Is it necessary to buy health insurance, and is it appropriate to buy it for children?

I think it is very necessary to buy health insurance for children, especially children's critical illness insurance, because one thing that impresses me particularly is that the neighbor's child, who is already in the fifth grade of primary school, has been treated in the hospital for a long time because of a serious illness, the child's mother cries every day, the whole family is exhausted, in order to treat the child, the family's car and house are sold, but in the end the child is still not saved, because I have been sad for a long time, it is really unpredictable. So based on this matter, I bought a children's critical illness insurance for my child in Ping An Good Life Insurance**, the applicable age is from full month to 18 years old, covering 30 common critical illnesses, with a maximum insurance amount of 500,000, which is responsible for the child and also gives the family a guarantee, of course, I hope my child has been healthy. You can ask me for advice, and if you don't understand, you can continue to ask.

People eat cereals, it is inevitable not to get sick, it is particularly important to buy medical and health insurance, commercial insurance as a supplement to social security, there are many medical insurance, generally one-year medical insurance, the most common is millions of medical insurance, the rate is not high, suitable for low-income families to buy, purchase insurance order, first protect adults, and then protect children, only adults have protection, it is possible to afford children's premiums and life, children give priority to the purchase of accident insurance and medical insurance,

If appropriate, it is necessary to prevent it in advance

Insurance is a must, so it's best to buy it if you don't have one.

Hello, have you ever understood what insurance is? What are the protection responsibilities of insurance? Only when you understand it will you know what type of insurance you need! Need to know can be contacted!

First of all, you must recognize the current situation and economic situation of your family. Buying insurance for children should be considered comprehensively, one is to see whether the family's economic situation is allowed, the second is to see whether the family's economic pressure is great, and the third is to see the economic sustainability of one's own family. If you don't think about these things clearly, you don't have to buy insurance for your children blindly.

Summary. Dear, I'm glad to answer your <>

It is necessary to have health insurance for your child. Health insurance is insurance that pays benefits for losses caused by health reasons. There are many types of insurance, mainly medical, illness, income protection, and nursing care insurance.

It is still necessary to buy health insurance for children, after all, health insurance is to provide protection for the health of the insured, and children are growing up because their bodies are constantly developing, so the probability of disease is relatively high, and insurance can also provide good protection. And if you want to buy health insurance for your child, you must buy it as soon as possible, because the sooner you buy it. The cheaper the premium.

Is it necessary to have health insurance for your child?

Dear, I'm glad to answer your <>

It is necessary to have health insurance for your child. Health insurance is insurance that pays benefits for losses caused by health reasons. There are many types of empty insurance, mainly medical, illness, income protection, and nursing care insurance.

It is still necessary to buy health insurance for children, after all, health insurance is to protect the health of the insured, and the child is growing up because the body is constantly developing, so the probability of disease is relatively high. And if you want to buy health insurance for your child, you must buy it as soon as possible, because the sooner you buy it. The cheaper the premium.

I paid a health insurance for my child, and I paid it for 30 years for life, but I couldn't get the principal in the end, can I pay this insurance?

Pay 3200 a year

The role of health insurance: The scope of payment usually includes medical expenses, loss of income, funeral expenses and living expenses of the survivors. Most of this kind of insurance is combined with injury insurance, and some are combined with life insurance.

An insurance policy that compensates the insured for expenses or losses caused by illness or injury caused by an accident. <>

This kind of insurance that will not get the principal back is not recommended to be paid.

Many people also advised me not to make friends.

Yes, this one is not cost-effective and not recommended.

I'd like to find out.

Yes, this is not recommended to pay ha.

If you want to return, it has been four years, and how much can you return?

You can only get half of the premium or 30% of the premium.

I think it is necessary, and it is necessary to buy children's health insurance to protect the safety of children.

In fact, it is very necessary to buy, mainly because children may have all kinds of accidents when they are young, so buying this bending empty insurance is also for the sake of children.

It is necessary to buy without delay, in fact, children will also have a lot of dry and bumpy situations, plus the epidemic force is relatively low, and the health will always be affected.

To buy! Children are young, have weak body resistance, and are prone to some risks of getting sick, so it is very necessary to configure health insurance for children as early as possible!

For children should choose the following three categories of products:

1. Critical illness insurance.

Critical illness insurance is to prevent losses caused by critical illness, and some children with high incidence of critical illness, such as leukemia, can be configured to reduce financial losses by configuring critical illness insurance. Therefore, when parents choose critical illness insurance for their children, they must choose insurance that covers common children's critical illnesses.

2. Hospitalization medical insurance.

The child is young and has a high probability of hospitalization, and hospitalization medical insurance can reimburse a certain percentage of the cost of hospitalization, and it is relatively cheap!

3. Children's accident insurance.

Children's accident insurance is essential, and choosing a special children's accident insurance can protect your child from losses caused by accidents.

Hello! When purchasing health insurance for their children, parents should give priority to improving their children's medical protection, then pay attention to their critical illness protection, and finally choose to apply online to save on premiums. Here are the relevant tips that you can use as a reference:

1. Prioritize improving children's medical insurance: Compared with ordinary children's outpatient medical expenses, children's inpatient medical expenses are undoubtedly a major risk, so parents should pay special attention to inpatient medical insurance when buying children's medical insurance for their children.

2. Secondly, pay attention to critical illness protection: compared with minor illnesses such as children's colds and fevers, common high-incidence critical illnesses such as leukemia and hand-and-mouth disease are undoubtedly a major risk for the whole family. It is recommended that parents should clarify the coverage when applying for children's critical illness insurance and check whether the selected children's critical illness insurance covers common children's critical illnesses.

It is recommended that the insured amount for critical illness be more than 50,000 yuan, otherwise the meaning of insurance will be lost.

3. Finally, choose the right insurance method: There are many ways to buy children's health insurance, including going to the insurance company to apply for insurance, looking for an insurer, and applying for insurance online. Comparatively speaking, online insurance is more convenient and affordable.

Health insurance is suitable for children. Medical insurance, sickness insurance, loss of disability income insurance, and nursing care insurance are combined into health insurance. Everyone is familiar with critical illness insurance and medical insurance.

1) Critical illness insurance.

Critical illness insurance is a type of insurance born for critical illness, which is more suitable for children, young people, and middle-aged people, and the earlier you apply for insurance, the cheaper the premium.

When choosing critical illness insurance, you need to pay attention to:

1. Mild, moderate and critical illness protection should be complete.

As an excellent critical illness insurance product, in addition to critical illness protection, it also covers mild and moderate illnesses. The more types of high-incidence diseases covered by mild and moderate illness, the better, which increases the probability of claims. However, when it comes to serious diseases, the more the better.

The new critical illness regulations promulgated by the state stipulate that any critical illness insurance must cover 28 types of high-incidence critical illnesses, so it can be said that the critical illness protection of the insured is sufficient, so there is not much difference between the types of critical illness protection and the types of critical illness protection, whether there are 100 or 80 types of critical illness insurance.

2. Choose an adequate sum insured.

Now, the cost of critical illness is about 300,000 yuan, and if you want better means, the cost must reach at least 500,000 yuan. Therefore, when we buy critical illness insurance, it is recommended that the insurance amount should be at least 300,000 yuan in order to play a basic role in protection. If you have a larger purchase budget, we can also expand the amount of coverage.

The mystery is inside

3. It is better to have multiple claims for cancer and other bonus points.

Critical illness insurance should not only have basic benefits such as death and waiver of the insured, but also have the advantages of multiple claims for cancer, so as to achieve more comprehensive protection. More detailed suggestions on critical illness insurance have been summarized for everyone, essential dry goods, worth having:"Top 10 New Definition Critical Illness Insurance** Points to Buy".

2) Medical insurance.

Medical insurance is mainly complementary to medical insurance, with the effect of reimbursement, you need to pay attention to the following when purchasing

1. Pay attention to the content of guarantees.

The basic coverage of medical insurance includes general hospitalization and critical illness hospitalization, special outpatient services, outpatient surgery, and outpatient and emergency services before and after hospitalization. The terms of the excellent million medical insurance, the terms of the protection of Fan Ye ridge must be as comprehensive as possible, so this also means that we can enjoy more reimbursement coverage, and there are more medical expenses to be reimbursed in the process of hospital**.

2. Look at the renewal conditions.

When we are usually choosing medical insurance, it is more worthwhile to have products with lenient renewal conditions or guaranteed renewal. In other words, a good medical insurance product will not refuse insurance or increase the premium because the insured's health has deteriorated or the insured has been claimed.

3. Pay attention to value-added services.

Including cost-effective value-added services, inpatient medical expenses advance, medical green pass, proton heavy ion reimbursement and so on are generally available, the more the better. If you still want to know more about the value-added services of medical insurance, the following article has what you want to know:"You know what medical insurance is"Value-added services"Is it?

[Write the Heng Spine Banquet 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.

Whether it is necessary to purchase a child health insurance should be analyzed on a case-by-case basis. Children's resistance and physical fitness are relatively weak, and the resistance to disease is also relatively poor, and it is common to be hospitalized when sick, and the current medical expenses are expensive, and the medical expenses accumulated during the period may often cause greater pressure on ordinary families. Children's health insurance can alleviate financial pressures in this regard; Nowadays, problems such as decoration pollution, air pollution and food safety also further threaten the life and health of children in handshirts, and children's health insurance can give more comprehensive protection, and at the same time can minimize the risk of children's illness and transfer the risk to insurance companies.

In addition, the disadvantage of children's health insurance is that the premium is expensive. Although the medical experience is better, it is also visible to the naked eye, which is 50% more expensive than other children's insurance.

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