What kind of insurance is better for a baby who has just turned one year old?

Arnold answers: Hello!

Hello! The 1-year-old baby is a stage of curiosity about everything, just learning to walk, self-protection awareness and ability are relatively poor, it is inevitable to encounter bumps, and will also have a cold and fever. Therefore, when buying insurance for your baby, you should first consider the risk of accidents and diseases.

So how to buy accident insurance products for children?

Child accident insurance--- this type of insurance is purchased to get certain financial help and compensation after the child has an accident.

Children's health insurance--- this type of insurance is purchased to reduce the burden on the family when the child is hospitalized with a cold, fever or any illness. Moreover, the younger the age of critical illness insurance, the cheaper the premium. When buying insurance for your child, you must pay attention to choosing the most suitable one than the expensive one according to the situation of the child and your family.

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

You can click on it to see how it will help you choose your child's insurance.

How to buy insurance for your child

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 is essential, especially for children!

After the child is registered, it is necessary to handle the neonatal medical insurance (urban and rural residents' medical insurance) as soon as possible, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, which 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.

Let's start with critical illness insurance, which provides coverage for as long as possible. In addition, critical illness insurance can directly pay a large amount of cash after getting sick, which can not only be used to treat the disease, but also solve many hidden problems caused by illness, such as falling behind due to illness, or some irreparable losses in subsequent life, which require a lot of cash to make up. Buying a pure protection critical illness insurance can just solve these problems in the future.

In addition, medical insurance 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, you need to configure an accident insurance, the child's accident insurance is very cheap, 200,000 yuan per year is only sixty or seventy yuan, don't look at the money is not much, but the protection is a lot. Accidental death, disability and accidental medical liability of the child can be covered, and the cost performance is quite high.

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

Don't choose life insurance for your child, and try not to choose critical illness insurance with both liabilities. I know the specific reasons in this articleTeach you how to buy insurance for your child!

has been introduced in detail, because there is already a detailed analysis in the manuscript, so I won't spend too much space here.

According to the above insurance ideas, if you configure regular insurance for your child, you can get 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 cost-effective.

That's all for me"What kind of insurance is better for a baby who has just turned one year old?"All of them, I hope it helps you! Hope!

There are already 11 questions for this question, and many people have made good suggestions, believing that the subject has found the answer they want. Therefore, I will not be verbose. Emphasize a few points, I hope the subject will pay attention.

The types of insurance that children under one year old need, in order of urgency, medical insurance, accident insurance, and critical illness insurance.

Children have poor resistance, and medical insurance is still necessary; Children under the age of one have poor mobility and are unlikely to have an accident, but with the increase of months, bumps and bumps are inevitable; Children under the age of five have a high probability of suffering from leukemia and other serious diseases, so it is necessary to pay attention to it and allocate critical illness insurance as soon as possible.

There are also unreliable ones, such as someone recommending a certain An's xx Fu, an insurance that has been criticized on Zhihu that is not good, how can you advertise here. Some people also recommend buying life insurance for children, which is simply a show, what is the use of life insurance for little children? Do small children have family responsibilities?

Limited money to spend on the cutting edge! If you have money to spare, it is the right way for the child's parents to buy life insurance for themselves.

Recently, a new children's critical illness insurance can be said to have hit a new low, but the protection is sufficient and full. Let's take a look at it, Sino-Dutch Children's Le Bao can insure 70 kinds of critical illnesses, 40 kinds of minor illnesses, 10 kinds of children's specific critical illnesses (leukemia, Kawasaki disease, etc.) The sum insured is doubled, and there is also a minor illness exemption, and the coverage age: 30 days to 17 years old, that is, you can apply for insurance at the full month.

Insurance period: 20 years, 25 years, 30 years, that is, the insurance can be insured up to the age of 30.

It is estimated that a boy under the age of 1 will purchase 800,000 insurance for 20 years until he is 30 years old, and only 904 yuan per year!

Girls under the age of 1 are guaranteed to buy 800,000 insurance for 20 years until they are 30 years old, and only 976 yuan per year!

If there are ten specific high-incidence critical illnesses such as leukemia, this ** can get double the sum insured of 800,000, 1.6 million! Let the child completely avoid the worries of the ** fee and recuperate with peace of mind.

Welcome to click on my avatar for private chat consultation, and buy good insurance for pit prevention and avoidance.

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

Hello, for babies less than one year old, buy critical illness insurance plus hospitalization, because children are weaker and have a greater probability of disease than adults. At the same time, you can also consider buying annuity insurance for your baby. It is used to plan the children's future education funds, entrepreneurship funds and even wedding funds.

I hope my answer can help you, and I wish you a happy life Of course, if you have other questions, you can ask me, and I will answer them for you as soon as possible

1. Medical insurance.

Children are not fully developed and have weak resistance, so they have a high risk of disease, and they have to spend a lot of money every time they go to the hospital, so they need to configure medical insurance. Among them, children's medical insurance is the foundation, and commercial medical insurance needs to be supplemented, among which the combination of small medical insurance + million medical insurance is a good choice, small medical insurance to cope with minor illnesses and pains medical expenses, million medical insurance can cope with high medical expenses.

There are many excellent million medical insurance on the market, such as good medical insurance long-term medical care (20-year version), medical worry-free long-term medical care, PICC Tiejia Xiaobao No. 2, etc., these products not only have complete medical protection content, but also have friendly renewal conditions, which can ensure long-term renewal.

2. Critical illness insurance.

Children also have the possibility of suffering from serious illnesses, among which malignant tumors have become the second leading cause of death in children, so critical illness insurance is also a necessary protection for children, which can cope with the losses caused by children's serious illnesses and the costs of **, **, etc.

Among the children's critical illness insurance on the market, China Merchants Renhe's Qingyunwei No. 1 Children's Critical Illness Insurance has outstanding performance, not only with complete core protection, but also with a high compensation ratio, with 10 kinds of rare diseases for children and 20 kinds of special diseases for children. In addition, after the product has a critical illness claim, the moderate and mild illness benefits will not lapse, and they can also be paid once.

3. Children's accident insurance.

Accident insurance is also a must-have for children to deal with unexpected risks in their daily lives. Among them, one-year comprehensive accident insurance is a good choice, with full accident protection and ** cheap.

Among the children's accident insurance products on the market, Ping An Little Naughty Accident is a good choice, the product has good accidental medical protection, the maximum insurance amount can be selected 50,000, and there is no limit to 100% reimbursement of social security, and there is no deductible limit. In addition, you can also add accidental fractures, joint dislocations, accidental medical treatment of accidental ingestion of foreign bodies, and accidental medical insurance for burns and scalds, even if you attach all the responsibilities, the maximum is only 88 yuan, and the maximum is 211 yuan.

That's all for the question of what you should buy for children's insurance, I hope the above content will be helpful to you.

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.

Xueba talks about insurance, focusing on insurance evaluation! What kind of insurance is suitable for children over one year old? MeThe answer is critical illness insurance + accident insurance + medical insurance, so what kind of children's insurance have you bought?

You can take a look at the article I wrote some time agoTop 10 [cheap and high-quality] children's critical illness insurance in 2020

How do you buy insurance for a child around one year old? What insurance is good?

Children who are more than a year old are at the age of delicate and expensive, and they will bump and bump into them if they are not careful. So buy an insurance policy just in case. And it's really cheap for children to buy insurance, about 2,000 a year is completely enough.

So how do you buy insurance?

Let me talk about the general idea, which mainly includes critical illness insurance + accident insurance + medical insurance.

1.Critical illness insurance

2.Accident insurance

Children are more lively, often falls, burns, these situations, buy an accident insurance, can protect this situation after the unfortunate occurrence, there are enough expenses for the follow-up. And it is really not expensive for children to buy accident insurance, less than 200 a year, it is recommended to configure. So what kind of accident insurance is worth buying?

If you are interested, you can take a look

The 10 most worthwhile children's accident insurance points!

3.Medical insurance

Medical insurance is a cost-effective type of insurance, known for its low premiums and high sum insured, and is generally purchased with critical illness insurance, mainly to protect the expenses of hospitalization, drugs and other expenses, and only about 100 yuan a year can enjoy millions of reimbursement amounts, which is recommended to be configured.

Xueba said that insurance only helps families who really want to buy insurance for their children! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated, click to claim now, I believe it can help you.

What insurance should I buy for my child?First, you must apply for the country's medical insurance!

After the child is registered, you can go to apply for neonatal medical insurance (urban and rural residents' medical insurance), whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so you must handle the medical insurance for the child.

Second, in addition to the national medical insurance, some necessary commercial insurance should also be considered, and critical illness insurance + medical insurance + accident insurance is preferred.

Let's start with critical illness insurance, which provides coverage for as long as possible. In addition, critical illness insurance can directly pay a large amount of cash after getting sick, in addition to solving the ** expenses, it can also solve a lot of additional expenses caused by illness, such as missing homework because of illness, all need a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems.

Let's talk about why we need to configure 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 sum insured is 10,000 yuan, and the annual premium is only one or two hundred yuan, which is cost-effective and practical.

Finally, you need to configure an accident insurance, the child's accident insurance is particularly cheap, and the insurance amount of 20w only needs sixty or seventy yuan per year. Accidental death, dismemberment, and accidental medical liability of the child are all covered, inexpensive, and useful.

Third, what are the insurance policies that are not recommended for children?

Don't choose life insurance for your child, and try not to consider critical illness insurance with both liabilities attached. The specific reasons I know are in this answerHow to buy insurance for your child without being cheated? This guide tells you!

has been introduced in detail, because it has been written in detail in the manuscript, so I won't spend too much time introducing it here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, you can configure a full range of about 1,000 yuan per year, if you buy lifelong protection, it is only two or three thousand per year, which is very cost-effective.

That's all for me"For children over one year old, what insurance is appropriate for everyone to buy, and what insurance everyone buys"