It s better to buy insurance for children

Generally, it is better to buy children's medical insurance, critical illness insurance, accident insurance and million medical insurance for children. Because different insurances play different roles, they can better protect the personal interests of children by having a complete configuration. If you have a friend who doesn't have time to read the full text, you can take a look at this article first, which is also very practical:

Less than 1000 yuan, get the child's insurance!

Take children's medical insurance and million medical insurance as examples, children's medical insurance is a social medical security given by the state to children, which can be handled within three months of birth, and can enjoy medical insurance treatment such as hospitalization, emergency and outpatient special diseases, which can effectively prevent children from being unable to receive high-quality and fast medical services due to economic reasons after suffering from diseases.

However, it should be noted that the reimbursement scope of children's medical insurance is still limited, and some drug costs such as targeted drugs and specific drugs cannot be reimbursed by children's medical insurance, so it is generally recommended to configure it with medical insurance. Million medical insurance can be used as a supplement to children's medical insurance to reimburse expenses that cannot be reimbursed by medical insurance.

Is there a million-dollar medical insurance product on the market that is worth recommending? Of course! The following is a list of ten cost-effective million medical insurance products, remember to collect: the latest top ten million medical insurance rankings are newly released!

In general, in the process of growth and development, children's body resistance will be relatively weak, prone to a variety of situations, for children to configure children's medical insurance, critical illness insurance, accident insurance and medical insurance these four types of insurance is still very important, regardless of major or minor illnesses can be used, to give children complete medical protection.

If there are still friends who don't know the difference between these types of insurance, you can take a look at this article: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

It is more appropriate to buy critical illness insurance, medical insurance, and accident insurance for children. In addition, it is worth noting that it is important to be cautious in allocating life insurance for children, because life insurance mainly solves the problem of the unfortunate death or total residual liabilities of the family breadwinner, and children usually do not bear family responsibilities, so there is no need to allocate life insurance. This child's insurance strategy, you can also refer to it:

In-depth article - How to buy insurance for children? Netizens shouted: Why did you only see it now.

Buy insurance for your child and avoid these pitfalls first!

Arnold answered:

Hello! Children's health and education are the most important concerns of parents. According to your description, we recommend Baby Sailing Children's Education Insurance, which includes death, critical illness exemption protection, education fund protection, 30 kinds of critical illness protection, hospitalization medical allowance protection, and free family doctor ** service, which is a more comprehensive children's insurance, which is worth choosing and purchasing for parents.

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.

The insurance options for children include accident insurance, medical insurance, critical illness insurance, education insurance, etc., which need to be selected according to their own needs and pay attention to relevant details.

In the process of growing up, children will face many uncertain risks, insurance planning is generally a bright expression of love that parents want to give, and the selection of insurance framework can be referred to as follows.

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 to cash, this is basically the family just needs, the child is generally smaller, the physical condition is good, the underwriting obstacle 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 of the early stage, education expenses need to be their own expenditure, children eugenics to be better educated, 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 intelligence training and learning, the sooner you prepare, the easier, the more the better, 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, love him to protect him thoroughly, and it is also a contract to accompany his lifelong love, and it is a good way to cultivate children's financial intelligence.

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

Children are prone to various risks on the way to growth, so it is necessary to buy insurance for children. So what kind of insurance should I buy? Daddy will teach you :

1. Children's medical insurance

Children's medical insurance is not much to talk about, the state provides benefits for children, there is no insurance threshold, very practical.

2. Children's accident insurance

As mentioned earlier, children not only face health risks but also accident risks when they grow up, so children's accident insurance is also very necessary. For more children's accident insurance products, you can click here to learn about them. "2020 Popular Children's Accident Insurance Collection, How to Buy Children's Accident Insurance?

3. Commercial medical insurance

If there is only one children's medical insurance, then we still need to pay for the medical expenses in addition to social security reimbursement. The small medical insurance in commercial medical insurance can be used as an effective supplement to children's medical insurance, and its importance is self-evident.

4. Children's critical illness insurance

The difference between critical illness insurance and commercial medical insurance is that critical illness insurance pays the corresponding amount of insurance in a lump sum after the child suffers from the agreed illness within the protection period, while commercial medical insurance reimburses the corresponding medical expenses.

Daddy concluded:

Accident insurance should be considered first. Unintentional injuries in children have become a health hazard. Therefore, it is necessary to purchase this type of product insurance for children, with the trend of younger and younger age of critical illness, the high medical cost of critical illness has become a heavy burden for some families.

The use of insurance to share medical expenses has become an important function of children's critical illness insurance.

First, it is necessary to buy children's medical insurance. Children's medical insurance can be purchased as soon as it is born, and it is the state's welfare insurance! There is no threshold for children's medical insurance, even children with congenital diseases can buy it, and the premium is cheap, and most families can afford it.

The second is to consider accident insurance. There is a high incidence of accidents in children, and in general, accidents can be insured within 28 days of the birth of a child.

The third is to consider children's critical illness insurance. Children can be insured for critical illness insurance after 28 days after birth. If you are unfortunate enough to suffer from a serious illness in your child, on the one hand, you will have to spend a lot of money on treatment.

On the other hand, there are many potential financial losses during and after the child's treatment. In the matter of buying insurance for the child Hongyan, children's critical illness insurance is indispensable!

Finally, consider medical insurance. Medical insurance is a supplement to children's medical insurance, and generally speaking, children can be equipped with small medical insurance or million medical insurance.

In fact, there are still many ways to buy insurance for children. If you don't want to step on the pitfall, you can click below to measure how much it costs to see a doctor to get a risk protection plan to help you better combat health risks.

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