What kind of insurance should I buy for my 7 month old child?

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.Buying insurance for your children, don't plan too much for a rainy day, and plan your life, which is very unrealistic. 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, reverse the order, and it will be a mess and a waste of 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.

Education insurance or health insurance are acceptable.

This is the rhythm of more money again.

It is recommended to apply for health insurance + accident insurance for the baby first, the insurance premium for a year is about 1,000 yuan, if the economic conditions allow, you can also add more than 2,000 yuan on the original basis for education insurance, of course, the more insurance premiums you save, the higher the protection will be. If you pay about 10,000 yuan a year, you can make a dividend insurance.

Hello, you can consider such a combination when buying insurance for your baby: a card-type children's insurance card + an exclusive education fund protection, the former protects basic accidents, medical treatment, critical illness and other items, and the latter specifically protects education projects. You can choose the right type of insurance according to the actual situation of the baby and the family.

Try to look at the big insurance companies! Ping An has a safe buckle has been very popular recently. But I don't know much about it.

Hello. There is a principle of configuring insurance before adults, after all, adults are the best insurance for children! After the adult has configured the basic protection, it is necessary to configure the protection insurance for the child, such as critical illness, medical treatment, accident insurance, and life insurance can be temporarily dispensed with.

Here's why you should have protection insurance for your child.

1. The earlier you pay, the cheaper it is, and the longer the guarantee time. Taking critical illness insurance as an example, buying at 0 is also guaranteed for life, and buying at the age of 30 is also guaranteed for life, the latter is underinsured for 30 years and the premium is several times that when you were at the age of 0.

2. Health underwriting is required for configuration insurance, and it is not possible to buy it at any time. In case there is a major abnormality in the body in the later stage, you will also lose the qualification to buy insurance in the future, so you can buy it early and feel at ease.

3. The probability of a child's accident and hospitalization is still quite high, and from this level, accident insurance and medical insurance are a good way to fill this risk gap.

To sum up, after giving priority to the child's protection insurance, you can consider savings when the budget is sufficient, such as education funds, entrepreneurship funds, wedding funds, etc.!

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.

You are ready to buy suitable children's insurance for your 7-month-old baby, and the children's insurance products suitable for your child, mainly accident insurance, health insurance, etc., it is recommended that you can carefully compare and choose according to your child's protection needs.

What should I pay attention to when buying the right children's insurance for my 7-month-old baby?

1. Buy insurance according to the actual age of the child. For minor children, parents should consider 3 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.

In short, I would like to remind you that when you purchase a suitable children's insurance product to ensure the healthy growth of your child, it is recommended that you should comprehensively consider the risk situation faced by your child, and then design a complete children's insurance plan for your child based on the specific protection needs of your child. Here, we recommend you:

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After the baby is born, you can go to the community or the street for medical insurance, prepare a copy of the parents' ID card, household registration book, and the baby's birth certificate, and bring it all to handle. Some babies are weak at birth, and they may spend a lot of money, and medical insurance at this time will definitely come in handy. Critical illness insurance is a good medical insurance, and the baby who is born more than 28 days ago can buy critical illness insurance, it is recommended to give priority to children's critical illness insurance, which is cheap, has a high insurance amount, has many diseases, and has double compensation for children's high-incidence diseases, and is super cost-effective.

Take a popular children's critical illness insurance as an example, a seven-month-old baby, 800,000 basic insurance, 1.6 million children's diseases double the insurance amount, 30 years of protection, a year is about 1,000 yuan. General hospitalization medical insurance month-old babies, it is inevitable that there are some low immunity, fever and pneumonia in various hospitals, at this time general hospitalization medical insurance comes in handy. The main compensation is less than 10,000 yuan, and there is no limit to social security or social security medication, mainly depending on the contract of each product.

The key is that it is cheap, and it is about 100 yuan a year.

First of all, the order of purchasing insurance is: you must first protect the product, including 1, consumption (accident insurance, term life insurance, etc.); 2. Accumulation type (whole life insurance, comprehensive insurance, etc.). Then there is medical insurance (general medical care, serious illness medical insurance, etc.), endowment insurance, children's education funds, investment dividend products, etc.

At the same time, the order of purchase of the family is: 1, the economic pillar; 2. Your lover; 3. Family members without financial income, such as children, the elderly, etc.

Secondly, the principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

For example, first purchase the social insurance launched by the state (it is best to have a unit come forward to purchase), such as the cooperative medical insurance for rural households or the medical insurance for urban residents with urban households, and then consider commercial insurance as a supplement.

For each of us, we should focus on health insurance. That is, medical insurance and protection products are the first, and then the combination of pension insurance, children's education funds, dividend investment and other products is considered.

Third, insurance follows the "high loss priority principle", that is, if a risk accident occurs infrequently, but the loss is serious, priority is given to insurance.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

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Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally medium and long-term contracts, and if you buy it, you can become a lifelong happiness, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) To buy insurance, you must first protect the head of the family, if the main wealth creator of the family is not protected, then the premium? Cost of living? and other family expenses are not ***.

5) Buy insurance first for adults and then children, and adults are the best protection for children. If adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is the adults who pay the relevant fees for the children.

If you are not in good health, buy a medical critical illness.

Naughty Buy Accident + Medical.

Study, have a plan, buy education funds.

If you are ordinary, you will buy a dividend.

It should have been bought when the child was young! It's late again! But it's not too late! It is recommended to choose the type of education insurance while referring to accident insurance and critical illness insurance! It's helpful to go to college in the future!