What fund or insurance should I buy for my child? 10

Considering that the child is in the growth stage, the resistance is weak, and the child is prone to diseases, and the child may also have accident insurance at any time, so you should first consider protecting the child and purchasing the following insurance:

1. Children's medical insurance.

Children's medical insurance is the most basic and indispensable basic medical security for children, and the medical expenses caused by children's usual colds and fevers can be basically reimbursed.

2. Children's critical illness insurance.

If a child unfortunately suffers from a critical illness, parents need to take care of the child and cannot work normally, which will cause a loss of income. Here are several cost-effective critical illness insurance, parents should not miss it: Top 10 ultra-cost-effective children's critical illness insurance, don't miss this treasure guide!

3. Commercial medical insurance.

Due to the limitations of medical insurance reimbursement, you can buy commercial medical insurance as a supplement, such as million medical insurance, which can reimburse reasonable large medical expenses such as general medical treatment and critical illness medical treatment, and a few hundred yuan can leverage millions of insurance amounts, and it is quite cost-effective to buy it for children.

4. Accident insurance.

Children have no ability to protect themselves and are prone to bumps and accidents, so parents consider configuring accident insurance for their children to transfer the economic risks arising from their children's unfortunate accidents. If parents still don't know how to buy insurance for their children, then you might as well take a look at this guide: Is it necessary for children to buy insurance?

One article to solve all your doubts!

If you are more in pursuit of safe and stable income, then you can consider taking out education annuity insurance, because including education annuity insurance, all insurance is protected by law and has higher security. Here the senior sister has also found a few educational annuity insurance with a good rate of return, you might as well take a look: the latest!

The 8 education fund reviews with the highest yields in 2022 are here

As an effective financial tool for family education, children's education insurance is indispensable for allocation. Although under the current financial investment environment, there are many financial investment tools for children's education, such as: 1

education savings that can be tax-exempt; 2.You can enjoy the long-term compound interest effect and dilute the investment risk. 3.Treasury bonds, money markets, bank wealth management products, etc., with stable investment returns, but children's education insurance, as a good financial investment tool to raise education, has irreplaceable product advantages of other financial investment tools.

As an irreplaceable product feature of education insurance, children's education insurance is mainly reflected in the following aspects: 1. Establish children's education and entrepreneurship as soon as possible. 2. The underwriting opportunity is large and the premium is cheap.

3. Reduce the burden on children in the future. 4. Transfer property to children. 5. Risk transfer to ensure the stability of family life.

Consider saving for a guaranteed education for your child**.

Accident insurance, medical insurance, critical illness insurance, education insurance, etc.

1.Accident insurance: children grow up lively and active, bumps and bumps are inevitable, now many families like to have pets, cats and dogs are likely to encounter, so a few cents a day of accident insurance can solve the cost of reimbursement caused by these accidents, 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 paid by themselves, children eugenics to be more preferential, 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 ** is not only the hope of the parents' life but also the motivation for the child's financial quotient 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 to plan, 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 the insurance configuration has a principle, under the condition of limited conditions, first protect adults and then children, but accidents, critical illness is just needed by adults and children, is a necessary insurance for life.

The above suggestions are for reference.

1. Children's medical insurance. Children's health insurance is a national welfare, and its importance is higher than all commercial insurance. Children's medical insurance is very comprehensive as a basic insurance, with a low reimbursement threshold, and can be compensated for fever and cold, pre-existing conditions, and guaranteed renewal.

Before purchasing commercial insurance, children's medical insurance must be configured first.

2. Accident insurance. When choosing accident insurance for children, you should pay attention to the accidental medical part: deductible, reimbursement ceiling, reimbursement ratio, and whether there is a limit to the social security catalog.

The death and disability benefit of accident insurance is mainly for the income compensation of the family's financial breadwinner who cannot make money, and the baby is not responsible for making money and does not have to care about the amount of death and disability insured.

3. Critical illness insurance. When choosing critical illness insurance for your baby, choose pure protection consumer critical illness insurance, and now many insurance companies have launched critical illness insurance exclusive to children, which is very cost-effective, and you can choose a term of 20 years or 30 years. Guarantee until the child's adulthood and reduce costs.

Additional benefits for certain critical illnesses with a high incidence of children.

4. Medical insurance. On the premise of configuring critical illness insurance, it is recommended that you can choose inpatient medical insurance with outpatient liability for your baby, and minor illnesses such as colds and fevers can also be reimbursed. If you have enough budget, add a million medical insurance.

Hello! Before considering insurance protection, first understand several "sequences" of buying insurance: first protect and then manage money; Adults before children; Focus on protecting the family's financial support first, and then protect other family members; Personal protection first, then property protection.

The main protection for babies is medical care and education. 1. Medical treatment: It is recommended to improve the community children's medical insurance (the current Nanjing can be reimbursed up to 80%, and there are slight differences in different regions), and the ordinary minor disease medical treatment can be appropriately supplemented according to the welfare status of the adult unit (whether there is a baby's follow-up reimbursement), which can basically solve the baby's small medical problems.

At the same time, due to the baby's liveliness and activity, bumps and bumps in accidental injuries, burns, scalds, cat scratches and dog bites are also inevitable; Due to the pollution of the environment, the pollution of decoration, and the safety of food, the incidence of major diseases of minors is also getting higher and higher, so the accidental medical treatment of babies and major diseases of children should be supplemented in time.

Only more than 200 yuan per year, the protection benefits are: 100,000 children's critical illness, 30,000 accidental injuries, burns and scalds, up to 6,000 yuan of accidental medical treatment each time, and premium waiver (that is, adults buy this insurance for children, assuming that adults have any risks, the annual premium before the age of 22 does not need to be paid in the future, and the child's protection benefits are still valid, and the insurance is guaranteed to be renewed until the age of 22!) ）。

2. Education reserves: At present, there are two main types of education savings insurance:

1. It is a traditional education annuity insurance, such as 15 years old (generally the age of high school) to receive it every year, and continue to receive it until the end of college graduation. There are also those who receive insurance money until the age of 25 as their study abroad or wedding payment, so that the amount of insurance is fixed and the protection is clear.

2. It is a universal insurance or investment-linked insurance that is currently hot in the market, and it is a reserve for future education in the form of investment value-added, which is mainly reflected in three major flexibility: flexible payment, flexible protection, and flexible withdrawal. Generally, it requires medium and long-term continuous payment investment, which is not effective, and of course, its income opportunities may also be greater than that of traditional education annuity insurance.

Which one is suitable for you, you need to communicate with you in detail to determine!!

Hello! There are three types of insurance that can be purchased for your child:

1. Children's critical illness insurance.

Critical illness insurance is no stranger to everyone, and those who know a little bit about insurance should know that critical illness insurance covers critical illnesses.

Critical illness is a heavy blow to patients and their families, and reports of poverty due to illness and dispersion of sick families are also endless.

Since children are a special group, compared with adults, some specific critical illnesses are more likely to appear in children, so children's critical illness insurance has added high-incidence critical illnesses to children within the scope of protection.

When a child unfortunately suffers from a critical illness agreed in the contract and meets the conditions for claims, the insurance company will pay a large sum of money in a lump sum, which can be used for subsequent expenses and family living expenses, so as to reduce the financial burden of the family.

Children's critical illness insurance is a solid barrier to children's health protection, and all parents must match their children.

2. Medical insurance.

As one of the main contents of health insurance, medical insurance has always been our first choice when purchasing commercial insurance. Health issues are a matter of great concern to each of us, and medical insurance, as a powerful health protection, should be something that each of us should have.

In general, children have a relatively high probability of medical accidents, ranging from a common cold to hospitalization for surgery.

Medical insurance is a reimbursement type of insurance, reimbursement of expenses caused by illness, and a wide range of coverage, basically all illness expenses can be reimbursed, in order to give better protection to children's health at the same time can also reduce the financial burden of the family.

Medical insurance is generally not expensive, and you can buy cost-effective products on the market for a few hundred yuan.

3. Accident insurance.

Accident insurance is an insurance specifically for accidents, which can be divided into three types: short-term accident insurance, one-year accident insurance and long-term accident insurance according to the insurance period.

Short-term accident insurance covers a short period of time, such as a ride or a trip, and is suitable for travel.

One-year accident insurance covers for one year, has cheap premiums, and is highly leveraged, making it worth buying.

Long-term accident insurance premiums are more expensive, and the leverage ratio is lower than that of one-year accident insurance.

Accidents are everywhere, and children are a group with a high incidence of accidents, and we must pay attention to this.

Daddy does not recommend everyone to buy life insurance for children, because firstly, children do not bear the main responsibility of the family, and secondly, the amount of life insurance for children on the market is relatively low, which cannot play a role in small and large.

All in all, children's critical illness insurance, medical insurance and accident insurance are what every child should be equipped with, and they can play a role in resisting risks.

Hope daddy's is helpful to you!

If the economy allows, consider buying education insurance, which can save money and protect it, which will help your children in the future.

First of all, fill in the column of the policyholder (the guardian can write one person): write the name, gender, ID number (name write the name on the ID card). Then write the insured person (the student himself):

Name, gender, date of birth, class, ID number, school (name and date of birth should also be the same as ID card). Next, write whether the insured has participated in the social basic medical insurance (select Yes or No). Finally, it is time for the policyholder to sign and the insured to sign.

Extended Materials. What is the role of primary school students paying insurance premiums?

For primary school students, their social experience is relatively shallow, and there is no awareness of some dangers, so the primary school students' campus accident insurance can play a role in ensuring the safety of children.

Students generally purchase student insurance at school, and the insurance liability includes accidental death, accidental medical treatment and hospitalization medical treatment, with an annual premium of about 50 yuan, low payment and high protection. Or for group accidents, the payment is relatively higher. This is the minimum guarantee, and the student's insurance is generally covered by the student's insurance, and then it depends on whether the student's family buys rural cooperative medical insurance, community medical insurance or commercial insurance for their children.

What is covered by insurance for elementary school students?

1. Critical illness insurance.

Critical illness insurance mainly covers some critical illnesses that may occur for students. There will be different insurance to protect different critical illnesses, and now families are only children, in case of a critical illness that causes a bad outcome, it will be an unbearable blow to the individual or the family, so the critical illness protection should be done as soon as possible, and the risk transfer will also ensure the safety of students, so that parents can rest assured.

2. Education insurance.

Education insurance is mainly for education funds, which are generally available to every commercial insurance company, mainly to protect the money for students to go to college after high school. At present, the social price is serious, inflation and other phenomena, so the cost of education has become a burden for many families, so education insurance is also a reserve fund for parents to prepare their children for college education according to their own circumstances.

3. Commercial accident insurance.

Commercial accident insurance is mainly to protect students from accidental death, disability, burns, and scalds, and may also include some accidental medical treatment and special protection items such as the third responsible party. Parents still make the right choice based on the actual situation.