I want to buy insurance for my son, the reimbursement type, about 500 per month can be afforded, I r

Hello! I'm very glad you have such a good sense of insurance, you can refer to the following!

You say that the reimbursement type refers to the kind that can be reimbursed for hospitalization when you are sick, right? Chinese Life currently has a student auspicious card is a kind of accident insurance, the requirement is that students aged three to 25 years old, annual payment of 150 yuan, 80,000 accidental disability, 20,000 accidental medical treatment (including outpatient and inpatient), 50,000 disease inpatient medical treatment, the observation period is 90 days after you can enjoy hospitalization reimbursement. However, at the moment, your baby is not old enough to purchase this accident insurance.

In order to make a more long-term plan, you can't help but consider another Ruixin critical illness full dividend insurance, insured to 80 years old, such as a two-year-old boy annual payment of 3,336 yuan basic insurance amount of 90,000 yuan, payment period of 20 years, this product has 12 kinds of critical illness protection, every three years fixed return of 2400 yuan, and there is an annual dividend distribution, fixed survival funds and dividends do not receive cumulative compound interest. The benefits of the baby are: survive to the age of 80 can receive a maturity pension of 90,000 yuan, a fixed survival pension of 62,400 yuan, a conservative dividend of more than 100,000 yuan of cumulative compound interest, (if two cumulative compound interest will be more profitable), 90,000 yuan will be paid for the diagnosis of a major disease after the 180-day observation period, or 90,000 yuan will be paid for death.

This type of insurance takes into account the five aspects of life, old age, sickness, death, and wealth, and has survival funds and dividend income while protecting health, which you can use as your children's future college education or marriage funds, or entrepreneurial funds.

On the basis of this main insurance, additional hospitalization medical treatment, 5000 yuan of hospitalization medical expenses of 260 yuan, 1000000 yuan of medical treatment is 520 yuan, you can buy a year after canceling, until the child is three years old after the transfer of student auspicious card.

Note: Because the basic insurance amount for minors does not exceed 100,000 yuan according to the law, the insurance amount is 90,000 yuan.

I heard that there is a product of Sino-British Life Insurance that is suitable for children, which is not bad At that time, I was also in the bank to listen to the bank's account manager I don't know the specifics I am not from the insurance company You can enter their company's ** to see It seems that the child does not have to pay any money if he is sick and hospitalized The insurance company will help you settle the bill when he is discharged from the hospital I think it is okay You can go and see it to find out.

The annual premium is about 10-15% of the annual income, which is reasonable!

The most basic (and most practical) insurance package for children, in a nutshell, a one-year-old baby example:

1. If you invest in education for your child, pay a total of 80,000 yuan in 15 years, then you can receive 60,000 yuan to your child's high school and college, 20,000 yuan when you get married, and there are 60,000 yuan in the account at this time, and if you receive a pension at the age of 60, you can receive 3,000 yuan per month, and a total of 700,000 yuan in 20 years! After the age of 80, there are still 170,000 in the account! 550,000 yuan in the account at the age of 100, and an additional 50,000 yuan in the case of 100 years old or death!

8% of the sum insured will be refunded every 3 years for life!

2. Attach a comprehensive accident hospitalization medical insurance! Reimbursement for all accidental hospitalizations and medical malpractice is included! There is no limit to the number of reimbursements, and the waiting period for hospitalization is only 30 days! The reimbursement rate is 80%!

3. You can attach a critical illness insurance to protect you until the age of 88, pay for 20 years, the sum insured is 50,000, and the cumulative payment is 16,000, you can get 40 kinds of critical illness protection, enjoy the compensation mechanism for four major illnesses, and enjoy the annual dividend and final dividend, and receive a one-time maturity payment of 50,000 yuan when the contract is terminated at the age of 88!

You can refer to the life of Chinese life, with an annual premium of 5719 and a total of ten years. Before the age of 55, you can receive yuan every year, this money can be accumulated with compound interest, if you use compound interest accumulation, when your son goes to college, there will be about 10,000 yuan, this number can generally meet the tuition fees of four years of college (except for those who have to go to aristocratic schools), and the rest of the money can be accumulated again. From the age of 18 to the age of 55, you can enjoy an accident benefit of 100,000 yuan plus a premium of 51,790 yuan, and after the first year of insurance, you can enjoy a death benefit of 20,000+ 57,190 yuan from the age of 55.

55-74 years old receive 2,000 per year, 75 years old receive another 10,000. In addition, enjoy annual dividends.

Personally, it is recommended that this insurance be bought on adults, the money returned in the first 18 years can be used for children's education, and the later return can be used as their own pension supplement, of course, this is only a personal opinion, please refer to the actual situation and then decide whether to buy adults or children.

I hope my answer will be helpful to you.

Children's insurance is actually more complicated than adult's insurance, and it is important to emphasize the order when purchasing.

1.Accident insurance, illness medical insurance: children are active, it is inevitable that there will be a bump, this risk has the highest incidence, so put it in the first place.

Recommend Chinese Life Student Child Insurance, (there are some other insurance companies salesmen have purchased this insurance, it can be seen that its cost performance is very high), it covers accidental injury insurance, accidental outpatient, accident or disease hospitalization, etc., is the first choice for children to insure.

2.After buying accident insurance, you should consider critical illness insurance. When it comes to buying insurance, experts always emphasize the first step in protection.

First, investment and savings second. Under this premise, the most important insurance for children is accident and medical insurance, especially for critical illness. According to the current situation of China's medical system, children and adolescents are basically in a state of lack of medical security.

When it comes to age, generally speaking, the sooner you buy insurance, the lower the premium, and the sooner your child is covered. Chinese Life's Corning Term Critical Illness Insurance covers 20 critical illnesses and is the best choice for children in this regard.

3.With sickness and accident protection, parents can think about their children's future education. In this case, you can purchase an education benefit type of children's insurance.

Financing the education of children in the form of insurance is equivalent to a compulsory savings. In the event of an accident to the parents, if the child purchases a "premium waiver" insurance product, the child will not only be exempted from paying the later premium, but also get a living allowance.

Therefore, the correct order of buying insurance should be like this.

1.Buy accident insurance first.

Recommended Chinese Life Student Child Insurance, 190 yuan).

2.Then purchase critical illness insurance.

Recommend Chinese Life Kangning regular critical illness insurance, about 2000 to cover 150,000).

3.Consider children's education, endowment insurance, and participating financial insurance.

Recommend the combination of Chinese Shouhongyun children's and children's education insurance, about 3000).

Just five thousand is enough.

Hello, understand the characteristics of children's stages: there are more bumps, and they will face the problem of school education in the future, so they will focus on education savings insurance and critical illness and medical treatment.

We hope you are satisfied!

Hello friends; Welcome to Kwai net consultation, the meaning of insurance is protection, the most important thing is what kind of insurance planning can really meet their own needs, 1-year-old baby, self-protection awareness is not strong, should pay attention to the care of the disease, strengthen the protection of accidents, supplement the lack of medical care, every parent does not want their children to lose at the starting line, so the children's college education, marriage and entrepreneurship reserves are also the focus of every parent's attention, I hope to help you, good wishes, dedicated to your service answers. Reference: Auspicious Three Treasures Gold Butler 1-year-old Auspicious Baby Silver Plan.

Hello! Buying insurance depends on what your needs are, and only the insurance that can meet your needs is the most suitable insurance for you, and it is also the best insurance! It is recommended to improve the medical insurance in communities and towns, and then use less funds to supplement medical insurance, accidents, critical illnesses and other protections, and finally use most of the funds to reserve education funds for children.

Reference: How parents buy insurance for their children Ping An of China's "Most Respected" insurance plan for ten years of university education and entrepreneurship funds --.Give your child an unchanging love--- less peace.

Hello, insurance is based on your needs and affordability, and how much you pay is up to you. It is recommended to supplement social security medical care first, and then use commercial insurance to supplement accidents, critical illnesses, etc., education funds, wedding funds, etc. are relatively rigid, can be supplemented according to your family's financial situation, insurance should not exceed 20% of the total family income, and consider whether the protection of adults is comprehensive, after all, adults are the pillars of the family. Children's insurance is safe in the century Tianjiao, Jixing sends treasure, Xinli combination is good, you can refer to the corresponding insurance according to how much money you want to invest for the baby.

Hello, it is recommended to apply for a children's medical insurance for the child first, which has accident and hospitalization protection, which can be used as a supplement to the medical insurance. In addition, when buying education insurance for children, please carefully check whether the protection of adults is sufficient, because adults are children's insurance, in fact, adult savings critical illness insurance can also save education funds for children. Reference:

Safe and happy baby children's card! Household income distribution chart for ordinary people Children's Century Angel (dividend) Safe family outwits life, critical illness, medical and pension security.

Hello! You are welcome to contact us! Glad to serve you!

1. What problem do you buy this insurance to solve? 2. It is most appropriate for the baby's premium to not exceed 8% of your annual income, because adults also need protection; 3. Be sure to do an analysis before purchasing, and how to help you design is to maximize benefits. It is recommended that you find a local professional ** person, if necessary, welcome to communicate!

I wish the baby a healthy growth!

The insurance principles explained by the above peers are already very comprehensive! On the basis of considering the safety and health of the child, the rest of the money can be invested in the child's education reserve. 5,000 yuan a year, which is not bad! On behalf of the children, thank you for being such a wise parent!

Hello: First of all, it is very important to establish a comprehensive health care for your child. On this basis, we will save for education.

Hello, children should consider medical protection first. We hope to tailor the most suitable protection plan for you according to the actual situation.

Hello, I don't know how many years you want to be? What is the role of thinking about it?