What should I pay attention to when buying insurance for my child?

When buying insurance for your child, you should pay attention to these three points:1It is recommended not to buy death insurance; 2.

It is not advisable to buy returnable insurance; 3.Don't just leave your child alone. The child is young, and the insurance premium is not expensive.

On the basis of social security, the child is fully equipped with accident, medical and critical illness insurance, which is about more than 1,000 per year.

Three tips for buying insurance for your child: It is recommended not to buy insurance that specifically covers death, it is better to buy sickness and accident protection first; It is not advisable to buy returnable insurance; Don't just take care of your children, on the basis of social security, you can provide your children with accident, medical and critical illness insurance, and save some money to protect yourself.

Buy insurance for your child and avoid these pitfalls first!

More than 1,000 per year can be fully insured for children. First, children's medical insurance, which is the basic welfare given by the state. Second, children's critical illness insurance.

The sum insured of 500,000 yuan is guaranteed for 30 years, 600 yuan per year. Third, million medical insurance, 6 million hospitalization protection, 800 yuan per year. Fourth, children's accident insurance, 200,000 accident insurance, 60 yuan per year.

What kind of insurance should I buy for my child? What insurances should I not buy? What should I pay attention to when buying insurance for my child? Look at ** and you'll know! I'm Deep Blue Insurance, focusing on insurance evaluation! Pay attention to Deep Blue Insurance, teach you to buy insurance and not pick pits

Recently, many parents have come to take a closer look at their sister's various insurance issues, and they are nothing more than these two points: What are the channels for buying insurance for their children? What types of insurance? What else should I look out for?

Today, as an enthusiastic senior sister, I will talk to all parents!

Let's start with a small insurance book to help parents understand and have a basic understanding of insurance knowledge

Before buying insurance, you must first understand these key knowledge points!

The minimum payment line and the ceiling line are the intervals of medical insurance reimbursement, such as the reimbursement of imported drugs and specific drugs, which cannot be achieved by medical insurance.

Therefore, it is necessary to configure commercial insurance.

2.Health insurance.

Commercial medical insurance is a reimbursement type of insurance, and it is a supplementary part of children's medical insurance, of course, children's medical insurance is also a reimbursement type of insurance, that is, the reimbursement needs to first be the invoice to the insurance company, how much the actual cost of medical treatment, the insurance company will pay how much.

Microhealth insurance and million-dollar medical insurance are the two more common ones.

The main object of micromedical insurance is the small expenses incurred in outpatient and hospitalization, and the reimbursement amount is about tens of thousands, and there is generally no deductible.

Children's immunity is poor, and colds and fevers are common.

Although minor illnesses do not cost a lot of money, but the accumulation of perennial is not a small amount, for this, small medical insurance can help parents reduce financial pressure, do not understand what small medical insurance is better for children? {Don't worry, the senior sister is all sorted out here:.}

Top 10 Best Small Medical Insurance Recommendations for Children!

It doesn't matter if the child suffers from a serious illness, the expensive cost is a heavy blow to any working family, and millions of medical insurance plays a huge role in solving this risk.

As the name suggests, the reimbursement amount of million medical insurance is more than one million yuan, and the reimbursement scope is relatively wide, almost 100% reimbursement of social security, mainly for major diseases, and there is generally a deductible, about 10,000 yuan.

3.Critical illness insurance.

Most parents think that I have even bought medical insurance and commercial medical insurance for my children, so what's the use of buying critical illness insurance?

In fact, it is necessary to purchase critical illness insurance for the following reasons.

As mentioned earlier, medical insurance is a reimbursement type of insurance; Critical illness insurance is a type of benefit-based insurance, and when the insured suffers a critical illness as agreed in the contract, the insurance company will perform the compensation procedure.

There is no restriction on how the insurance money can be used, i.e. it can be used to pay for medical expenses or to compensate for loss of income.

If the child is unfortunately seriously ill, the subsequent ** fee and health care product cost are some invisible expenses.

This is all part of the medical insurance that is not reimbursed, but the insurance money that can be given by critical illness insurance can be well compensated.

Therefore, it is not enough to configure medical insurance, and the importance of critical illness insurance is also very prominent compared with other insurance.

Top 10 ultra-cost-effective children's critical illness insurance, don't miss this treasure guide!

Buy insurance for your child, avoid these pits, and buy insurance that can't be wrong!

More than 1,000 per year can be fully insured for children. First, children's medical insurance, which is the basic welfare given by the state. Second, children's critical illness insurance.

The sum insured of 500,000 yuan is guaranteed for 30 years, 600 yuan per year. Third, million medical insurance, 6 million hospitalization protection, 800 yuan per year. Fourth, children's accident insurance, 200,000 accident insurance, 60 yuan per year.

Buy insurance for your child and avoid these pitfalls first!

Three tips for buying insurance for your child: It is recommended not to buy insurance that specifically covers death, it is better to buy sickness and accident protection first; It is not advisable to buy returnable insurance; Don't just take care of your children, on the basis of social security, you can provide your children with accident, medical and critical illness insurance, and save some money to protect yourself.

Three tips for buying insurance for your child: It is recommended not to buy insurance that specifically covers death, it is better to buy sickness and accident protection first; It is not advisable to buy returnable insurance; Don't just take care of your children, on the basis of social security, you can provide your children with accident, medical and critical illness insurance, and save some money to protect yourself.

More than 1,000 per year can be fully insured for children. First, children's medical insurance, which is the basic welfare given by the state. Second, children's critical illness insurance.

The sum insured of 500,000 yuan is guaranteed for 30 years, 600 yuan per year. Third, million medical insurance, 6 million hospitalization protection, 800 yuan per year. Fourth, children's accident insurance, 200,000 accident insurance, 60 yuan per year.

Three tips for buying insurance for your child: It is recommended not to buy insurance that specifically covers death, it is better to buy sickness and accident protection first; It is not advisable to buy returnable insurance; Don't just take care of your children, on the basis of social security, you can provide your children with accident, medical and critical illness insurance, and save some money to protect yourself.

Buying insurance for your child can be done for a few hundred dollars a year, but remember these three points! First, don't buy life insurance for your children; Second, don't buy a return type; Third, if you don't have enough budget, buy term critical illness insurance.

Buy insurance for your child and avoid these pitfalls first!

Buy insurance for your child, avoid these pits, and buy insurance that can't be wrong!

It is better to buy insurance for adults first, and then for children, because we adults are the best protection for children. To buy insurance for children, you should first buy protection, that is, the money that needs to be spent in the event of illness and accident is transferred to the insurance company, and then buy insurance, such as children's education funds, wedding funds, etc.

Precautions: 1. To buy medical insurance, you should choose products with stable operation, and it is recommended to buy long-term medical insurance from companies such as Ping An and PICC. If there is a need for medical resources, mid-end medical care and high-end medical care can be considered, and medical treatment can be extended to the international department of public hospitals or private hospitals.

2. Critical illness insurance It is better to choose a product with multiple claims for critical illness, 3 times for minor illness and 2 times for critical illness, which is more reasonable and best to protect for life. The sum insured is 3-5 times the average annual income of the parents, and you should pay more attention to the terms and then look at the company, whether there are mild illnesses corresponding to high-incidence critical illnesses in the terms. Because there is no industry uniform standard for mild disease.

3. It is recommended not to choose long-term accident insurance, buy a one-year product, with low premiums, covering accidental medical liability, and it is best not to limit social security.

Finally, the total cost of family protection insurance accounts for 10%-15% of the family income, and the child's premium should be controlled within 3%. When the protection is complete, it is best to purchase savings insurance such as education funds for children, and it is best to configure the insurance income is certain and written in the contract. If you want to buy universal insurance, it is best to buy a guaranteed income of 3%, and do not look at the settlement interest rate.

Buying insurance for your child can be done for a few hundred dollars a year, but remember these three points! First, don't buy life insurance for your children; Second, don't buy a return type; Third, if you don't have enough budget, buy term critical illness insurance.

Buy insurance for your child and avoid these pitfalls first!

Buying insurance for your child can be done for a few hundred dollars a year, but remember these three points! First, don't buy life insurance for your children; Second, don't buy a return type; Third, if you don't have enough budget, buy term critical illness insurance.

Buy insurance for your child and avoid these pitfalls first!

Buy insurance for your child and avoid these pitfalls first!

Buying insurance for your child can be done for a few hundred dollars a year, but remember these three points! First, don't buy life insurance for your children; Second, don't buy a return type; Third, if you don't have enough budget, buy term critical illness insurance.

Buying insurance for your child can be done for a few hundred dollars a year, but remember these three points! First, don't buy life insurance for your children; Second, don't buy a return type; Third, if you don't have enough budget, buy term critical illness insurance.

When buying insurance for your child, you should pay attention to the following:

1. Insurance is to prevent non-financial risks that seriously affect the family's goals and even collapse instantly;

2. So far, insurance is the only tool to deal with such risks;

3. To buy insurance for children, life insurance is not the primary type of insurance;

4. Children's health problems are the most affecting on the family's financial arrangements. Because once you get sick, even if you go bankrupt, you will do your best as a parent.

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

What should I pay attention to when buying insurance for my baby?