Can newborns be insured? What to look out for?

There are many things to pay attention to when configuring insurance, and it just so happened that I compiled one before"A collection of key knowledge points that must be understood before buying insurance! 》

I suggest you take a look. Here are a few things to look out for:

1.How much sum insured and premiums should be set to be reasonable?

Choose the sum insured and premium payout according to your family's financial situation. Normally, 10% of the annual family income can be used as a premium, and 10 times the annual income can be guaranteed. It is important to avoid excessive premiums affecting the daily expenses of the family.

2.How to arrange the appropriate order of insurance for family members?

Every family member has the need to buy insurance, and the correct order of insurance is for adults, children and the elderly. Every family member has the need to buy insurance, and the correct order of insurance is for adults, children and the elderly. Therefore, the family allocation insurance should focus on the economic pillar.

3.Can I only buy insurance from the same insurance company?

The right thing to do is to compare the products of different companies, and don't just recognize one company. There are basically no top-notch companies with all types of insurance, so you have to shop around when you buy insurance. I've got a copy of this"Top 10 Popular Critical Illness Insurance Points Worth Buying!

You can take a look at it, there are comparisons of insurance products from different companies.

Hello, yes, I have bought insurance for my parents, and in the process of buying insurance, I must carefully read the terms of the insurance, not just listen to the insurance staff! Be sure to watch it carefully!

Mainly look at the following aspects:

1. Look at the terms of the insurance. If people want to know exactly what the insurance is about before buying it, they need to look at the terms of the insurance. The insurance clause is the core content of the insurance contract signed between the insurance company and the consumer, which stipulates the rights and obligations contained in an insurance.

2. Look at the insurance liability of the insurance clause. In addition to the payment of fees and other items, the key content of the insurance clause is the insurance liability. Generally speaking, except for the insurance liability, the other contents of the insurance clause are basically the same, and the distinction between various insurances is mainly in the insurance liability.

Of course, sometimes it is also necessary to look at the exclusions, to see under what circumstances the insurance company can not be liable for compensation and payment; In some cases, it is also necessary to look at the regulations and notes that are unique to certain insurance products.

3. Look at the introduction of insurance products. Many people often can't understand the terms of insurance, so the most popular way to read the written material is to read the introduction of the insurance product. Since the insurance product profile may sometimes contain inaccurate expressions of packaging and beautification products, it is best to understand it in comparison with the insurance terms after understanding the insurance profile.

4. Understand how to pay and receive money. The core content of insurance that people need to understand is to pay and receive money. This includes three aspects:

One is how much money to pay and how much to receive in the future; the second is the time and method of payment, the time and method of receiving money in the future, such as how long, one-time or installment, etc.; The third is the conditions for receiving money, such as under what circumstances you can receive money, under what circumstances you can't receive money, and so on.

5. Implement the content of the understanding into words. Not everyone can read the written material on their own, so the most direct way to understand insurance is to listen to the salesman's introduction to insurance. There is only one key point at this point:

Write down what you have learned one by one, and find the corresponding part of the insurance clause one by one to confirm it.

6. Fill in the insurance policy truthfully and sign it in person. There is a lot to fill out on the insurance policy, and even some privacy content. Whatever it is, be sure to fill it out truthfully and sign it in person at the end.

Otherwise, the insurance company may refuse to pay or pay the insurance benefits on this basis in the future.

7. List comparison. If you're overwhelmed by the amount of information available to you, consider tabulating the features and pros and cons of each of the possible options and comparing them. The list is simple, you can start by listing a few features of each plan, a few advantages, and then a few disadvantages.

8. Find the most trusted person to buy insurance. Due to the complexity of insurance products, it is impossible for many people to distinguish between the good and bad options in a short period of time, so the most convenient way is to find the most trusted person to buy insurance.

Good luck. <>

First of all, the residents' medical insurance should be done.

For commercial insurance, you first think about what risks you want to transfer to the insurance company:

In the event of a serious illness and at least one parent is unable to work, the loss of income will be calculated as 3-5 years, plus the estimated nutrition expenses and nanny fees, how much is the total amount, and this amount can be supplemented by critical illness insurance.

The cost of hospitalization is covered by medical insurance, and it is best to choose medical insurance that includes liability for out-of-pocket drugs.

The cost of accidental injury, especially for infants and young children, has a higher chance of burns and scalds, and it is reimbursed by accident insurance. It's also a good idea to opt for accident insurance that includes liability for out-of-pocket medications.

If the budget is sufficient, you can also save an education fund for your baby, which will not be affected by the family's financial situation when she studies in the future.

Once you've got your plan, take a closer look at the product liability and disclaimers to see if they meet your needs. When applying for insurance, we will strictly inform you of your health.

Before buying insurance, we need to understand a lot of precautions, and grasp some basic routines as a whole, so that we can safely skip most of the pitfalls.

1.The type of insurance you need to buy

As far as buying insurance is concerned, you must be clear about your needs and then choose insurance according to your needs. There are four types of life insurance: <>

The content of these four types of insurance protection can be seen from the diagram is overlapping but different, in order to provide comprehensive protection, you need to configure these four types of insurance, and comprehensive insurance is basically non-existent. If you have a little friend who doesn't know much about these types of insurance, you can take a look at this article written by the senior sister:

What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? 》

2.When buying insurance, you can't just look at the big companies

Influenced by buying other things in daily life, many people have this misunderstanding. But insurance is not a daily commodity, and the more well-known the company is in daily life, the more valuable it is to buy. So what do we need to pay attention to if we buy insurance without looking at the company?

Looking at the terms of the contract, in fact, it is to let you see what risks this insurance can help you avoid, whether it is expensive or not.

There are all kinds of insurance on the market, and the terms of the insurance contract are obscure, so that everyone can save some trouble, there are some hidden holes in common insurance words that we have sorted out, and we don't want to take a lookWhat kind of insurance is good? 》

3.I always want to buy the so-called best insurance

There is no best insurance, and you can't buy good insurance if you only focus on one point of insurance. The so-called best insurance is different for us, after all, everyone's specific situation and health status are different, and there is no insurance that everyone is 100% suitable to buy. So how to configure insurance according to your own situation, if you want to know, go to the right to take a look:

How to buy insurance for different ages? 》

There is no shortcut to buying insurance, we know some basic common sense of insurance, whether it is to buy insurance by ourselves, or to find the best person to consult and buy insurance to avoid being fooled.

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

1. When choosing insurance for newborns, the first thing to consider is accident insurance. When purchasing accident insurance for newborns, you should pay attention to the coverage period, premium amount, and coverage content. Under normal circumstances, the newborn purchases accident insurance, the protection period does not have to be too long or too short, it is recommended to choose a one-year period, and the recommended premium is less than 1,000 yuan.

In terms of coverage, it must include accidental medical coverage, preferably with hospitalization allowance.

2. To ensure the healthy growth of the baby, you can purchase a suitable medical critical illness insurance. When purchasing medical critical illness insurance for newborns, the coverage period can be freely chosen, and it is recommended to cover until the age of 20. Before the age of 20, children are vulnerable to the threat of disease.

The premium amount of neonatal medical critical illness insurance needs to be determined according to the actual situation of the family, and it is recommended to be more than 200,000 yuan. As for the coverage, it must cover common critical illnesses in children. Of course, it's best to come with other features.

Children's self-regulation ability is relatively weak, and the balance in the body is easy to be broken and cause illness, so it is very necessary to buy insurance for children. There are so many insurances on the market now, what should I buy? Below, I will briefly introduce to you three types of insurance suitable for children.

Let's give you a children's critical illness insurance evaluation gift package first"2020 Top 10 [Cost-effective] Critical Illness Insurance Rankings".

1. Children's medical insurance.

When buying insurance for children, the first thing to buy is children's medical insurance. Medical insurance is a welfare insurance, except for the insurance fund raising methods of children's medical insurance"Individual contributions"And there is"Collective support""Funding"。Individuals only need to pay one or two hundred yuan in premiums every year, and for such national welfare insurance, it is best for all families to allocate it to their children.

However, the protection brought by medical insurance is very limited, there is a minimum payment line, a ceiling line, and many self-financed drugs cannot be reimbursed. Therefore, it is not enough to buy medical insurance, you have to buy commercial insurance to fill the gap in protection.

2. Critical illness insurance.

Critical illness insurance is insurance that provides coverage for the condition of suffering from a critical illness. Unlike medical insurance, critical illness insurance is a benefit-based insurance that pays out if you suffer from a disease specified in the insurance contract and meet the definition of the disease specified in the insurance contract. If the child unfortunately has a serious illness, the insurance company will pay a lump sum insurance compensation to the parents, so that the parents can also take care of the child with peace of mind without thinking about money.

There are many children's critical illness insurance policies on the market that are designed for common critical illnesses in children, with more comprehensive coverage, and some can also be supplemented with protections such as policyholder waivers.

3. Medical insurance.

Million Medical Insurance"with"Micro-medical insurance"It is more suitable for ordinary families in medical insurance, of which million medical insurance is mainly used to protect serious illnesses with relatively high medical expenses, with a coverage amount of 100300000000 and a deductible of 1200000000000000000000000000000000000000000000000000000000000000000000000000000000000000 The small medical insurance refers to those insurance with a relatively small reimbursement amount, usually the insurance amount of small medical insurance is only 120,000 yuan, and at the same time, the deductible of small medical insurance is not high, as long as one or two hundred yuan, or even no deductible. His coverage is quite suitable for children, covering inpatient medical expenses for illnesses, accidental medical expenses and general outpatient medical expenses.

Due to the general medical outpatient coverage, even children with fever and cold can be compensated.

4. Accident insurance.

Children are lively and playful, and there are inevitably some bumps and bumps in daily life, and the probability of scalding and falling is still relatively large, so it is more necessary to buy a children's accident insurance, and the insurance content covers the common accidental injuries in life.

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with my years of experience in configuring Scatter Insurance for 10W+ families.