At what age can I buy education insurance for my 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.

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What insurance is good for children

This problem has discouraged countless mothers and fathers who want to buy insurance for their babies, and then we will sort out the methods and ideas for buying insurance for their children! Pay attention to three key points:

First, medical insurance must be handled well, which is the basic guarantee of the people!

After the child is born, as long as the household registration is registered, you can immediately apply for neonatal medical insurance (urban and rural residents' medical insurance), 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, on the premise of handling medical insurance, you can start to consider commercial insurance, and critical illness insurance + medical insurance + accident insurance needs to be given priority.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to solving the best expenses, it can also solve a lot of additional expenses caused by illness, such as taking care of sick children, economic losses to the family, 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 policy can be used to solve these problems.

Let's take a 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, as long as one or two hundred yuan per year, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, it is necessary to configure an accident insurance, it is very cheap for children to buy accident insurance, 200,000 yuan per year, only sixty or seventy yuan, which can protect the child's accidental death, accidental disability and accidental medical liability, which is particularly practical.

Third, what insurance should not be bought for children?

Don't buy life insurance for your children, and try not to think about critical illness insurance with both liabilities attached. I know the specific reasons in this articleDon't buy either type of insurance for your child! Comprehensive insurance strategy!

There is a detailed introduction in it, and because it is written in detail, I will not introduce it here.

According to the idea I gave you to configure insurance, if you are configuring regular protection 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 very practical.

That's all for me"At what age can I buy education insurance for my children?"All of them, I hope it helps you! Hope!

Hello! You are a caring parent! Children can buy insurance after 28 days of birth.

You can consider purchasing accident insurance, accidental medical insurance, hospitalization medical insurance for your children, and education and marriage insurance for your children. I wish your baby a happy and healthy growth!

At what age is it most appropriate for children to start buying insurance, it mainly depends on their actual situation, and generally the sooner children buy insurance, the better. The main reasons for this are as follows:

1. Cheap. The younger you are, the lower the annual premium.

2. Enjoy insurance as soon as possible. Risks are everywhere, and buying insurance in advance can transfer future risks and reduce losses.

3. It is easy to insure. The younger the age, the fewer health problems, and when you buy an insurance product when you are healthy, the insurance threshold will be lower and the success rate of insurance will be higher.

Test your anti-risk index, experts will interpret it for you for free!

If you want to buy insurance for your child, the sooner you want to buy insurance, the better.

First of all, it is very necessary for children to buy insurance, especially protection insurance!

For children, the risk of illness and the risk of accidents are both to be aware of.

Children's body resistance is weak, and they are easily attacked by "diseases". At the same time, children who are active by nature often lack a sense of self-protection.

Therefore, the risk of illness and accident are all risks that children may suffer, and it is better for parents to configure corresponding protection for their children as soon as possible.

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

Secondly, the sooner parents allocate critical illness insurance, medical insurance and other insurance for their children, the cheaper the premiums they need to pay.

It is important to know that critical illness insurance, medical insurance and other insurance have relatively high requirements for the age and physical condition of the insured.

If the insured person is older, the insurance company will often have more risk and the premium will often be more expensive.

In other similar cases, when purchasing critical illness insurance and other insurance, the younger the age of the insured, the lower the premium that everyone needs to pay.

Therefore, if you want to buy insurance for your children, the sooner the better, regardless of age!

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

If conditions permit, the sooner you buy the baby's education insurance, the better, and it is best to start buying it from the time the baby meets the insurance age. All else being equal, the earlier you buy, the less premium you need and the more options you have.

However, before buying education insurance, it is recommended to configure the baby with protection insurance, so as to provide more comprehensive protection for the baby.

The senior sister thinks that after the baby is born, she can buy education funds for them. Because the education fund can provide stable financial support for the baby's growth, so that the baby has the opportunity to obtain better educational resources. In addition, some education insurance insurance can only start receiving education allowance after the insured has paid the premium for a certain number of years.

Therefore, the senior sister believes that if the premium pre-town head family is sufficient, the sooner you buy the education money, the better!

In addition, most of the terms of the education fund are more complicated, if you are an insurance novice, then before buying an education fund for your baby, it is best to take a look at the following strategy: Parents must read: Is it necessary to buy education insurance? How to choose the right product?

In addition to when to buy the education fund, we also have to consider the yield of this product when buying the education fund for our children. After all, education insurance is essentially a type of annuity insurance, and the higher the rate of return, the more money the child can get in the future. The rate of return of different products is also different, and we can give priority to the purchase of education funds with a relatively high rate of return.

Senior sister has found several high-yield education funds for everyone, if you need it, you can take a look at the following list: the latest! The 8 education fund reviews with the highest yields in 2022 are here Is the premium waiver good, do you have to choose Qin Nai when buying insurance?

There is another point, the senior sister has to remind all parents. Before you buy education funds for your child, you need to make sure that your child's health is adequately protected. After all, the body is the capital of the revolution, and if the child suffers from a serious illness and has no insurance, then the parents have to bear extremely high medical expenses.

Therefore, the senior sister suggested that before buying education funds for children, they must first insure him with sufficient critical illness insurance. Senior sister has also prepared a list of high-quality critical illness insurance for everyone, if you need it, you can click the link below to receive it for free: Top 10 ultra-cost-effective children's critical illness insurance, don't miss this treasure guide!

Is it good to waive the premium, and do I have to choose it when buying insurance?

You can apply for insurance 28 or 30 days after birth, and in principle, the sooner the better.

Generally speaking, it is still cost-effective to buy children's education insurance for your children in advance, but whether you should buy or what kind of insurance product you should choose still needs to be decided according to your actual situation, and only the most cost-effective product is what suits you.

If you want to talk about what children's education insurance is, it can also be called education insurance, which provides corresponding insurance benefits for the educational needs of children at different stages of growth.

That is to say, after the birth of the child, parents take into account the future education costs, and deposit a lump sum of money for the child in advance or regularly, and wait until the time agreed in the contract, the child will also have the opportunity to receive a sum of money to continue his studies or entrepreneurial development, to a certain extent, to give the child more choices.

In addition, some education insurance can also provide death and disability protection for the insured, that is, the insured has the opportunity to obtain certain protection from the education insurance in the event of an agreed accident during the insurance period, but the specific content is subject to the contract.

The following senior sister has also sorted out a few children's education insurance products with high sex stupidity and high price, and interested partners can take a look:Latest! The 8 education fund reviews with the highest yields in 2023 are here

However, one thing I would like to remind you is that before buying education insurance for your child, it is recommended to check whether you have configured protection insurance for your child. Because illness and accidents are the biggest potential risks in life, only by configuring protection insurance can we better protect the interests of children.

In order to avoid falling into the pit when choosing insurance products, the following is a guide to avoiding pits[Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insuranceHope!

Since the subject did not specify which education insurance, it is impossible to say the specific **, if you want to know about education insurance, you can take a look at the following article. The 8 education fund reviews with the highest yield in 2020!

I don't know if the subject has already put itHealth insuranceAre you all equipped for your children? Generally we areProtect before you manage your financesSecondly, it is also a priority for children to buy insurance, not to buy education insurance directly, so what is the correct order to buy insurance for children?

Children's health insuranceIn fact, just like our adults' social security, it is a benefit given by the state.

It is best to do it within 3 months of the baby's birth, because the state will reimburse you for the medical expenses incurred during the time period of the child's birth, and you can also enjoy hospitalization, outpatient and emergency treatment, and outpatient special diseases in the future. Generally, the payment fee ranges from 100 to 300 yuan! The value for money is wonderful.

Critical illness insuranceAs the name suggests, it is to protect critical diseases, which is somewhat different from the previous medical insurance and the medical insurance we will talk about later. You can spend the money for critical illness insurance claims as you like, and if you want to, you can also use the money to travel around the world ......, but both medical insurance and medical insurance have the word "medical", which means that they can only claim or reimburse the expenses incurred in the process of your **.

I also want to tell you secretly, the sooner your child buys critical illness insurance, the more cost-effective it is! If you haven't bought it yet, then you really have to reflect on yourself, and hurry up and open the list of critical illness insurance below to take a look. Top 10 [cheap and high-quality] children's critical illness insurance in 2020

Medical insuranceAlthough medical insurance is similar to the nature of medical insurance, there is still a difference between the two, and the amount of reimbursement for children's medical insurance is limited, but if the cost is more, children's medical insurance may be a little inadequate, then it is necessary to let medical insurance come to the bottom, pay a few hundred yuan a year to get millions of medical protection, not tempted is a lie.

Accident insurance, the threat to human life is either disease or accident, children are still young and do not know how to protect themselves, plus some "pit child" parents who will not take children, children really need an accident insurance to protect it! I have compiled all the best children's accident insurance for you in 2020 in the following articleThe 10 most worthwhile children's accident insurance points!

If all of the above guarantees are done, then you can buy it for your childFinancial insurance, such as:Education GrantsAnnuity insurance

How much money is needed to allocate education funds for children should be combined with the family's budget and needs. It ranges from a few thousand yuan to tens of thousands of yuan.

It is recommended to allocate the three basic types of insurance for your child first: medical care, critical illness, and accident, and then consider the education fund.

1.Children's health insurance

Children's medical insurance is a benefit given to us by the state, and it is also indispensable as a basic guarantee.

Moreover, children's medical insurance only needs to pay more than 100 a year, and 50%-70% of the medical expenses can be reimbursed, which must be arranged for children!

2.Medical insurance

Although children's medical insurance is cost-effective, it also has certain limitations. For example, medical insurance has more requirements for the reimbursement amount, proportion and scope of medication, and the part that cannot be reimbursed still needs to be borne by yourself. The part you bear is covered by medical insurance, so medical insurance is also very necessary.

3.Critical illness insurance

When a child suffers from a serious illness, it is not only difficult, but also extremely expensive. Therefore, critical illness insurance is also indispensable. As long as the claim standard is met, hundreds of thousands of dollars can be paid.

And children's critical illness insurance is the more cost-effective it is to buy it as soon as possible! Latest! The most complete!

Hottest! Biggest Cards! 26 Children's Critical Illness Insurance".

4.Accident insurance

It is inevitable that children will have accidents, so accident insurance is also just needed. Moreover, the leverage of accident insurance is extremely high, and it only takes a few dozen yuan a year to increase the healthy growth of children.

5.Education Grants

After the three basic insurances of medical care, critical illness and accident are purchased, if you still have the ability, you can allocate education funds for your children. The purchase of education funds involves systematic capital planning, which can be solved by annuities and other insurance instruments with long-term savings properties.