What is the best insurance for children, and what is the best insurance for children?

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.

Hello, children's insurance configuration suggestions: 1 Buy accident insurance The reason is that children's cognition and self-control are not as good as adults, and they are more likely to have some accidental injuries in daily situations. 2 You can consider buying a long-term critical illness The reason is that the earlier you buy, the lower the premium, and under the current environmental conditions, I have to say that the probability of a critical illness will be higher than before 3

Conclusion: The insurance suitable for children includes children's medical insurance, accident insurance, critical illness insurance and medical insurance.

Children's medical insurance and medical insurance can solve the problem of children's illness and hospitalization, accident insurance can transfer the risk of accident insurance for bear children, and critical illness insurance can well make up for the loss of income caused by critical illness.

Many friends know what types of insurance there are, but they don't know the specific role, you might as well take a look at the dad's popular science knowledge:

What are the four common types of insurance?

Children are the hearts and minds of parents, but it is easy to fall into some misunderstandings when buying children's insurance in a hurry.

1. The first misunderstanding: buy insurance for your child first, adults don't care

When many people allocate insurance, out of love for children, they give priority to purchasing children's insurance for their children, and neglect to insure adults.

But in fact, parents are the biggest protection for the baby.

Adults are the protective umbrella of children, children are sick, there are parents to take care of the shelter, parents are sick but the family loses income**.

The correct approach should be: adults first, then children.

We should consider matching the child with the corresponding child insurance when the parents have sufficient protection, which is actually equivalent to giving the child double protection.

2. The second misunderstanding: only pay attention to "cost-effective" and ignore the sum insured

There are many parents who always want to give their children the best, and there are a bunch of returnable critical illness insurance in children's insurance, which I think is quite "cost-effective".

When parents buy medical insurance, they feel that the million-dollar medical insurance can usually only reimburse the cost of hospitalization, and there is a limit of 10,000 deductibles, so many parents feel that it is not "cost-effective", and there are fewer outpatient reimbursements and hospitalization allowances.

In fact, the amount of return-based critical illness insurance is not high, and the cost is not cheapHere's why we don't recommend return-based insurance

The father believes that the allocation of children's insurance for children should not consider whether it is cost-effective, and sufficient insurance is the confidence to treat children.

It is true that outpatient clinics are frequent, but the most important priority for parents is the high medical costs and ** expenses caused by various accidents.

3. The third misunderstanding: blind allocation of education funds

When parents configure children's insurance for their children, they will also consider the purchase of education funds, and want to save a sum of money for their children when they are young, so that their children will have less financial pressure in the future.

Although the starting point is good, when buying insurance, you must "protect first, then manage your finances".

The core advantage of insurance is protection rather than benefit, and it is extremely important for a family to prevent the risks caused by illness and accidents.

That is, to configure, the father recommends that the basic protection in the children's insurance be fully configured before considering financial insurance.

Five principles of scientific insuranceDo you remember? If you forget, you can familiarize yourself with it again.

Buying children's insurance for your child is a step-by-step process.

Parents don't need to be in a hurry, we must first sort out the idea of insurance, and then choose the right insurance product according to the needs.

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Generally speaking, the idea of configuring insurance for children is:Children's medical insurance, critical illness insurance, medical insurance, accident insurance.

1. Children's medical insurance:

Children's Social Security is a national welfare insurance that provides the most basic medical protection for your baby. The baby can apply for children's social security within three months of birth, and can enjoy medical insurance treatment from the date of birth, so it is recommended that parents complete the application within this time.

2. Critical Illness Insurance:

For a family, children are the happiest existence. However, if the child is seriously ill at this time, many families have to treat the child even if they are bankrupt, so you can buy a critical illness insurance to transfer the risk.

The payment method of critical illness insurance is very simple and crude, and if a critical illness is diagnosed or reaches a certain level, the insurance company will directly pay a sum of money. This money can be used to treat children, or it can be used as compensation for parents' loss of income.

What kind of critical illness insurance should I buy for my child? Take a look at these critical illness insurances for kids:Critical illness insurance products designed for children

3. Commercial medical insurance:

Because the reimbursement ratio of medical insurance is limited, the remaining part of self-payment is also a large expense, at this time we can use commercial medical insurance as a supplement to medical insurance to reimburse the part that cannot be insured by medical insurance. Millions of medical insurance are recommended here, and the premium is also very cheap, a few hundred yuan a year, you can enjoy millions of insurance amounts, and the leverage is very strong.

Are moms and dads still struggling to choose medical insurance? Click to claim:【0 18 years old】Top 10 million medical insurance points worth buying!

4. Accident insurance:

Children are naturally active and lively, and they are also full of curiosity about the outside world, crawling here and there, and putting it in their mouths to taste if they are interested, and they don't know how to protect themselves, so the accident risk faced by children is very high, and it is necessary to buy an accident insurance to transfer this risk. Hope to adopt.

How to buy children's insurance is the most practical, in fact, there is no unified answer to this question, because each child's situation is different, and the needs are different, but the father still summarized the following points for your mother's father's reference.

1.Children's accident insurance, children's critical illness insurance, and children's medical insurance need to be purchased

These three types of insurance can provide basic personal health and accident protection for children, the coverage content of children's health insurance is mainly for children's high-incidence diseases, and children's accident insurance is also mainly for children's high-incidence accidents.

Because children's resistance is still relatively weak, the probability of suffering from diseases is relatively large, especially some diseases with high incidence in children, which pose a greater threat to children's health, so it is necessary to buy children's health insurance for children.

Secondly, children's own sense of danger is relatively weak, and the probability of encountering accidents is also relatively large, so it is necessary to buy children's accident insurance for children.

2.The amount insured of children's accident insurance should not be too high

In order to protect the legitimate rights and interests of minors and further improve the insurance protection of children, the China Banking and Insurance Regulatory Commission has made new adjustments to the amount of children's insurance

1) For:Under the age of 10The death benefit shall not exceed 200,000 yuan.

2) ForBe at least 10 years old but under 18 years oldThe death benefit shall not exceed 500,000 yuan.

The above two provisions are only for children's accident insurance and life insurance, and there are no special provisions for critical illness insurance.

3.Children's critical illness insurance pays attention to children's high-incidence diseases

The China Banking and Insurance Regulatory Commission stipulates that 16 high-incidence diseases for children must be covered by each children's critical illness insurance, as follows:

When choosing accident insurance for your child, you must pay attention to whether the selected product contains the above high-incidence diseases for children.

4.Adults first, children second

Adults are the most powerful umbrella for children, although buying insurance can enhance children's ability to resist risks, but the premise is that the parents' protection is fully equipped.

If parents do not receive relatively complete protection, in the event of misfortune, then the child is not able to bear the burden of the family alone, which needs to be remembered.

The above is a more practical way to buy children's insurance, and you can refer to it when you buy insurance for your children.

Of course, Daddy here is just a summary of a few more general points, and there may be other things that need to be paid attention to, so it is up to Bao Ma Bao Dad to decide according to the specific situation.

Many parents think of buying a very comprehensive set of insurance for their babies, covering diseases, medical treatment, education, etc.

But because I don't know it, I don't know where to start.

In any case, there are four principles to keep in mind before insuring your baby.

Configure children's medical insurance first

Adults first, children second

Protect before you manage your finances

Premiums are kept within 20% of the total family premiums

Next, let's talk about how to reasonably configure baby insurance and how to choose products.

Your baby's insurance plan should cover itCritical illness, medical treatment, accident

1. Critical illness insurance

The choice of critical illness insurance for babies will be different from those for adults.

Adult critical illness insurance is considered to cover comprehensively, such as cancer, cardiovascular and cerebrovascular secondary compensation, and comprehensive coverage of high-incidence diseases.

The baby's critical illness focuses on the protection of children's critical illness, whether the coverage of children's high-incidence critical illness is comprehensive, and whether the compensation ratio is high.

So,A good children's critical illness insurance is first and foremost a high-incidence children's critical illness that covers a comprehensive range of critical illnesses

The following are 16 high-incidence critical illnesses in children:

2. Medical insurance

The baby's physique is weak, and colds, fevers, and respiratory tract infections occur from time to time.

Therefore, it is also important to reasonably build medical insurance protection.

In the case of medical insurance, we generally recommend that you give priority to the allocation of medical insurance.

A few hundred dollars has a sum insured of several million, which can be reimbursed as long as the hospitalization costs are incurred, but there is usually a deductible of 10,000.

If you want to be reimbursed for hospitalization with 0 deductible, you can directly choose the million medical insurance with 0 deductible, which will probably be doubled, or add a small hospitalization medical insurance with an insurance amount of 10,000 and 0 deductibles, which perfectly fills the gap of 10,000 deductibles in million medical insurance.

The most important thing to choose a million medical insurance plan is to consider the stability of the product.

We generally measure it from the following two perspectives.

Large companies. Large companies have a thick foundation and relatively stable products. If this product is still a fist product, so much the better.

The base is large. A large base means that the sales volume is large, and the more people buy, the more stable the product will be.

3. Accident insurance

Accident insurance covers death, dismemberment, and medical treatment caused by an accident.

(1) Accidental death

Compensation for the basic sum insured, but the baby is not economical, so don't think too much about it. Moreover, the state stipulates that the death claim before the age of 10 shall not exceed 200,000, and before the age of 18, it shall not exceed 500,000, so it is useless if the insurance amount is too high.

(2) Accidental disability

Depending on the disability level 1-10, the sum insured will be paid on a pro-rata basis.

(3) Accidental medical treatment

Children are very active, and falls, burns, and scratches often occur. Therefore, accidental medical treatment deserves our special attention. It is best to choose accidental medical treatment with a high reimbursement ratio, 0 deductibles, and unlimited social security drugs.

We have made a brief introduction to the three types of insurance that babies need to insure.

In fact, medical insurance and accident insurance, because they are cheap, are almost the same.

The focus is on the choice of critical illness insurance, and the choice of different types of critical illness insurance will vary by 10 times, ranging from a few hundred to several thousand dollars per year.

How to choose, or combined with each family's own situation, there is no standard answer.

Before we buy commercial insurance for our children, we must first handle the children's medical insurance, which is the welfare given by the state to each of us, and it is an indispensable basic guarantee for us, and then we can start to configure commercial insurance for our children.

First of all, we should buy accident insurance for children, according to the data, the cause of death of children under the age of 14 in China, the first is accidental injury, the biggest risk around the child is accidental injury, in the growth stage is also the stage of children's curiosity, so for the personal safety of children, we need to first improve the accident insurance for them.

The second is the health protection of the child. The same as the adult's medical insurance, the child also has the same cost and drug reimbursement range, medical insurance can also just improve the lack of medical insurance, the protection period of medical insurance is generally one year, the premium is also very economical, now many medical insurance also have inpatient medical protection and outpatient medical care, in the child's growth stage is also very practical.

The second is critical illness insurance, which can be selected according to the family's economic situation, if the economic situation is good, you can buy lifelong critical illness insurance for your child, and the premium will not be very expensive when the child is young; If you are in a modest financial situation, you can choose term critical illness insurance, and you can also change the product at the same time according to your child's needs.

Finally, there is another guarantee for children, education security. When buying education funds, we must make a clear plan for the child's education, and at the same time have a clear plan for the expected income of the education fund, and then choose according to the family's economic situation, the premium of the general education fund will not be lower, so we must take into account the actual economic situation of the family, the basic security of the child is the key, an education fund will be the icing on the cake for the child's security, and we must buy rationally and plan reasonably when configuring.