Is it appropriate to buy Ping An Century Rainbow Children s Insurance for a 2 year old baby?

Hello, this is a term children's insurance, maturity plus dividends. Buy insurance for your baby, and 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. In general, priority is given to critical illness and accident coverage. Here are some recommended plans for children:

Children's Green Card.

Applicable population: adolescents and children (30 days to 18 years old) who are vulnerable to accidental risks

Product features: Double payment of accidental hospitalization allowance due to accidents on school days.

Insurance liability: accidental injury (death, disability), accidental medical treatment, accidental hospitalization benefit.

"Ping An Baby" Children's Comprehensive Medical Insurance ( ) A Enhanced Edition.

Applicable population: 30 days to 2 years old adolescents and children who are vulnerable to various risks.

Product features: Covering 100,000 yuan of inpatient medical expenses, critical illness and other special protection.

Insurance liability: critical illness, accidental injury, accidental medical treatment, hospitalization.

Xueba talks about insurance, focusing on insurance evaluation! Well? How to buy insurance for children seems to have been often mentioned by the public recently, just take this opportunity for me to take a look, I wrote an article before, listing the popular children's critical illness insurance, if you have time, you can take a closer look, I believe you can have a general understanding of children's productsDesigned for 2-year-olds!

Comparison Table of 136 Popular Critical Illness Insurance in China

2-year-old children are still young, and the probability of suffering from a critical illness is not high, so the budget for configuring insurance does not need to be very high, and the cost performance is extremely high, and there are many products to choose from I will talk about the general idea, mainly includingCritical illness insurance + accident insurance + medical insurance

1.Critical illness insurance

Although the probability of children suffering from critical illness is not particularly high, the probability of children suffering from certain critical illnesses is actually quite high, so it is recommended to buy it. So how much do you have to pay? It's not high, a few hundred a year, and there will be hundreds of thousands of insurance amounts, and the insurance leverage is super high.

So what are some good products to buy? If you are interested, you can take a lookDesigned for 2-year-olds! 2020 Top 10 [Cheap and High-quality] Children's Critical Illness Insurance".

2.Accident insurance

Little boys and girls are more lively, so it is easy to bump and bump when playing, and buying an accident insurance can ensure that after this unfortunate occurrence, there are enough expenses for subsequent **. The question is, is accident insurance for children expensive? It's not expensive at all, it's less than 200 yuan a year, and it is highly recommended to buy!

Which accident insurance products are ultra-cost-effective and fully protected? If you are interested, you can take a lookDesigned for 2-year-olds! The 10 most worthwhile children's accident insurance points!

3.Medical insurance

Medical insurance is a cost-effective type of insurance, the insurance leverage is super high, ** low, the amount of insurance is high, in many cases it will be used with critical illness insurance, it mainly protects the expenses of hospitalization, drugs and other expenses, how about the premium? Is it expensive? It's not expensive, more than 100 a year can enjoy millions of reimbursements, hope!

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"

Hello! Ping An Children's Insurance has many insurance products suitable for 2-year-old babies. As for how to choose the right insurance product for your child, it is recommended that it depends on your child's specific situation and your family income.

2-year-old babyPrecautions for buying children's insurance:1.Consider accident and medical insurance, and if the conditions are good, consider lifetime insurance.

2.If the conditions are average, you can choose children's insurance, which has a low premium and can be insured until the age of 25 or 30. After that, you can also choose some savings and wealth management products. Buying insurance is tailored to your actual situation.

It is a wise choice for parents to buy children's insurance for 2-year-old babies. At present, there are a variety of Ping An Children's Douyuan Insurance, and you can choose the right children's insurance product according to your needs.

Insurance is generally divided into two categories: health medical insurance and education annuity insurance, as the name suggests, the former is to protect the health of children, and the latter is the planning of children's education and marriage funds. The ** of health medical insurance is linked to the age of the baby and the amount insured, and the older the age, the higher the amount of insurance and the more expensive the premium.

Education annuity belongs to investment and financial management, and there are many investments, and there are many points, starting from 10,000 yuan. Most customers choose to buy health insurance first, and later have more funds to buy education funds.

The main health insurance of the three major domestic insurance companies (Pacific, Life, and Ping An) can be understood, and Ping An's products are slightly more expensive because of the brand premium. The highlights of the life insurance product are not prominent enough, the update is slow, and it is also pushed out after other insurance companies have highlighted the first products, but after all, it is a time-honored insurance company, and there are more customers to choose from, and the focus can be considered the most advanced Jinnuo life 2018 in the Pacific, and the additional enjoyment million 2018, the critical illness compensation is high, and the hospitalization has a million advances, the cost performance is still relatively high, and there are many people who can choose, and the brand influence of the Pacific Ocean is still very small. It is not recommended to consider the products of other small insurance companies, because the quality of after-sales service is really flattering.

I also bought insurance for the baby, while I understand the baby's insurance, in fact, the insurance should be in this order, the pillar of the family is bought first, then the elderly, and then the child. Not enough depends on personal wishes. The baby mainly buys accident insurance and illness insurance after the critical illness is given.

The amount of the amount is also a personal preference. The insurance is still very good.

Buying insurance is a part of family financial planning, and it is the use of insurance as a financial tool for family financial planning.

How to use insurance for family finance? Or what is the role of insurance in family finance?

The first is to transfer objective risks through family risk management planning to provide security for family wealth and the personal safety of family members.

The second is to carry out children's education planning.

The third is to carry out pension planning.

Fourth, carry out phased consumption expenditure planning.

Fifth, property distribution and inheritance planning.

Once you understand this, the first thing is to clarify the needs of the policyholder. What do you want to do as a parent for your child?

The conventional understanding should include personal risk management planning and education planning.

There are several principles that should be followed in the planning of personal risk management:

First, the principle of comprehensive protection, minor illnesses, accidental injuries, outpatient hospitalization, all kinds of risks must be avoided, all kinds of losses must be compensated, and personal safety and family wealth are fully protected, and second, the principle of maximizing the use of leverage, so as to obtain the largest and most comprehensive protection with the minimum premium cost.

Insurance depends on the needs of the individual, after the protection of serious illness, buy critical illness insurance, general medical care to buy that medical insurance, study education security insurance, etc., this should be consulted under a reliable insurance person.