My son has just reached the full moon, what insurance is appropriate?

Xueba says insurance, to help you avoid all the pitfalls of buying insurance for your children! This year, the comparison table of 136 best-selling children's critical illness insurance has been updated

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How to buy insurance for your child

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

Neonatal medical insurance (medical insurance for urban and rural residents) is a national basic insurance, and children should be handled immediately as soon as they are born.

Second, commercial insurance gives priority to critical illness insurance + medical insurance + accident insurance.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). In addition, critical illness insurance can directly pay a large amount of cash after getting sick, which can not only solve the problem of medical expenses, but also solve many hidden problems in the future, such as falling behind due to illness, or some irreparable losses in subsequent life, 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 sum insured of 10,000 yuan is only one or two hundred yuan per year, which is not expensive and very useful.

Finally, to configure an accident insurance, it is very cheap for children to buy accident insurance, 200,000 yuan per year, only sixty or seventy yuan, can protect children from disability, death and medical liability caused by accidents, not expensive, and very useful.

Third, is there any insurance that I should not buy for my child?

Don't choose life insurance for your child, and try not to attach both liabilities to critical illness insurance. I know the specific reasons in this articleHow to buy the most cost-effective child insurance? The most complete insurance strategy!

has been introduced in detail, because it is very detailed in the manuscript, so I will not waste time here.

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

That's all for me"My son has just reached the full moon, what insurance is appropriate? "All of them, I hope it helps you! Hope!

Generally, babies can buy insurance when they are 28 days old, but it depends on the restrictions of the terms, the most basic function of insurance should be protection, or it is better to give priority to adding sufficient protection to children, and the protection products are accident insurance, life insurance, health insurance, and the insurance regulatory commission stipulates that the life insurance amount of minors shall not exceed 100,000, so the sum insured amount of accident insurance and life insurance should not exceed 100,000, otherwise it is a waste of money. You can search for Shuidi Bao, go to Shuidi Bao Insurance to see, they only have one product with high performance and price in each category, so you don't have to compare and choose around.

<> there are many people who are more prescient now, and for car buyers, they must go to the rescue, and some people will take out medical insurance for themselves. For those who work in regular places, the unit will take five insurances and one housing fund, all in order to have good protection in the future. So what kind of insurance is the newborn baby?

For newborn babies, it is best to be able to get medical insurance, because babies are easy to get sick when they are young, and medical insurance can reduce the burden on the family. For people with a better family situation, you can also give your baby a certain amount of money insurance when he reaches a certain age, which is better than saving money.

After the baby is covered by medical insurance, most of the hospitalization expenses can be well reimbursed, and even after the baby grows up, you can continue to take this insurance. If you don't know which kind of insurance to give your baby, you can consult the relevant units, so that there are professionals who will give you the right guidance and choose the right insurance for your baby.

In this society, insurance is also a very necessary thing, although some insurance is not necessarily useful, but it can always make people feel very down-to-earth, for people with conditions or to give the baby a suitable insurance. Because each insurance is suitable for different age groups, it is necessary to choose according to the actual situation of the baby.

General recommendations. Accident, medical, and critical illness are combined.

Then there is spare money to consider for the education grant.

Accident recommendations include out-of-pocket medication items with no deductible.

Medical advice is millions of medical foundations, and the more responsibilities are up, the better.

Critical illness can be regular or lifelong according to the budget, and the premium will be much different.

Hello! There are many types of insurance that can be insured for babies who have just reached the first month, including children's accident insurance, children's health insurance and children's education insurance, etc., which have their own characteristics, and parents can choose the right products according to the actual protection needs of the baby and the family's economic conditions. It should be noted that the baby's ability to resist risks is very weak and it is easy to have accidents, so accident insurance should be prioritized; The baby's constitution is weak and his ability to resist diseases is insufficient, so it is necessary to buy a health insurance; The cost of education for babies in junior high school, high school, and college is increasing, and if you want to reduce the burden of education, you should also buy education insurance as soon as possible.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

The first thing to allocate insurance for children is children's medical insurance, followed by critical illness, medical and accident insurance of commercial insurance. And we should pay more attention to the cost performance of the product and whether it is suitable for children when buying insurance, rather than blindly pursuing big companies and big brands.

1. How to buy children's insurance

Daddy here first said that children's insurance can bring protection to children, but if the family budget is limited, Daddy still recommends giving priority to buying relevant insurance for the family's financial pillar before considering children's insurance. And how to buy insurance for the breadwinner of the family? See here:

How to buy insurance for the breadwinner of the family? Daddy has a few tricks for you! 》

1.The order in which children's insurance is purchased

The following is the order of buying children's insurance given by the daddy:

Children's Medical Insurance - Children's Critical Illness Insurance - Children's Accident Insurance - Children's Education Insurance (Relaxed Economic Conditions).

In childhood, our primary concern is physical health. Medical insurance can be reimbursed for the cost of medical treatment, so the first thing to buy is children's medical insurance.

With the younger age of critical illness, especially leukemia is the killer of children in recent years. Therefore, it is also very important to purchase critical illness insurance for children.

The second consideration is to purchase a child accident insurance to cover the financial expenses in the event of an accident.

Finally, considering the family's budget and hopes for children, you can consider purchasing a children's education fund.

Second, the daddy summary

For children's insurance, dads think that it is still necessary to buy appropriate children's insurance for their children according to their children's growth environment, family income and other factors.

Children's insurance Q&A: Hello, for children's insurance, different types of insurance are to solve different problems, parents buy insurance for their children, the key depends on what parents are most concerned about. A comprehensive and complete children's insurance should include the following three aspects.

The first aspect: reimbursement of outpatient and inpatient medical expenses for children's accidents. Children have poor self-control, are lively and active, and have strong curiosity, which will inevitably lead to bumps and bumps, and accidental medical treatment can solve the cost of outpatient treatment; In addition, children with colds and fevers are often hospitalized, and the cost is not small.

When considering purchasing insurance, it is recommended to buy additional hospitalization medical insurance to cover the losses caused by accidents and illnesses. The second aspect: children's critical illness benefit.

Critical illnesses tend to be younger and younger, and the high medical costs of critical illnesses have become a heavy burden for some families, and it is also essential to protect children in this regard. The third aspect: children's education savings.

This type of insurance mainly covers the tuition fees of children who will go to school or study abroad in the future. Higher and higher education expenditures and the future of the unavoidable are all responsibilities for parents, and it is very necessary to make financial plans and arrangements for their children in advance. In the event of an accident or serious illness of the parents, if the child purchases an insurance product that can waive the premium, the child will not only be exempted from paying the premium, but also receive a living allowance.

Health medical insurance comes first, because everything from small bumps and bumps to large outpatient medical treatment and even major illnesses are covered in health medical insurance. At this stage, if you consider consumption, the attached plan is for your reference, 450 yuan a year. 1. Accidental injury 100,000 yuan 2, illness death 100,000 yuan 3, critical illness protection 5,000 yuan 4, inpatient medical treatment 100,000 yuan 5, outpatient accident medical treatment 10,000 yuan comprehensive protection and planning, you need to understand in detail after giving you a more suitable reference, welcome to click on my avatar to add QQ or hit ** for one-on-one consultation.

Hello, the child's protection is divided into social security and commercial insurance, you can go to the community where you live to learn about the social security of 50 yuan, is 50% reimbursement for the child's hospitalization, if the child goes to school, the school will have a school level insurance, that is, the child can be reimbursed for a part of the bump in the school, and the rest can be supplemented with commercial insurance, which company is not important, it is important to be suitable for you, you can consider the universal insurance of Sunshine Insurance Company includes accidents, illness, hospitalization, For example, a 0-year-old child can save 6,000 yuan per year (500 yuan per month) for 10 consecutive years. (A total deposit of 6000000) After the child has this account, the care received by the child is as follows:1

60%-100% reimbursement of basic medical expenses for hospitalization, hospitalization allowance of 20 yuan per day, 90 days, 1800 yuan per time2The child has an accidental medical allowance of 4,000 yuan per year; 3.The child has an accidental disability benefit of 20,000 yuan per year; 4.

The child has a serious illness protection of 50,000 yuan per year; 5.When children are 18-22 years old, they have 25,000 yuan per year to supplement their college education. ($100,000 in total); 6.

If the university education fund is not received, the child can receive a one-time subsidy of 15-200,000 yuan for an entrepreneurship fund or marriage fund when he reaches the age of 25.

Hello! In fact, the products of each insurance company are much the same! The most important thing is to be clear to yourself, what problem do you want insurance to solve for you?

Is it a guarantee? Educate? Or pension?

- Suggestion: Your current stage of life: family growth This period is the foundation period of life, and raising and educating children is an important part of your life.

Insurance coverage is essential for families with minor children. On the one hand, the husband and wife, especially the family breadwinner, must be fully prepared for accident protection, medical insurance, critical illness protection and retirement and old-age care"Faucet"In the event of a break, the child can be financially supported by insurance to continue to receive a good education; On the other hand, you can consider children's education and medical insurance. If you apply for insurance scientifically, the amount of insurance you can apply for is controlled in:

Therefore, on the basis of social security and medical care for urban residents with children, the whole family will make up for it with commercial insurance. Nowadays, there are many products that combine critical illness, protection, and pension, and do you want consumption-oriented products or savings-based? The sky of fate!

Hello, you want to consider that aspect of the education fund for your child or healthy, our suggestion is that the combination of the two is more suitable, about how much to pay a year.

The Pacific Blessing Baby Plan is very suitable, with children's education, medical care, financial management, etc., take a look at the following case reference: Fortune Baby Plan.

Hello, I am happy to serve you, first improve social security, and then buy commercial insurance, It is recommended to consider Ping An's wisdom star protection is more comprehensive. I wish you peace and happiness.

Hello, first of all, give priority to your child's social security. Secondly, the aspects that can be considered when buying insurance for children are sudden critical illness, accident, medical treatment and education funds. Through further communication, we can create a coverage plan for you that meets your needs, depending on your needs.

Hello, for children who have just reached the end of the month, insurance can solve the following problems:1. Inpatient Medical, 2 Accident & Medical. 3 Critical Illness, 4 Education Grants. You can compare the strengths and weaknesses of each company's products and choose the best one for you.

Accident insurance, medical insurance, critical illness insurance, education insurance, etc.

1.Accident insurance: children are lively and active in the process of growing up, bumps and bumps are inevitable, now many families like to have pets, cats scratch the town of the world dog bite are likely to encounter, so a few cents a day of accident insurance can solve the cost of these accidents caused by the expense of reimbursement, 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 their own expenses, children are more prenated, 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 ** not and travel rent is only the hope of the parents' life is also the motivation for the child's financial and business 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 as a whole, 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 there is a principle of insurance configuration, under the condition of limited conditions, first protect adults and then children, but accidents, critical illness is just needed for adults and children, is a necessary insurance for life.

The above suggestions are for reference.