What are the misconceptions about children s insurance?

1.Parents do not have adequate insurance to buy insurance for children. 2.

Lost the breadwinner of the family, who renews the child's insurance. 3.Buying insurance for your child with a high sum insured.

4.The maximum benefit for death is 200,000 or 500,000. 5.

The insurance for the child should be in these insurances, but it is not limited by the insurance will. 6.Only education is emphasized, not guaranteed.

Xueba said that insurance, only help parents who want to buy the right insurance for their children! This year, the comparison table of 136 best-selling children's critical illness insurance has been updated, click on it to see the details.

How to buy insurance for your childThis problem makes many parents have no idea where to start, so let's take a good look at how this problem should be solved! Configure from these three aspects:

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

Newborn medical insurance can be handled immediately after the child is registered, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, this is the basic security welfare given by the state, and it must be handled well.

Second, after buying medical insurance, you can fully configure critical illness insurance + medical insurance + accident insurance in commercial insurance.

Let's start with critical illness insurance, which provides coverage for as long as possible. 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 subsequent hidden problems, such as falling behind because of illness, or some irreparable losses in subsequent life, all of which require a lot of cash to make up. Buying a pure protection critical illness insurance can just solve these problems in the future.

Let's talk about why we need to configure 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 insurance amount of 10,000 yuan is only one or two hundred yuan per year, and the cost performance is very high.

Finally, let's talk about accident insurance, it is very cheap for children to buy accident insurance, as long as it is sixty or seventy yuan a year, you can buy 200,000 yuan of protection, which can protect children from disability, death and medical liability caused by accidents, which is not expensive and very 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 consider critical illness insurance with both liabilities attached. The specific reasons I know are in this answerHow to buy child insurance without being cheated? You'll know when you see it!

There is a detailed introduction in it, and because it is written in detail, I will not introduce it here.

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

That's all for me"What are the common misconceptions of parents when applying for children's insurance? "

Myth 1: Children are important, adults are not in a hurry.

The most basic insurance principle is to insure the family members with the highest economic income first, because once the "economic pillar" loses its earning capacity, it will directly affect the quality of life of the family, and the children's life and learning will inevitably not be directly affected. Therefore, parents should first consider whether they have adequate protection before planning insurance for their children.

Myth 2: If you attach importance to education, you will choose education funds.

When applying for insurance, we should follow the principle of "protection first, investment later", and avoid putting education funds in the first place of children's insurance, and risk protection is the most important.

Myth 3: If you love your child, you will give your child high protection.

In order to prevent the occurrence of moral hazard, the current maximum limit of insurance for the death of minors is 100,000 yuan, but there is no such restriction on aviation accidents.

Myth 4: Children's financial management should be enough to plan for their lives.

The insurance plan made by parents for their children should not be too long, and the protection period is generally 25-30 years old. Once a child encounters unpredictable risks on the road of life, he can flexibly make decisions on the next step of insurance planning.