If you want to buy a critical illness insurance for your baby, how to choose a product?

Hello, for children, leukemia, encephalitis and other critical illnesses are relatively common, so these should be covered in the coverage.

Xueba says insurance, only recommend insurance that is really useful for children! This year, the comparison table of 136 hot-selling children's critical illness insurance has been updated

It's now free, click to claim it now.

What insurance is good for children

I don't know how many parents who want to give their babies comprehensive protection are stumped by this problem, and today my senior sister will study and study with you, how to buy insurance for children so that they will not be pitted! Keep these three points in mind:

First, children's medical insurance is essential!

Newborn medical insurance can be handled immediately after the child is registered, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, this is the basic security welfare given by the state, and it must be handled well.

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.

First of all, critical illness insurance, which provides a relatively long period of protection. Secondly, critical illness insurance pays cash directly after getting sick, which can not only solve the problem of medical expenses, but also solve many hidden problems in the future, such as children who delay their studies due to illness, and even some subsequent life losses, which require a lot of cash to make up. Buying a pure protection critical illness insurance policy can be used to solve these problems.

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, the insurance amount of 10,000 yuan is only 1,200 yuan per year, which is cost-effective and practical.

Finally, you need to configure an accident insurance, children's accident insurance is very cheap, and the insurance amount of 20w only needs sixty or seventy yuan per year. Accidental death, dismemberment and accidental medical liability of children can be covered, which is very practical.

Third, is there any insurance that I should not buy for my child?

Don't give your child life insurance, and try not to consider critical illness insurance with both liabilities attached. I know the specific reasons in this articleHow to buy the most cost-effective child insurance? The most complete insurance strategy!

has been introduced in detail, because it is very detailed in the manuscript, so I will not waste time here.

According to the above insurance ideas, if you configure regular protection for your child, you can get it for about 1,000 yuan per year, and if you buy lifelong protection, it will only be two or three thousand per year, which is cost-effective and practical.

That's all for me"If you want to buy a critical illness insurance for your baby, how to choose a product? "All of them, I hope it helps you! Hope!

Since children and adults are not the same as the high-incidence types of adult potato dregs, it is necessary to see whether it includes some specific high-incidence diseases in children when buying critical illness insurance for children.

Product aside, let's look at the demand first. This includes health status, genetic history, and household income and expenditure, before moving on to product selection.

There are two biggest risks that children face in the future, the first is an accident, and the second is illness.

For a child's minor illness, you can see an outpatient clinic, and ordinary families can deal with it normally. The most feared is a major disease represented by cancer.

It is not uncommon for us to see stories of "poverty due to illness", and once we encounter a major illness, we not only have to endure mental pain, but also face heavy financial pressure.

Misunderstanding.

1. Only care about children, not adults.

Many parents' thoughts: we are very healthy, and we are not in a hurry to buy it, so we will keep it for our children first.

This idea is very wrong, a child's risk of critical illness is much lower than that of an adult.

The so-called high incidence of critical illness in children is only relative to the incidence of critical illness in children in previous years, rather than the incidence of critical illness in adults.

In addition, the child has no earning power and no family responsibilities to bear. Parents are usually the breadwinners of the family and take on all the family responsibilities.

Let's make an assumption that in case the child gets sick, in addition to the insurance that can solve the problem, the economy is still not lost, and the parents still have the ability to make money, so as not to collapse the family.

What if the breadwinner of the family is sick? On the one hand, there is no insurance, and on the other hand, children cannot make money.

Such a risk is beyond the reach of the vast majority of families.

For example, my clients are over 30 years old, and there are very few who are still standard, and no more than 50% of them can buy insurance over 40 years old.

As a parent, it is not only necessary but also urgent for you to purchase health insurance.

Parents are the biggest insurance for their children!

Misunderstanding.

2. "Save" education funds for children and pay attention to returning.

Do I need to save for my child's education? If you don't plan to send your children to private schools or study abroad at your own expense, there is basically no need to buy the so-called education fund.

If you are worried about the future health changes for yourself or your loved one, and you cannot afford to pay for your children's living and learning expenses.

Then it should be allocated sufficient insurance for the breadwinner of the family, rather than buying education funds for children.

Do I need to return it?

In a word, the wool is out of the sheep, and the so-called return is just a trick of the insurance company to "borrow chickens and lay eggs".

The purchase of insurance products is very flexible, and when everyone feels that one protection is not enough, they can be purchased in the future.

After buying a long-term critical illness, you can also match a children's regular critical illness with a few hundred yuan, so that the protection will be more comprehensive.

Buying insurance needs to be tailor-made, and only what suits you is the best.

Many parents don't know how to buy critical illness insurance products for their children, and my dad is here to teach you a few tricks.

1. Compare the scope of product coverage

If the scope of the product's disease agreement is basically a high-incidence disease for adults or the elderly, then it is of little significance for children to insure this one.

2. Reasonably plan the guarantee period

The coverage period usually needs to be determined according to the actual budget, and the general coverage period of children's critical illness insurance is 20-30 years, because the later product will continue to be upgraded, and other better critical illness insurance products can be selected in the future.

If you have a sufficient budget, you can also consider choosing the coverage period until the age of 60, 80 or for life, so that you don't have to worry about product renewal.

3. Pay attention to the cost performance of products

For consumers, cost performance has always been one of the main reference factors for us to buy products, after all, no one wants to spend more money.

In the case of the same coverage, of course, the lower the better.

Is it time or life for children's critical illness insurance? How to buy critical illness insurance for children? What is the best way to buy critical illness insurance for children?

You can configure whole life critical illness insurance, with a premium of more than 2,000 a year, with an insured amount of 500,000, and if you meet the claim situation, the insurance company can pay multiple the insured amount, that is, 750,000. If you have another serious illness after one year, you can also pay a second time.