively small reimbursement amounts, and the reimbursement amount is usually only one or two thousand yuan, and his deductible is also very low, about 100 200 yuan, and even some small medical insurance deductibles are 0. In terms of coverage, it is very practical for children, covering inpatient medical expenses due to accidental injuries and illnesses, as well as general outpatient medical expenses.

Because of the general outpatient medical insurance, even minor illnesses such as children's colds and fevers can be compensated.

4. Accident insurance

Children like to play, like to try new things, but the sense of danger is low, small bumps are always difficult to avoid in daily life, such as fall injuries always occur from time to time, so you can consider buying an accident insurance, choose those coverage content includes a relatively high probability of accidental injuries in daily life, such as cat and dog bites, sports fractures, if you also want to configure accident insurance for children but don't know what to buy, then take a look at this article"The 10 most worthwhile children's accident insurance points! 》Hope!

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages

You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insurance

If you are under the age of 20, you should choose critical illness insurance, medical insurance, and accident insurance

How do I buy insurance for someone under 20 years old? People who are less than 20 years old are in the period of physical and mental growth and development, coupled with the younger disease, it is not surprising that there is a little illness and pain on the body, so it is necessary to configure a medical insurance; In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so it is also necessary to purchase accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

For young people between the ages of 20 and 30, it is recommended to choose critical illness insurance, accident insurance and medical insurance

How do you buy insurance in your 20s? 20 years old 30 years old, is already an adult who can be independent, at this time the body is young, the spirit is good, never considered the problem of birth, old age, sickness and death, but accidents and tomorrow who knows which one will come early, so it is recommended to buy critical illness insurance + one-year accident insurance + million medical insurance, the premium is actually not expensive, short-term accident insurance is dozens of dollars a month, it can be considered, friends who meet this age can see the senior sister beforeDo you have any advice for young people in their twenties to buy insurance?

You can take a look at this article.

The insurance options for people aged 30-50 should be: critical illness insurance, life insurance, accident insurance, and medical insurance

How do people in their 30s get a good deal of insurance? At this time, buying insurance is more for your family than yourself. When people reach middle age, their physical health is declining, but the pressure is increasing, critical illness insurance and medical insurance can provide adequate protection for illness; In the unfortunate event of an accident, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

It is recommended that friends over the age of 45 can not buy critical illness insurance and life insurance, because the premiums at this time are relatively expensive and unnecessary. Friends who meet this age group can watch before the senior sisterHow do people in their 30s get a good deal of insurance?

The key to how to be satisfied and choose the right insurance for yourself is to choose the right insurance product.

"What kind of insurance should I buy for my newborn baby?"Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

If you are born 10 days old, it is recommended that you can buy it directly on our ** when you are 30 days old.

Children's Green Card.

Applicable population: adolescents and children (30 days to 18 years old) who are vulnerable to accidental risks

Product features: Double payment of accidental hospitalization allowance due to accidents on school days.

Insurance liability: accidental injury (death, disability), accidental medical treatment, accidental hospitalization benefit.

Insurance liability: critical illness, accidental injury, accidental medical treatment, hospitalization.

After the birth of infants and young children, they first go to the community to apply for children's medical insurance.

The insurance suitable for newborns includes children's medical insurance, critical illness insurance, accident insurance and medical insurance, but it should be noted that it is usually 28 or 30 days old to be insured normally.

1. Children's medical insurance: as a basic medical insurance, it reimburses the cost of children's medical treatment and reduces the pressure of medical expenses.

2. Critical illness insurance: Newborns are more susceptible to diseases due to their physical development, so it is necessary to purchase critical illness insurance, especially children's critical illness insurance. ”

The insurance options for children include accident insurance, medical insurance, critical illness insurance, education insurance, etc., which need to be selected according to their own needs and pay attention to relevant details.

In the process of growing up, children will face many uncertain risks, insurance planning is generally an expression of love that parents want to give, and the choice of insurance framework can be referred to as follows.

1.Accident insurance: children grow up lively and active, bumps and bumps are inevitable, now many families like to have pets, cats and dogs are likely to encounter, so a few cents a day of accident insurance can solve the cost of reimbursement caused by these accidents, try to choose an accident insurance that can include accident medical treatment beyond the scope of social security reimbursement.

2.Medical insurance: children are young, weak immunity, if there are health problems need to seek medical expenses, the cost of medical treatment is also the family's expenses that have to be spent, generally including outpatient medical insurance ** slightly more expensive, pure hospitalization is relatively cheap, depending on their needs to choose.

3.Critical illness insurance, also known as health insurance, is mainly to solve the problem that people may suffer from critical illness in their lifetime (high cost, long illness, may cause a major blow to the family economy) insurance, once it meets the requirements will be directly paid in cash, this is basically the family just needs, the child is generally smaller, the physical condition is good, the underwriting barrier is small, the underwriting probability is high, and the premium is cheaper, depending on the product benefits, company choice, protection period, different protection amounts, or according to their own budget comprehensive evaluation choice.

4.Education insurance, this is the child's growth in the determination of expenditure, in addition to the compulsory education stage, education expenses need to be paid by themselves, children eugenics to be more preferential, hope that the son will become a dragon and phoenix is the hope of every parent, so for the child as soon as possible to prepare a future education ** is not only the hope of the parents' life but also the motivation for the child's financial quotient cultivation and learning, the earlier the preparation, the easier, the more the cost, depending on the family situation.

5.To tell the truth, family insurance planning is best for the whole family to plan, in a sense, parents are actually the biggest protection for children, only parents are safe and healthy, can continue to create wealth for children, children's lives are guaranteed, so the insurance configuration has a principle, under the condition of limited conditions, first protect adults and then children, but accidents, critical illness is just needed by adults and children, is a necessary insurance for life.

The above suggestions are for reference, love him to protect him thoroughly, and it is also a contract to accompany his lifelong love, and it is a good way to cultivate children's financial intelligence.

Hello! Accidents and illnesses are always the most important risk factors around children, and in addition, the protection of children's education should also be paid more and more attention by parents. Parents who can afford to buy insurance for their children should do a good job of protecting their children.

The child has just been born, there is no need to buy insurance for him immediately, parents and friends can give her a suitable children's insurance plan after 28 to 30 days after the child is born. As for what kind of insurance to buy for your newborn, it is recommended that you start from the actual protection needs of your child.

1. Buy insurance according to the actual age of the child. For minor children who have just reached the age of 28 to 30 days, parents should consider three risks: accident insurance, critical illness insurance, and medical insurance.

2. Choose the most suitable insurance product for your child. The most suitable choice is to buy protection products, mainly life insurance, accident insurance, medical insurance, critical illness insurance, etc. After establishing basic protection, some investment-based insurance products can be supplemented as a way to manage your finances as appropriate.

3. Choose the appropriate amount of insurance according to the child's situation. The need for coverage changes depending on the family structure, income, and external economic situation.

4. Choosing the most suitable insurance company for your child can be considered from the service level and solvency of the insurance company.

Soon after the birth of the child, the insurance for the newborn should comprehensively consider the risk situation faced by the child itself to design a complete children's insurance plan. Suggested read:

If a newborn child needs to buy insurance, it is more appropriate to buy children's medical insurance, critical illness insurance, million medical insurance, and accident insurance, but to meet the insurance conditions of the product, for example, if the child is born for less than 28 days, it is possible that it cannot buy insurance.

I have previously conducted an in-depth analysis of why newborn children should also buy insurance, and if you are interested, you can read this article:Do 0-year-old children need to buy insurance, parents must see! Be careful of stepping on pits.

1.Children's health insurance

Children's medical insurance can not only reimburse a certain percentage of medical expenses, but also its insurance threshold is very low, for some children with congenital diseases, who are sick, etc., it is also supported to be insured.

2.Critical illness insurance

Newborn children are not self-care, once suffering from heavy dismantling and elimination, then it is bound to need parents to take care of themselves or hire a nurse to take care of, either way, will bring greater financial pressure to the family, if the newborn child has already been insured with critical illness insurance, then when the child is diagnosed with a critical illness and meets the conditions for payment, then you can get a critical illness insurance payment, used to compensate parents for the loss of income to take care of the sick child or the financial expenses of hiring a nurse, there is no problem.

So what are the cheap and cost-effective critical illness insurance plans for newborn children? If you need to, you may wish to poke this article:Top 10 [cheap and high-quality] children's critical illness insurance in 2023

3.Million Medical Insurance

Newborn children have a sound immune system and are susceptible to diseases and viruses, and if they are minor illnesses and pains, then after reimbursement through children's medical insurance, the medical expenses are not high, and they are still within the scope of family responsibility. However, once you suffer from a serious illness, even if there is reimbursement from children's medical insurance, it may only be a drop in the bucket, and the premium of medical insurance is low and the sum insured can reach millions, so you can effectively share the financial pressure brought by the child's serious illness to the family.

If you don't know which million medical insurance to buy for your child, then don't miss this list of million medical insurance worth buying:The latest top 10 million medical insurance rankings are newly released! Hope!

Hello! Newborns have just arrived in this world, and in the process of adapting to the new environment, various risks are relatively large, in order to improve the protection of your newborn baby, it is necessary to take out the right child insurance in time.

It's best to have no insurance for your newborn baby.

1.The insurance can only be purchased 30 days after the baby is born.

2.At present, children's insurance products mainly include accident insurance, medical insurance, critical illness insurance, education fund reserve insurance, etc.

3.Newborns are more prone to bumps and bumps, colds, fevers, diarrhea and even pneumonia, so you should choose a child insurance product with accident and medical coverage.

4.According to the actual insurance needs of your newborn baby, the product that suits your baby's actual insurance needs is the best.

When buying insurance for your newborn baby, it is recommended that you give priority to basic protection before considering taking out education insurance. It is an insurance platform that provides professional child insurance, you may wish to come to compare and choose.