A seven year old boy buys insurance, what type of insurance is more appropriate

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.

It's better for a seven-year-old child to buy life accident insurance than to pay for it.

There are several main aspects that should be considered in children's insurance:

1. It is mandatory to save money, save money every year, and receive it when the child is ten or eighteen years old, which requires a certain financial management function.

2. There are many accidents in children, so they should have accidental medical functions, not too many (after going to school, the school will have a unified school insurance);

3. Parents' accidents are the most important risk for children, so it is important to have a policy exemption function, so that even if parents have an accident, the child's survival pressure will not be too great.

4. The possibility of a child suffering from a major illness is low, so generally do not consider it.

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

When children are 7 years old, they are full of curiosity about the world, and most of them start to go to school and come into contact with the outside environment.

At this time, to buy insurance for the baby, the idea of insurance should be:Children's medical insurance + critical illness insurance + medical insurance + accident insurance

1. Children's medical insurance

Children's health insurance is a national welfare insurance, and it is best to purchase children's insurance immediately after birth, as soon as the first month after entering the household. We can enjoy the most basic medical security provided by the state. 16 years old is the maximum age for children's medical insurance, and the premium for children's medical insurance is very cheap, so it is recommended that everyone have one.

2. Critical illness insurance

When the child has a serious illness and the family economy cannot support the expenses required for the ** disease, critical illness insurance is a divine weapon from heaven to help you for this. Even if your budget is not large, some critical illness insurance with an insured amount of 500,000 yuan is only four or five hundred yuan a year. There are countless critical illness insurance policies on the market, but there are very few that meet the real needs of children, so I have painstakingly selected the most suitable ones

Designed for 7-year-olds! Top 10 [Cheap and High-quality] Children's Critical Illness Insurance in 2020".

3. Medical insurance

Many people always think that medical insurance is similar to social medical insurance, and think that social medical insurance is enough. Unfortunately, if you have a serious illness, there are restrictions on the reimbursement ratio of social medical insurance, and many good drugs and good methods are not within the scope of reimbursement. Therefore, medical insurance can be used as a supplement to children's medical insurance to reimburse the part that cannot be reimbursed by medical insurance.

4. Accident insurance

The insurance company will compensate us in the event of death, dismemberment and medical expenses due to an accident. The number one cause of death among children under the age of 14 in our country is unintentional injury, according to data from the National Organization for Child Safety. Injuries such as falls, burns, animal bites, sharp injuries, etc., are common causes of accidental injuries in children.

Therefore, there are some things to pay attention to when buying a child accident, and give priority to accident insurance with adequate medical protection. A good accident insurance must be as low as possible with a deductible, and the higher the reimbursement ratio, the better.

Unlike other insurances, accident insurance premiums do not increase with age, so a one-year accident insurance plan is more suitable to purchase. In order to prevent you from choosing like a headless fly, the best children's accident insurance to buy in 20 years, I have selected it for you:Designed for 7-year-olds!

Top 10 Best Children's Accident Insurance to Buy in 2020

Hello, I would like to provide you with some basic principles for your reference: 1. Children's insurance, the insurance period should not be too long; 2. Children's insurance, pay attention to the age group; 3. For children's insurance, the death insurance amount should not be too high; Fourth, children's insurance, do not buy repeatedly; 5. Read the relevant terms carefully, protect the rights and clarify the obligations, etc. If they go to school, the school will buy school insurance for them, and parents need to be clear about what protection their children already have, and what gaps need to be made up by commercial insurance.

First of all, the order of purchasing insurance is: you must first protect the product, 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.

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, 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, dividend investment and other products is considered.

Third, 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.

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

If you are not in good health, buy a medical critical illness.

Naughty Buy Accident + Medical.

Study, have a plan, buy education funds.

If you are ordinary, you will buy a dividend.

It should have been bought when the child was young! It's late again! But it's not too late! It is recommended to choose the type of education insurance while referring to accident insurance and critical illness insurance! It's helpful to go to college in the future!