What kind of insurance should a 1 year old child buy?

Parents who buy life insurance for their children obviously don't think clearly about the purpose of buying insurance. Because the role of life insurance in the protection system is to compensate for the financial blow caused to the family by the death of a family member. Obviously, most children do not contribute to the family's economic income and do not need life insurance protection.

In addition, in order to prevent "moral hazard" and protect the personal safety of minors, the Insurance Law limits the amount of insurance for the death of children: for the insured under the age of 10, it shall not exceed RMB 200,000; If the insured person has reached the age of 10 but is under the age of 18, it shall not exceed RMB 500,000.

First of all, it is not what insurance should children buy, but what kind of protection do you want to give your children in the future, do you only want to buy critical illness and accidents? Or do you want to buy a combined whole life insurance plan with comprehensive coverage? Second, plan according to your own financial situation, to put it bluntly, how much money you can take out a month to insure your child.

Third, the type of insurance should be in line with China's inflation rate in the coming period.

The first step is to buy children's medical insurance, which can be said to be a national welfare, and there is no requirement for the health of the child, premature birth and congenital diseases can be insured. The second step is to purchase million medical insurance and accident insurance, million medical insurance and accident insurance are the focus of everyone's allocation of insurance, against the two major risks of accident and disease, and the leverage is very high.

Medical insurance can transfer the risk of high medical expenses for illness, critical illness insurance can transfer the risk of ** and nursing expenses, plus accidental medical protection, the protection of children before adulthood can basically be covered. It is suitable for families with a relatively sufficient budget and want to have more adequate medical protection for their children.

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If you have enough budget, it is no problem to buy critical illness insurance for your child for life. However, for the average salaryman, the father recommends that the child buy critical illness insurance until the age of 30, or even the age of 20. On the other hand, looking at the development history of insurance, the current insurance products are much better than the insurance products 20 years ago, with more comprehensive protection and higher cost performance.

Be sure to enroll your child in children's medical insurance, which is the basic guarantee; Don't spend a lot of money on insurance for your child, but the adult is running naked, and once something happens, the child's premium may not be able to pay; Children's premiums should not be too high, and it is recommended to purchase consumer-oriented insurance; Don't go overboard with life-long critical illness insurance, especially don't buy returnable critical illness insurance.

It is recommended for children to buy consumer-based critical illness insurance, which is a very good choice for 20 or 30 years, and the 500,000 insurance amount is only a few hundred yuan per year, and the leverage is very high. If your family budget is sufficient, you can purchase lifelong critical illness insurance.

Hello! There are 4 basic types of insurance that children should buy:

1. Children's medical insurance.

Children's medical insurance in social security can provide the most basic medical protection for children.

It can be handled 28 days after the birth of the child, and the parents must handle it in time to let the baby get basic protection.

In addition, if it is done within 3 months of birth, the baby's medical expenses from this time of birth will be reimbursed.

As for **, the charging standard of children's medical insurance varies slightly from region to region, but the state will subsidize 40% to 60%, so the annual cost is between 100-500, and we don't have to worry about it.

2. Medical insurance.

Like children's medical insurance, it is to protect the medical risks caused by accidents or diseases, which can well supplement the shortcomings of children's medical insurance, and it is reimbursement-based.

At present, there are two common types of commercial medical insurance: million medical insurance and small medical insurance.

Million medical insurance can reimburse millions of medical expenses, and the premium is only a few hundred yuan, which is very cost-effective.

Generally, if the deductible reaches 10,000 yuan, you can reimburse various medical expenses such as hospitalization, surgery, medicine, and examination fees.

When choosing a product for your child, focus on the following points:

If the child's immunity is low and the frequency of minor illnesses and pains is high, you can also configure a small medical insurance to minimize the cost when the child is sick.

3. Critical illness insurance.

Although the child does not need to bear the family finance** and has no income, once the child is seriously ill, the parent will definitely have to take care of it, and the income will definitely be greatly affected for the family.

At this time, if there is children's critical illness insurance, you can make up for the lost income, and you can also pay for the child's subsequent nutrition expenses, and even use it to repay car loans and housing loans.

When choosing a product, you should pay attention to the following points:

4. Accident insurance.

Children are more active and prone to bumps, and accident insurance can reimburse the outpatient and hospitalization expenses incurred by the child's accidental injury.

Children's accident insurance is usually not very high, and it can be bought for as little as a few dozen dollars.

However, it should be noted that the state stipulates that the maximum insurance amount for accidental death of minors is limited to less than 500,000 yuan, and the maximum insurance amount for 10-year-old is limited to less than 200,000 yuan.

However, among the above four items, because most parents can afford the deductible for accidental medical treatment, they can focus on the first three when choosing.

In addition, after laying the foundation for accidents and illnesses for their children, parents who still have spare energy can also plan their children's future education expenses in advance.

You can choose a safe and stable children's annuity insurance or an increased whole life insurance with clear returns, so that you can have enough funds to use when your children need it.

Hope daddy's is helpful to you!

To buy insurance for minors, the main choice is to buy commercial insurance such as student insurance, accident comprehensive insurance, and lifelong or term health insurance. If the child is too young and wants to buy some of the insurance products for the child, it may be restricted by some policy regulations, so you can buy a little less health insurance for the child first, and if it is possible, you can add a hospitalization allowance insurance or hospitalization medical insurance.

In addition, you can also consider buying a children's hospitalization mutual aid fund (about 40-50 yuan per year) for your child at the social security bureau or neighborhood office where your household registration is located, so that the child's protection in terms of medical insurance will be improved. When your child is a little older, buy him some insurance that suits his needs.

Want to know, do the child's parents have insurance now? "Protecting children and adults" is an insurance misunderstanding. If the child's parents are not protected, then even if the child is insured, the child's protection may be unstable.

What if: once something happens to the parents, what will the child pay for the future premiums? So it is recommended:

First establish a security system for the child's parents (first participate in social security, and on this basis, gradually strengthen and improve the allocation of commercial insurance), and then buy some basic insurance products for the child (buying insurance should be a gradual process). Only in this way is it a scientific and correct choice for insurance.

It is very important to choose a salesman who is responsible, proficient in business, and can be trusted by you to apply for commercial insurance. Hopefully, you can find an ideal salesman who can design the insurance plan that you and your family really need and that is suitable for you.

Good luck!

1-year-old children are still young, the probability of suffering from critical illness is not high, so the premium is not high, the choice is larger, the cost performance is also high, and there are many products to choose from. Let me talk about the general idea, which mainly includes critical illness insurance + accident insurance + medical insurance.

1.Critical illness insurance.

The chance of children suffering from critical illness is not high compared to other ages, but the chance of children suffering from certain critical illnesses is actually quite high, so it is recommended to buy it. How much does it cost? Only a few hundred dollars a year!

And there are hundreds of thousands of insurance amounts, and the cost performance is invincible. So what are the critical illness insurances that are worth our careful consideration? Let's find out:

Top 10 [Cheap and High-quality] Children's Critical Illness Insurance! 》

2.Accident insurance.

Little boys and little girls are more lively, so it is easy to bump and bump when playing, at this time buy an accident insurance, you can get a smile and sell a fee for the follow-up**. Is child accident insurance expensive? It is not expensive, it is less than 200 a year, it is recommended to buy.

So is there a comprehensive and cost-effective product? Some! If you are interested, you can take a look:

Designed for 1-year-olds! The 10 best accident insurance to buy! 》

3.Medical insurance.

Under normal circumstances, it is better to buy it with critical illness insurance, which complements each other better, it mainly protects the expenditure of hospitalization, drugs and other expenses, and only about 100 yuan a year can enjoy millions of reimbursement amounts, which is recommended to be configured.

Designed for 1 year old! Top 10 Million Medical Insurance Worth Buying! 》

[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.