The baby has just been a full month, and I want to buy an insurance, what kind of insurance is good?

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What insurance is good for children

This problem has discouraged countless mothers and fathers who want to buy insurance for their babies, and then we will sort out the methods and ideas for buying insurance for their children! Keep these three points in mind:

First, medical insurance must be handled well, which is the basic guarantee of the people!

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, so this must be handled for the child.

Second, after running medical insurance, it is necessary to consider fully configuring commercial insurance, and it is recommended to give priority to critical illness insurance + medical insurance + accident insurance.

First of all, critical illness insurance, which provides a relatively long period of protection. Secondly, critical illness insurance is paid directly in cash after getting sick, which can not only solve the problem of medical expenses, but also solve many hidden problems caused by illness, 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 policy can be used to solve these problems.

Let's talk about 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 1,200 yuan per year, which is very cost-effective.

Finally, it is necessary to have an accident insurance, it is very cheap for children to buy accident insurance, and the amount of insurance of 20w is only sixty or seventy yuan per year, you don't see that the money is not much, but in fact, the protection is quite extensive, accidental death, disability, and accidental medical liability are within the scope of protection, which is very practical.

Third, what insurance should not be bought for children?

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

There has been a detailed introduction in , so I won't go into too much detail here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, 1000 yuan per year can be configured comprehensively, if you buy lifelong protection, it is only two or three thousand per year, not expensive, and very useful.

That's all for me"The baby has just been a full month, and I want to buy an insurance, what kind of insurance is good?"All of them, I hope it helps you! Hope!

When buying insurance for children, the first thing to consider is health, accidents, and secondly, education funds and so on.

Health and education The younger you are, the lower the cost.

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.

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 chase the letter, ask for a one-step balance, and solve it gradually.

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! 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.

<> 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.

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

First of all, if an adult has insurance, it is the best and greatest insurance protection for children.

At the same time, the order of purchase of the family is: 1, the economic pillar; 2. Your lover; 3. Family members without financial income, such as children, the elderly, etc.

Secondly, for insurance, the order of purchasing insurance is: protection products must be provided first, including 1, consumption (accident insurance, term life insurance, etc.); 2. Accumulation type (whole life insurance, comprehensive insurance, etc.). Then there is medical insurance (general medical care, serious illness medical insurance, etc.), endowment insurance, children's education funds, investment dividend products, etc.

The principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

For example, first purchase the social insurance launched by the state (it is best to have a unit come forward to purchase), such as the cooperative medical insurance for rural households or the medical insurance for urban residents with urban households, and then consider commercial insurance as a supplement.

For each of us, we should focus on health insurance. That is, medical insurance and protection products are the first, and then the combination of pension insurance, children's education funds, and dividend investment products is considered.

Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Insurance follows the "high loss priority principle", that is, if a risk accident occurs infrequently, but the loss is serious, priority is given to insurance.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

To be honest, we make money for a lifetime, and at the same time, we spend money for a lifetime, so why does everyone work so hard? In the future, pension, medical care, children's education, etc., but must have a healthy body, smart people know this truth, only the capital to make money, you can make more money, so it is important to buy adequate medical insurance. If you are not healthy, it is impractical to have more pension insurance.

Here, I know that in this industry, there are three recognized sentences that say this: "brand in life", "Ping An talents" and "Xinhua products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally medium and long-term contracts, and if you buy it, you can become a lifelong happiness, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) To buy insurance, you must first protect the head of the family, if the main wealth creator of the family is not protected, then the premium? Cost of living? and other family expenses are not ***.

5) Buy insurance first for adults and then children, and adults are the best protection for children. If adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is the adults who pay the relevant fees for the children.

1. The baby who is more than 28 days old has the insured for many types of insurance.

2. Newborn babies can refer to the following plans for configuring insurance: first, participate in social security, which is the basic insurance, and secondly, configure commercial insurance on the basis of social security. There is also an order for the configuration of commercial insurance:

Priority is given to protection types of insurance, such as accident insurance, medical insurance, and critical illness insurance. The reason is that children are young, have a weak sense of prevention, and are not strong in their ability to adapt to the environment, so they should give priority to protection-type insurance, which is not only low in premium but also has a long protection time compared with adults;

Families with good economic conditions can configure education and pension insurance. Because when you grow up, you can't do without education, and you can't avoid getting old.

After configuring the above types of insurance, you can also consider whole life insurance and asset inheritance types if necessary; But the protection type is the foundation, and without the protection of health insurance, everything else is variable.

3. The insured amount of insurance is measured according to the actual needs and ability of the family to pay, the higher the better.

4. The most fundamental insurance for children is their parents, because before the baby grows up and has the financial ability, they all rely on their parents to raise, and parents are the pillars of the family and children, so the protection of parents cannot be ignored.

The baby who has just completed the month can buy him a local resident insurance, and secondly, you can also buy a commercial underwriter, commercial insurance, you can buy Ping An of China or Chinese hand, they are two big brands of insurance.