What insurance is suitable for babies and what are the suitable insurances for children?

We only recommend insurance that is really useful for small children! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated, you can click on it to take a look.

I don't know how much insurance should be bought for the child, and I want to give the baby comprehensive protection. Configure from these three aspects:

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

Neonatal medical insurance (medical insurance for urban and rural residents) is the basic national insurance, and the child should be handled immediately as soon as he is born, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, commercial insurance gives priority to critical illness insurance + medical insurance + accident insurance.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection. In addition, critical illness insurance can pay a large amount of cash directly after getting sick, which can not only solve the problem of medical expenses, but also solve many hidden problems caused by illness, such as taking care of sick children, and bring financial losses to the family, which require a lot of cash to make up. Buying a pure protection critical illness insurance policy can be used to solve these problems.

It is better for children to buy that kind of insurance; First; Critical illness insurance, critical illness insurance is the first choice for children to insure, and it is also the most basic insurance. At present, critical illness insurance covers more than 100 kinds of diseases, and will also pay multiple claims, multiple claims for mild and moderate diseases, with its own premium waiver function, and the protection is very comprehensive; Second; Medical insurance, preferably covering inpatient care, outpatient care, and critical illness care, can be used as a supplement to social security reimbursement; Accident insurance can also be configured, including comprehensive accident insurance for accidental medical treatment; Third; Children's education funds, you can determine the education expenses for your children in advance to ensure the quality of education, and you can also make the wealth increase steadily, you can use the increased amount of whole life insurance to configure, and the annual compound interest appreciation can be used as the child's education fund, wedding fund, entrepreneurship fund, and can also be used as a future retirement pension, and the way to receive it is also flexible and autonomous! In the process of growing up, there is a high probability that children will face various risks of injury, illness and accidents, and even after adulthood, children will always face the impact of various risks during their long life.

As parents, we often only pay attention to whether the children are full, warmly dressed, happy to play, and whether they are excellent in their studies, but it is often easy to ignore the serious consequences that are easily caused by the risk of accidents.

How do children configure commercial insurance?

Before you want to configure business insurance, ask yourself a few questions:

1. Why do I want to configure insurance?

2. What problem do I want to solve?

3. What am I worried about?

4. Can these insurance products I configure solve my worries?

If not, if not, you can first understand the basics of insurance:

1: Accident insurance is to solve the problem when we are injured or die in an accident, we can get compensation. Disability is paid to us personally, and death is paid to our family.

2: Accidental medical treatment is to solve our medical expenses when we are injured by accidents and need treatment.

3: Medical insurance is to solve our health problems, need to pay for medical expenses, insurance companies can help us to solve the expenditure of medical expenses, generally divided into outpatient medical care and inpatient medical care.

4: Critical illness insurance is to solve the needs of **and** and most importantly the loss of income during this period after we suffer from a critical illness.

5: Life insurance is to solve the problem when we have family responsibilities, and sometimes when we have to leave, the insurance company will give us a sum of money to help us take on family responsibilities.

When making any commercial insurance planning, we must not forget that our most basic protection - social security, that is, children's medical insurance among urban residents, is an opportunity for us to get the country's wool. Because medical insurance is the dignity that the state guarantees to everyone. The children's insurance plan we have made below has children's medical insurance by default.

Knowing these insurance tips, you can take a look at your insurance needs.

You can see that there are three versions here: low, medium, and high.

There are options for annual premiums from 1,000 yuan to 5,900 yuan.

When shopping for an insurance product, there are three words to keep in mind: low, high, and wide.

The same insurance product, the same protection responsibility: low premium, high sum insured, wide coverage. This is the only way to buy insurance products.

Choosing insurance is a written clause and a professional and technical job.

Want not to be fooled? Want to shop around?

Want to save on your premiums? Want to pay off quickly?

Want to take care of your policy? Want to defend your rights?

Contact a professional insurance broker and you can solve it.

Because insurance brokers do not represent the interests of any one insurance company, they only recommend insurance solutions that are suitable for their customers.

What kind of insurance is suitable for children can be determined according to the actual situation.

1. Handling of children's medical insurance! Children's medical insurance is a national welfare, and it should be configured before considering commercial insurance.

2. Critical illness insurance;

The incidence of major diseases is actually very low in the early childhood stage, even if the absolute incidence of leukemia as a malignant tumor is actually very low, but because leukemia accounts for nearly 30-40% of the incidence of all malignant tumors in children, especially in early childhood, many people mistakenly think that leukemia is a high incidence in children. Because of this, children's critical illness insurance is actually very cheap and has high insurance leverage.

3. Medical insurance; Medical insurance, which is divided into million medical care and small medical care.

Medical insurance is a reimbursement product, which is mainly used to reimburse inpatient medical treatment. At present, small medical care is generally about 10,000 yuan, and million medical insurance is a product that reimburses more than 10,000 yuan, and the insurance amount can be as high as 6 million.

4. Accident insurance;

Because newborns have just been born, they are all in swaddling clothes, and they have not yet reached the period of running around and being curious, so you can buy accident insurance later, but if you have already started to run and jump and be naughty, you must give priority to buying accident insurance!

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

First of all, we will bring you the latest and most comprehensive comparative evaluation of children's critical illness insurance"2020 Top 10 [Cost-effective] Critical Illness Insurance Rankings".

Children's physical functions are not yet mature, their physical fitness is relatively low, and they are prone to illness, so it is a very wise choice to configure insurance for children. There are many types of insurance, what kind of insurance should I buy? Next, let's talk about which insurance is the best to buy.

1. Children's medical insurance

The first thing you should buy when you configure insurance for your child is children's medical insurance. Medical insurance is a welfare insurance, and his insurance fund raising methods include "collective support" and "** funding" in addition to "individual payment". Individuals only need to pay a premium of one or two hundred yuan per year, so this is the first insurance that should be purchased for children.

However, the protection of medical insurance will also be relatively low, with a minimum payment line and a ceiling line, and many self-financed drugs cannot be reimbursed. Therefore, if you only buy medical insurance, the risk protection is not enough, and you need to buy other commercial insurance to make up for it.

2. Critical illness insurance

Critical illness insurance is insurance that covers critical illnesses. Unlike medical insurance, critical illness insurance is a benefit-based insurance, which can be paid if you have an illness that meets the definition of illness agreed in the insurance contract. If the child unfortunately suffers from a serious illness, the insurance company will pay a lump sum insurance compensation to the parents, and the parents can also take care of the child wholeheartedly, and they can not worry about money problems for a while.

Nowadays, there are many children's critical illness insurance specially designed for children, and the coverage content is more practical for children, and many can be added with optional policyholder waivers.

3. Medical insurance

"Million Medical Insurance" and "Small Medical Insurance" are two more practical types of insurance in medical insurance, of which Million Medical Insurance is mainly used to deal with serious illnesses with higher medical costs, its insurance amount is relatively moderate, and it can cope with larger medical expenses, but its deductible is also higher, generally between 10,000 and 20,000. The reimbursement amount of small medical insurance is relatively low, usually his insurance amount is only 120,000 yuan, and his deductible is also very low, only one or two hundred yuan, or even no deductible. His insurance content is very suitable for the needs of children, including three parts: inpatient medical expenses for illness, accidental inpatient medical expenses and general outpatient medical expenses.

Due to the general medical outpatient coverage, even children with fever and cold can be compensated.

4. Accident insurance

Children are more lively, love to try new things, daily life is inevitably some bumps, such as children's fracture incidence is still relatively high, so it is more necessary to buy a children's accident insurance, as long as the content of the protection covers some common accidents in daily life, want to know what children's accident insurance is worth buying, please see this article"The 10 most worthwhile children's accident insurance points! 》

When your child is really good, you will have protection at a young age, in fact, parents are the biggest protection for children, so before planning child insurance, you must first think about whether the parents' protection is good.

In fact, there are three types of insurance that each of us needs: medical treatment, critical illness and accident, and if possible, you can plan in advance to reduce the burden of education in the future.

Answer 1, first of all, there are several kinds of children's insurance on the market in China, first, accident insurance, second, medical insurance, 3, education insurance, etc., therefore, when choosing, we should choose according to the needs of young children.

Accident insurance may be a more suitable option.

Health, educate what problem you want to solve (o o)?

There are a few main considerations to consider when buying insurance for your baby.

1. First of all, accident and accident medical insurance is the first drawback, and it is inevitable that the child will have a bump and bump accident insurance is a must.

2. Medical treatment and hospitalization subsidies for minor illnesses, major diseases, low immunity of children when they were young, and now the living environment of silver celery socks is also very harsh, and the food and drink are not safe and hygienic, and the medical costs are soaring, so make a supplement on the basis of social security. 3. The planning of education funds, education is a rigid demand, when the children are young, in solving the problem of children's medical care, the education funds must also be planned as soon as possible, so as to be small and broad, and accumulate a lot. Buying insurance is buying protection!

The order of insurance is: adults first and then children, protection first and then investment.

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