My son is 2 years old and wants to buy an insurance, preferably no more than 5,000 yuan a year

A VCD for babies aged 1 to 6 years old, completely free of charge

If the budget is only 2,000 yuan, we can configure children's critical illness insurance, million medical insurance and accident insurance for children. If parents are not sure how to allocate insurance for their children reasonably, then let's take a look at this child insurance strategy: in-depth article - how to buy insurance for children?

Netizens shouted: Why did you only see it now.

1. Critical illness insurance and million medical insurance.

Children are in the stage of development, weak resistance, easy to get sick, and the possibility of serious illness is also very high, and there is a limit to the reimbursement of medical expenses by medical insurance, and many times parents need to bear more costs.

Therefore, it is necessary to buy children's critical illness insurance for the child, and during the protection period, the child is diagnosed with the disease agreed in the contract and meets the claim conditions, then the compensation of the critical illness insurance can be used to pay for medical expenses or make up for the loss of income of the parents and reduce the financial burden.

Million medical insurance has a reimbursement amount of up to millions, which can be used as a supplement to medical insurance to reimburse more reasonable medical expenses and reduce the burden of medical expenses. Some friends will confuse critical illness insurance with million-dollar medical insurance, so let's take a look at this article to distinguish the difference: after reading these contents of medical insurance, you will know why you should buy critical illness insurance.

2. Accident insurance.

Children do not have the ability to protect themselves and are prone to bumps and accidents, so it is also necessary for children to configure accident insurance to transfer the economic risks arising from children's unfortunate accidents.

After understanding what kind of insurance to buy for children, we have to choose products according to the economic budget, parents can consider matching Qingyunwei No. 2 Children's Critical Illness Insurance, Pacific Medical Worry-free Million Medical Insurance, Ping An Shengshi Worry-free Children's Accident Insurance:

As can be seen from the above table, the premiums of these three insurances are quite affordable, and the total annual premium for 10-year-old boys or girls is less than 2,000 yuan according to the conditions of **. The protection of these products is also very thoughtful, such as Qingyunwei No. 2 Children's Critical Illness Insurance, the protection content is also very comprehensive, covering critical illness, middle cluster disease, mild illness protection, as well as optional responsibilities such as children's special illness and critical illness multiple claims, which can give children comprehensive disease protection. You might as well check out this review article to learn more about what it covers:

How about China Merchants and Qingyunwei No. 2 Children's Critical Illness Insurance? You'll know after reading it!

Did your treasure search dust pants go to kindergarten Shijian? You can ask, kindergartens will generally buy accident insurance for children, if not, you can buy a consumer-type card discount such as brother and grandson 1-year accident insurance. You can also buy some long-term life insurance.

For example, what kind of critical illness is like this. Nothing else is interesting. Because in addition to critical illness insurance, 2,000 yuan is a little less for insurance.

The insurance protection that can be bought for 2000 yuan is not enough, so it is not much fun to buy it. It's better to save in the bank. The 5-year rollover I saved for my baby has a high interest rate.

It's much more appropriate than buying participating insurance.

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

Five-year-old children have school insurance, if you really want to buy insurance for your child, it is recommended to choose the education savings type. The types of insurance from various insurance companies can be found on the Internet, so you can compare them and choose the one that suits you best. However, when deciding to buy insurance, you must look at the contract well, and if you don't move, you must ask the salesman clearly, and sign it after confirming that it is correct.

The annual premium is about 10-15% of the annual income, which is reasonable!

The "most basic" insurance package for children, in a nutshell, a one-year-old baby example:

1. If you invest in education funds for children, pay a total of 100,000 yuan in 15 years, then you can receive more than 10,000 yuan when your child reaches high school and college, you can receive 50,000 yuan when you get married, and there are more than 70,000 yuan in the account at this time, if you receive a pension after the age of 60, you can receive more than 5,000 per month, and a total of 1.2 million in 20 years! After the age of 80, there are still about 200,000 in the account! By the age of 100, there will be 680,000 in the account!

Get your premium back every 3 years!

2. In addition, there is a comprehensive accident hospitalization medical insurance! Reimbursement for all accidental hospitalizations and medical malpractice is included! There is no limit to the number of reimbursements, and the waiting period for hospitalization is only 30 days!

I also have this consideration now, and my friend recommended Hongyu Children's Life.

Xueba talks about insurance, focusing on evaluating children's insurance! This year, the comparison table of 136 hot-selling children's critical illness insurance has been updated, you can click to take a look, which can help you choose your child's insurance.

How to buy insurance for your childThis problem makes many parents have no idea where to start, today let's take a good look at how to buy insurance for their children so as not to be pitted! Configure from these three aspects:

First, take care of the medical insurance first!

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, so this must be handled for the child.

Second, in addition to the basic insurance of national medical insurance, commercial insurance should also be considered, and critical illness insurance + medical insurance + accident insurance should 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, in addition to solving the best expenses, it can also solve many hidden problems caused by illness, such as the delay in school due to medical treatment and some losses in subsequent life, which require a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems.

For example, with a 0 deductible hospitalization medical insurance, you can buy an insurance amount of 10,000 yuan with an annual premium of 1,200 yuan, which is very cost-effective.

Finally, let's look at accident insurance, children's accident insurance is very cheap, and the insurance amount of 20w only needs sixty or seventy yuan per year, which can protect the child's accidental death, accidental disability and accidental medical liability, which is very cost-effective.

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

Don't assign life insurance to your child, and try not to attach both liabilities to critical illness insurance. 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 there is already a detailed analysis in the manuscript, so I won't spend too much space 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"I have an annual income of 25,000 and want to buy an insurance policy for my 5-year-old child, but I don't know which insurance is suitable? "

New China Life Insurance serves you, there are many types of insurance for children, how much do you think it is to save 5,000 per year for your children? As long as the salesman is more responsible, I think the insurance covers accidents, health, pension, financial management, compulsory savings, hospitalization, etc., and I want to ask if the 5000 is not put in the insurance company, do you think it will stay.

Hello! The insurance object is different, the insurance chosen is different, the premium is also different, everyone has their own needs, so do a good demand analysis before buying insurance, and then choose insurance. Children's insurance should first improve the accident and medical aspects, and then the savings type of education insurance, the best solution is to combine the two, and the protection and education funds are integrated.

Hello, the amount of premium is directly related to the level of protection, education and entrepreneurship funds. Insurance is the love of parents for their children, this love will accompany the child's life, and preparing a life insurance for the child is the inevitable choice of parental love; Establishing a child's education and entrepreneurship fund as early as possible will help the child successfully step into society and take the first step in life.

Insurance is not more expensive than it is, it is only about whether it can solve your problems.

Hello! Children's insurance starts at 1,000 yuan, and the premiums are different for different types of insurance. Coverage is more different. Welcome to call to help you analyze 15966648966

If you simply consider the guarantee, about 3,000 yuan per year can solve the security problem.

Hello! Accidents and illnesses are always the most important risk factors around children, and in addition, the protection of children's education should also be paid more and more attention by parents. Parents who can afford to buy insurance for their children should do a good job of protecting their children.

Invest 3,000 yuan a year in premiums to buy the most suitable children's insurance product for your 5-year-old son, and you must pay attention to the actual risks faced by the child.

How to buy the best children's insurance for my 5-year-old son?

1. Buy insurance according to the actual age of the child. For minor children who have just turned 100 days old, parents should consider 3 risks: accident insurance, critical illness insurance, and medical insurance.

2. Choose the most suitable insurance product for your child. The most suitable choice is to buy protection products, mainly life insurance, accident insurance, medical insurance, critical illness insurance, etc. After establishing basic protection, some investment-based insurance products can be supplemented as a way to manage your finances as appropriate.

3. Choose the appropriate amount of insurance according to the child's situation. The need for coverage changes depending on the family structure, income, and external economic situation.

4. To choose the most suitable insurance company for the child, you can consider the service level and solvency of the insurance company.

To buy the most suitable children's insurance for their 5-year-old son, parents and friends should comprehensively consider designing a complete children's insurance plan for the child according to the risk situation he faces. Suggested read: