How about Ping An Century Starlight Children s Insurance

Xueba said that insurance only helps families who really want to buy insurance for their children! This year, the comparison table of 136 best-selling children's critical illness insurance has been updated

You can click on it to see how it will help you choose your child's insurance.

How to buy insurance for your child

This question makes countless mothers and fathers who want to buy insurance for their babies daunted, and today my senior sister will take you to learn the correct way to buy insurance for your child! Follow these three criteria::

First, health insurance is essential, and so are children!

After the child is registered, the first thing to do is to complete the medical insurance. Regardless of whether it is a major illness or a minor illness, basic medical insurance is particularly important, so it is necessary to apply for medical insurance for children.

Second, commercial insurance gives priority to critical illness insurance + medical insurance + accident insurance.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection. Secondly, critical illness insurance pays cash directly after getting sick, which can not only solve the problem of medical expenses, but also solve many additional expenses caused by illness, such as taking care of sick children, and the economic losses brought to the family, which require a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems.

For example, with a 0 deductible hospitalization medical insurance, with an annual premium of 1,200 yuan, you can buy an insurance amount of 10,000 yuan, which is cost-effective and practical.

Finally, to configure an accident insurance, the child's accident insurance is particularly cheap, 200,000 yuan per year, only sixty or seventy yuan, you don't see that the money is not much, but in fact, the protection is quite extensive, accidental death, disability, accidental medical liability are within the scope of protection, cost-effective is quite high.

Third, don't buy both types of insurance for your child!

Don't choose life insurance for your child, and try not to choose critical illness insurance with both liabilities. I know the specific reasons in this articleHow do I buy insurance for my child?

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

According to the above insurance ideas, if you are configuring regular insurance for your child, you can configure it for about 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is low and real.

That's all for me"How about Ping An Century Starlight Children's Insurance"All of them, I hope it helps you! Hope!

Ashes-grade products.

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 aim for a one-step solution.

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.

Find ** people to consult in detail.

Summary. Hello, dear. We're happy to answer your <>

How much can you get from Ping An Century Starlight Children's Insurance (Participating, 2004) to college at the age of 18, and 50,000 yuan from Ping An Century Starlight Children's Insurance (Participating, 2004) to college at the age of 18.

Ping An Century Starlight Children's Insurance (Participating, 2004) How much can you get when you go to college at the age of 18.

Hello, dear. We will be glad to answer your <>

How much can you get from Ping An Century Starlight Children's Insurance (Participating, 2004) to college at the age of 18, and 50,000 yuan from the age of 18 to college at the age of 18.

Pro, Ping An Century Starlight is a children's insurance, and belongs to the dividend type, the insurance age is 0-14 years old can be bought, the insurance period is insured until the insured reaches the age of 25, the insurance liability includes the maturity of the entrepreneurial fund, death money, dividends, because with death protection, the policyholder needs to be his parents, this is a financial insurance, Qingchun policyholder should give priority to medical insurance, million medical insurance, accident insurance, critical illness insurance, life insurance and other protective insurance types when configuring insurance for children.

Ping An Smart Star is a product of Ping An in July last year, which has flexible and adjustable product features, which can help children enjoy life in a worry-free future, and also better meet the needs of children at different stages of life.

Ping An Children's Smart Star products have the following characteristics:

Life security: 120,000 yuan of personal insurance from the age of 18. Coverage can be adjusted up.

Wedding money account: about 48,000 yuan for 28 years old (education fund has been received).

Pension account: about 130,000 yuan for 60 years old (education money has been received, marriage money has not been received).

Exemption 1:If the insured suffers a critical illness for the first time during the payment period, the premiums for subsequent installments will be waived, and the insurance liability will continue to be valid.

Waiver 2:During the premium payment period, if the insured suffers an accident, severe disability or the first occurrence of a critical illness, the insurance liability will continue to be valid after the premiums will be waived.

A child's future is a beautiful picture, and in a child's long life, insurance protection needs to be adjusted according to the risks of the child's different life stages. Children's insurance with adjustable and flexible coverage can meet the individualized life needs of children. Ping An Smart Star is a universal insurance product, and the amount of annual payment and how many years are determined by the customer, and the time and amount of the policy value are also determined by the customer.

It is equivalent to opening a special universal account for the baby, but this account has more comprehensive protection functions than the ordinary savings account, which is the best choice for the baby to plan a better life.

Pay. Ping An of China launched a children's insurance with a high lifetime survival benefit and high death protection after adulthood.

According to the latest market research, children's insurance ranks third among the various insurance needs of urban residents in China, after health insurance and pension insurance, and children's accidents, health and education are the top concerns of parents. On July 31 last year, Ping An of China launched the Century Angel Children's Insurance (Participating) to provide children with lifelong care in Gyeongju with a unique high survival pension and high death protection after adulthood, resolving the above three major problems and solving problems for parents.

Liu Zhijian, assistant to the general manager of Ping An Life, told reporters that the product is a return-type dividend insurance, and children aged 0-17 can purchase the insurance, with a minimum premium of 5,000 yuan, and a survival fund of 12% of the basic sum insured will be returned every three years, and additional dividends will be enjoyed; When the child reaches adulthood, he or she will also receive a death benefit that is three times the basic sum assured, providing lifelong protection for the child. This insurance can choose from four long-term payment options: 10 years, 15 years, 20 years and up to 18 years old, which is very suitable for families with children.

Insurance must be bought from children, the smaller it is, the cheaper it is, and the higher the income; And this is also the biggest and most meaningful courtesy to give to the child in his life, even if your child is 80 years old in the future, you are gone, he can still get money from the insurance company, and the moment he receives the money, he knows that the money is given by his parents; As long as the child is there, even if you are no longer on earth, he can feel your love; No matter how much money you have, it is not as important as the health of children, and no matter what you invest in, this money is not as stable as children's insurance;

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

Question 1: Is it better to save money for a fixed term or to buy insuranceThe principle of buying insurance is based on social security, and it is better to add appropriate commercial insurance as a supplement. 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.

For each of us, we should consider health insurance. Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak. Therefore, you must first consider medical insurance, whether it is commercial insurance or social insurance, and then consider other insurance products, so that it makes sense.

If you are not healthy, it is impractical to have more pension insurance. It is recommended that you first purchase the social security launched by the state (preferably if the unit comes forward to purchase it), including cooperative medical insurance, and then consider commercial insurance as a supplement. Question 2; How about Century Angels?

Compare Pacific Life"Well-off home, good luck insurance (dividend)."Example of insurance.

Mr. Zhang purchased it for his newborn (30-day-old) son"Fortune every year"Protection plan, annual premium of 25,520 yuan, paid in 10 years. The benefits are guaranteed as follows:

1. Survival fund: before the baby is 20 years old, he can receive 8,000 yuan every 2 years; After the age of 20, you can receive 5,000 yuan per year until life. If the above-mentioned survival fund remains in the company, it can also accumulate interest and continue to increase in value.

According to the annual accumulation interest rate of 3%** (for reference only, not as a guarantee of distribution), the cumulative survival fund of the baby can reach 199631 yuan when he is 30 years old, 722434 yuan when he is 60 years old, and 1439147 yuan when he is 80 years old.

2. Death benefit: return the insurance premium paid before the age of 18. After the age of 18, you can enjoy a death benefit of up to 255,200 yuan.

3. During the validity period of the policy, you can participate in the company's dividend distribution. (The payment amount and years can be adjusted, this insurance purchase is also additional personal accident insurance and health medical insurance, the effect and mode are compared with Ping An Century Angel, see which one is more suitable for you).

Hello: Do you want to ask the bank or buy insurance now? Analyze the banks:

1. Deposit bank term, one-year interest rate, the current inflation is more than 3%, that is, the money put in the bank is actually shrinking, and its purchasing power will be smaller and smaller 2. Money in the bank, if there is a risk of accident and disease, the bank can only eliminate your account at most, and the money will be analyzed with interest to you: 1. The most conservative investment of the insurance company is to put the money in the bank, but it is a large agreement deposit (more than 30 million), the interest rate is 3%, and of course there are more investment directions, In general, the dividends of the participating insurance can protect against inflation; 2. When you put the first money in the insurance company, you will have protection, and transfer your own risk to the insurance company, if something goes wrong, the insurance company will pay you the amount of insurance You should pay attention to the protection of the policyholder when choosing children's insurance, and pay attention to whether the product has an exemption function.

Xueba talks about insurance, and teaches you to choose the best insurance for your child! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated, now for free, click to claim now.

How to buy insurance for your child

First, the country's medical insurance must be handled!

After the child is registered, the first thing to do is to complete the medical insurance. Regardless of whether it is a major illness or a minor illness, basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, in addition to the basic insurance of national medical insurance, commercial insurance should also be considered, and critical illness insurance + medical insurance + accident insurance should be given priority.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). In addition, critical illness insurance can directly pay a large amount of cash after getting sick, in addition to solving the problem of medical expenses, it can also solve many hidden problems caused by illness, such as children who delay their studies due to illness, and even some subsequent life losses, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance can just solve these problems in the future.

Look at 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 cost-effective and practical.

Finally, it is necessary to configure an accident insurance, it is very cheap for children to buy accident insurance, and the insurance amount of 200,000 yuan is only sixty or seventy yuan per year. Accidental death, dismemberment and accidental medical liability of children can be covered, which is cost-effective and practical.

Third, is there any insurance that I should not buy for my child?

has been introduced in detail, because it has been written in detail in the manuscript, so I won't spend too much time introducing it here.

According to the idea I gave you to configure insurance, if it is for children to configure regular protection, one thousand yuan per year can be configured comprehensively, if you buy lifelong protection, it is only two or three thousand per year, cheap and useful.

That's all for me"How about Ping An Century Angel Children's Insurance (Participating)? "