How many insurances should I buy for my child, and is it cost effective to buy insurance for my chil

Ping An has a product called Wisdom Star.

Zhiduoxing, I really haven't heard of it.

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.

It is more appropriate to buy 4 insurances for children, namely children's medical insurance, children's critical illness insurance, medical insurance and accident insurance. Many parents don't know how to buy insurance for their children, so I will analyze it in detail.

1. Children's medical insurance.

Children's medical insurance is the most basic protection given by the state to children, children's medical insurance allows sick insurance, and the renewal conditions are relaxed, can reimburse basic medical expenses, very practical, it is recommended to give priority to the child before buying commercial insurance.

2. Children's critical illness insurance.

Children's critical illness insurance is a branch of critical illness insurance, which can pay a sum of money if the child suffers from a contracted illness and meets the prerequisites for claims, which can be used to fill the gap in the child's medical expenses, and can also be used to buy supplements for the child to restore physical functions.

The probability of a child suffering from a critical illness is not low, and high-incidence critical illnesses such as children's leukemia and hand, foot and mouth disease have been eyeing children, and children's critical illness insurance can be used to transfer the economic risks caused by the disease.

For example, these children's critical illness insurance are all worth buying: Top 10 ultra-cost-effective children's critical illness insurance, don't miss this treasure guide!

3. Medical insurance.

Medical insurance is a reimbursement type of insurance, which can complement medical insurance and make up for the reimbursement gap of medical insurance, such as reimbursement restrictions for some drugs.

Medical insurance can reimburse reasonable and necessary medical expenses on a pro-rata basis, such as hospitalization expenses, medical equipment usage expenses, and so on.

4. Accident insurance.

An accident insurance policy can be used to cover the financial expenses incurred due to an accident or illness caused by an accident, such as accidental falls, fractures, etc.

Children are curious and are very likely to encounter accidents when exploring the unknown. By buying an accident insurance for your child, you can transfer the financial risk caused by an accident.

What are the best accident insurance policies in the market? Just look here: in 2022, the most worthwhile accident insurance is here.

When buying insurance for your child, you must remember these three points:1Don't buy life insurance; 2.If you buy critical illness insurance, you can choose term critical illness insurance if you have insufficient budget; 3.You should buy consumer insurance, not a return insurance.

To buy insurance for your child, you only need to consider the type of protection insurance, and use the least amount of money to leverage the maximum leverage.

Learn three tips to make it easy to deal with children's insurance!

For children's mobility, accidents, medical insurance is the first choice, and of course, the combination of dividends, education funds, and pension insurance is the best.

Also, buy insurance first for adults and then children, and adults are the best protection for children. If adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is the adults who pay the relevant fees for the children.

However, the order of purchasing insurance is: protection products must be the first, including 1, consumption (accident insurance, term life insurance, etc.); 2. Accumulation type (whole life insurance, comprehensive insurance, etc.). Then there is medical insurance (general medical care, serious illness medical insurance, etc.), endowment insurance, children's education funds, investment dividend products, etc.

At the same time, the order of purchase of the family is: 1, the economic pillar; 2. Your lover; 3. Family members without financial income, such as children, the elderly, etc.

Secondly, the principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally medium and long-term contracts, and if you buy it, you can become a lifelong happiness, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) To buy insurance, you must first protect the head of the family, if the main wealth creator of the family is not protected, then the premium? Cost of living? and other family expenses are not ***.

How to equip children with insurance, for the healthy growth of children, it is recommended to buy the following three types of insurance, namely accident insurance, critical illness insurance, medical insurance, because children are more likely to be injured and sick, so it is recommended to give priority to children to choose accident insurance and medical insurance, when we buy critical illness insurance, if the budget is limited, you can choose the word compensation of regular children's critical illness insurance.

How to buy insurance for children, how to buy the most cost-effective?

Children are more active, and they will not protect themselves well, and it is inevitable that there will be some bumps, so for common burns, falls and other accidents, you can buy children's accident insurance; In addition, children's resistance is weak, so you can choose consumer-based critical illness insurance with lower premiums to protect your child's health first, and then consider investment-based insurance such as education funds.

First of all, understand what is the main function of insurance?!

1. Protection, which is the basic function, compensates for the risk with money;

2. Compulsory savings, note that I use "savings" instead of investment, mandatory means that the agreed period, then you can not receive changes at will, otherwise you have to bear the large loss of surrender, and the meaning of savings, that is, the accumulation of a lot, so that you can save money when you come, which is conducive to long-term financial planning.

Insurance never says "cost-effective", which is not true!

Are you right to balance it with good health?

Look at what type of insurance to buy, is education, accidental injury, critical illness, now buying insurance is a necessity of life, now the three major things of life are to buy a car, buy a house, buy insurance, insurance this thing is invisible, but once a claim occurs to find its preciousness. The key to buying insurance for your child is that if it is medical insurance, don't repeat it with the insurance of the school, and ask for an invoice when you make a claim, and there is only one invoice, and you can only give a claim. It is recommended that you find a professional salesman to introduce insurance to you according to your needs.

It should be made clear that the return of insurance is fundamentally to take away the risks that you cannot eliminate and avoid, and to complete your sense of responsibility and love.

What kind of protection do you want to give your child, and do you feel that it is cost-effective? How do you determine the best deal? What kind of protection do you want to give your child at the moment, and do you have any specific requirements?

I'm AIA Beijing.

Taking critical illness insurance as an example, to buy critical illness insurance for children, the insured amount needs to be at least 300,000. Because the expenses required for a general critical illness are about hundreds of thousands of yuan, and parents may not be able to work when they take care of their children, they can also be used to make up for the loss of parents' income.

However, if you are financially affluent, you can also buy a higher sum insured, because the payout of critical illness insurance is related to the sum insured, so the higher the sum insured, the more insurance money you can get when you make a claim.

However, if the amount of insurance purchased is high, the premium required will also be relatively high, which may bring financial pressure, so it is necessary for everyone to choose according to their own situation.

1. Adults first and then children.

Many parents only patronize the insurance for their children, but ignore their own protection. The senior sister suggested that parents should first configure the insurance for themselves before buying insurance for their children, and then configure the insurance for their children.

Because parents are the child's dependence, before the child is truly independent, the premium required for the policy still needs to be borne by the parent, and if the parent falls, the child's policy may also become invalid due to the disconnection.

How do adults buy insurance? Everyone has their own solution.

2. Preferential selection of products with policyholder exemption.

Waiver means that when the policyholder has a contractual situation, the remaining unpaid premiums can be waived, and the policy is still valid. As mentioned earlier, the child's premium is usually borne by the parents, so if the policyholder is exempted, then when the parents have the same agreement, there is no need to worry about the child's inability to pay the premium.

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

For "children's insurance is more with you and less money for a month", it depends on what kind of product you buy, what kind of protection you provide, how much insurance is insured, etc., different insurance** is different, some are expensive and some are cheaper. To buy insurance for children, experts recommend that parents first go to the community to give their babies a community resident medical treatment, 20 yuan a year. In addition to commercial children's health insurance.

Children's medical insurance can be purchased separately, and this type of insurance covers accidental injury, accidental medical treatment, hospitalization treatment, hospitalization allowance, surgical allowance, critical illness protection and insurance exemption. Full coverage and low premiums.

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

Hello, if both parents are equipped with insurance, the sooner you buy your child's insurance, the better, because the sooner you buy it, the sooner you can get protection. Regarding the insurance strategy for children's insurance, the dad has sorted it out, so you might as well take a look at this article to find out. "1000 yuan to get the child's insurance, so that you can spend less money!" 》

Generally, you can buy insurance after 30 days of birth, and the sooner you buy child insurance, the more cost-effective it is.

There are many issues that need to be paid attention to when buying insurance for babies, you can see here: "Is it necessary for babies to buy insurance?" What should I be aware of? 》

Of course, I bought it at birth.

Generally, you can buy it after 30 days of birth.

In fact, the best thing is to buy it when you are pregnant or preparing for pregnancy, some types of insurance during pregnancy, not only protect adults, but also protect children from some diseases, but there are fewer diseases, so you are not afraid of a 30-day blank period. After 30 days, I will buy him something else.

Of course, the probability of some diseases within 30 years of birth is relatively small, after all, medicine is now developed, and screening methods are good.

It is better to be sooner rather than later, firstly, because you can get protection as soon as possible, and secondly, because it is relatively cost-effective to pay premiums. At present, many children's insurance plans meet the insurance age when the child is 28 days old. Parents may consider preparing insurance for their children during the neonatal period after birth.

According to statistics, most parents in China focus on their children between the ages of 2 and 14 to purchase insurance for them. According to hospital visit data, the age of 2-6 years is the period when the probability of illness is higher, and the period after the age of 6 is the stage when the accident rate is higher. When to buy insurance for your child, you can refer to this to decide.

Hello, the right plan for your child is the best.

Children's insurance is mainly divided into two parts: social insurance and commercial insurance, and social insurance mainly refers to local policy insurance such as community medical insurance. In addition, parents can supplement their children with some commercial insurance on this basis to provide comprehensive protection for their children's health and accidents.

For commercial insurance, critical illness insurance, hospitalization insurance, and accident insurance are more suitable for children with weak resistance and weak sense of self-protection. It has a good protection effect on children's illness, hospitalization and accidental injury, which can effectively reduce the financial pressure of the family and give the child comprehensive care when encountering the above situations.

It is recommended that you choose a combination of a children's comprehensive insurance plan + a children's education fund to purchase insurance for your children, so as to save in advance for your children's future education while protecting your children's lives. Hope it helps.

Ping An Wisdom Star is good, this is what my family buys.

I've heard of the Angel of the Century of Peace.

Xueba said insurance, only recommend the most suitable child insurance! This year, the comparison table of 136 best-selling children's critical illness insurance has been updated, click on the blue word to claim it immediately.

How to buy insurance for your childThis question has stumped many parents, today we will take a good look at what kind of ideas and methods should be followed to buy insurance for children! Follow these three criteria::

First, the country's medical insurance must be handled.

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, 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.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection. 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 falling behind because of illness, or some irreparable losses in subsequent life, all of which require a lot of cash. Buying a pure protection critical illness insurance can solve these problems.

As for medical insurance, it 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 very cost-effective.

Finally, let's talk about accident insurance, children's accident insurance is very cheap, 200,000 yuan insurance is only 60 or 70 yuan per year, don't look at the cost is not much, but the protection is a lot. Accidental death, disability and accidental medical liability of the child can be covered, which is very cost-effective.

Third, don't buy both types of insurance for your child!

Don't choose life insurance for your child, and try not to choose critical illness insurance with both liabilities. The specific reasons I know are in this answerWhy is it so hard to buy child insurance? You'll know when you see it!

has been introduced in detail, because it has been clearly stated in the manuscript, I will not say too much here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, a thousand yuan per year can be configured comprehensively, if you buy lifelong protection, it is only two or three thousand per year, ** low protection and real.

That's all for me"If you want to buy insurance for your child, which is better for children? "