What kind of preparation does it take to buy education savings insurance for your child?

Xueba said that insurance, only help parents who want to buy the right 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, we believe that we can help you choose the right insurance for your child.

How to buy insurance for your child

First, children's medical insurance is essential!

Neonatal medical insurance (medical insurance for urban and rural residents) is a national basic insurance, and children should be handled immediately as soon as they are born.

Second, the three types of commercial insurance, critical illness insurance + medical insurance + accident insurance, should be configured together after handling medical insurance.

First of all, critical illness insurance, which provides a relatively long period of protection. In addition, critical illness insurance can directly pay a large amount of cash after getting sick, in addition to solving the problem of medical expenses, it can also solve a lot of additional expenses caused by illness, such as children who delay their studies due to illness, and even some subsequent life losses, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance policy can be used to 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, 200,000 yuan per year is only 60 or 70 yuan, which can protect children from disability, death and medical liability caused by accidents, which is cost-effective and 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 articleWhy is it so hard to buy child insurance? You'll know when you see it!

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 is only two or three thousand per year, which is very cost-effective.

That's all for me"What kind of preparation does it take to buy education savings insurance for your child?"All of them, I hope it helps you! Hope!

Hello! In the face of higher and higher education costs, many parents have begun to purchase appropriate education savings insurance for their children, so that their children can enjoy high-quality educational resources.

It is recommended that the subject configure critical illness insurance, medical insurance and accident insurance before purchasing education insurance.

Child protection insurance is very cheap, one or two thousand a year can be fully configuredIt is recommended to give the child as much as possible with a high insurance amount, preferably more than 500,000 yuan, which can cover the annual income of the family for 3-5 years

The education fund must be bought after buying the insurance product。If a family does not have adequate risk protection, any serious illness is enough to knock a family down. How do you plan insurance for your child?

In general, there are 3 aspects to pay attention to:

1) Allocate protection products (critical illness insurance, medical insurance, accident insurance) first, and then consider wealth management products.

2) Children are in the growth period and face different risks at different ages, so the allocation method should be different

3) The cost performance of insurance products is king.

Xueba said that insurance only helps families who really want to buy insurance for their children! This year's comparison table of 136 best-selling children's critical illness insurance has been updated, now for free, click to claim now.

What insurance is good for childrenThis problem makes countless mothers and fathers who want to buy insurance for their babies daunted, today we will take a good look at what kind of ideas and methods should be followed to buy insurance for children! Keep these three points in mind:

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

After the child has a household registration, he can go to apply for neonatal medical insurance (medical insurance for urban and rural residents), 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, 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.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). 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 a lot of additional expenses caused by illness, such as children who delay their studies because of illness, and even some subsequent life losses, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance can solve these problems.

In addition, medical insurance can be used to reimburse the medical expenses of children's usual medical treatment, for example, a 0 deductible hospitalization medical insurance, with an insurance amount of 10,000 yuan, and an annual premium of one or two hundred yuan, which is cheap and useful.

Finally, when it comes to accident insurance, it is very cheap for children to buy accident insurance, with an annual protection of 200,000 yuan, only sixty or seventy yuan. Accidental death, disability and accidental medical liability of the child can be covered, and it is very cost-effective.

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

There is a detailed introduction in it, and because it is written in detail, I will not introduce it 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 is only two or three thousand per year, which is cheap and useful.

That's all for me"What do I need to pay attention to when buying education insurance for my child? "

When buying education insurance for your child, you should pay attention to:

1. Pay attention to security first and then education. Many parents spend a lot of money to buy education insurance for their children, but do not buy accident insurance and medical insurance, which turns the function of insurance upside down.

2. When purchasing education insurance, the protection function should be taken into account to cope with the possible future risks of illness, disability and death of the child, and the child can be provided with protection from illness and accidental injury and high disability.

3. Pay attention to the exemption clause, once the policyholder has a risk such as illness or accidental death and high disability, the insurance company will waive the insurance premium payable by the policyholder in the future, and the rights and interests that the policy should enjoy remain unchanged, and it can still provide the child with the cost of future education.

4. Parents should skillfully use combinations when purchasing education insurance for their children, such as the combination of "education insurance and education savings".

5. When purchasing education insurance, you must be careful of liquidity risk. The disadvantage of education insurance is that it is less liquid, and the premium is usually relatively high, once the capital is invested, it needs to pay the premium to the insurance company regularly according to the contract, which is a long-term investment.

Buy education insurance for your child, know these before you start:

1.Before buying insurance for children, we must first ensure that the growth of children is guaranteed to be guaranteed before solving children's education problems, and the principle of "first focusing on protection and then education" when buying insurance for children can give priority to improving accident insurance and health insurance protection.

2.Premium budget education insurance is a protection-type insurance, not a blind pursuit of income, not the higher the premium, the more protection. When buying education funds, the correct way is to compare the same cost and term, which insurance product has higher protection and better income, and this type of product is more cost-effective.

In addition, when allocating insurance, it is advisable for the total premium expenditure of the whole family insurance to not exceed 10% of the total family income.

3.Pay attention to the exemption clauseSome parents blindly believe that insurance must maintain and increase its value, but in fact, the most basic protection of insurance is to prevent risks. Many education insurance plans have a premium waiver feature.

Nowadays, many companies sell education insurance, some of the terms directly have the function of premium waiver, but some of them appear in the form of additional insurance. When parents purchase education insurance for their children, if there is no premium waiver clause in the main insurance, they should also purchase the premium waiver rider. It is the responsibility of every parent to plan for their child's future in advance, and there is an age limit for taking out education insurance for your child, so plan as early as possible.

In fact, as long as you are reasonably insured, it can play a role in solving the problem of children's education costs.

Only a small number of senior account managers have the right to sell, and they can directly contact 95511 to 4 to 3 to 9 to report the work number 1657619 to understand in detail.

One policy, full protection.

Covering education, critical illness, medical treatment, and waiver, it solves the insurance needs of the growth stage in one stop.

Double the collection, intimate protection.

After the death of the policyholder, the growth care fund, education care fund, academic success fund, and family start fund will be doubled.

Grow up and educate for a long time.

Dividends are distributed every year, and compound interest is calculated (rolling interest).

At least 70% of the distributable surplus of the participating insurance business will also be shared with policyholders each year.

3% of the sum insured is paid annually, 30% of the sum insured is paid annually for education and care for 15-24 years old, 30% of the sum insured is paid for academic success at the age of 30, and 100% of the sum insured is paid for starting a family at the age of 30.

The tiger mother chooses a 40,000 main insurance annuity for a 0-year-old boy, and also attaches 400,000 critical illness insurance, with a monthly premium of 1,721 yuan, and a total of 10 years of payment Each policy anniversary (including the expiration period), the child can receive 1,200 yuan of growth care fund;

If the tiger mother dies when the child is 11 years old, the remaining annual growth care fund becomes 2,400 yuan;

Children aged 15-24 can receive 24,000 yuan per year of education and care funds;

When the child is one year old, he can receive an additional 24,000 yuan per year for his or her studies;

If the child unfortunately has leukemia at the age of 20, no invoice is required, and a one-time compensation of 800,000 yuan will be paid after diagnosis;

Under the positive **, the child can survive safely until the 30th anniversary of the policy, and can receive a one-time payment of 80,000 yuan for starting a family.

Issue age. 0-14 years old (0 years old means 28 days old).

Basic sum insured. 10,000-200,000 yuan.

Payment method. Monthly and annual payment.

Payment Period. 10 years · Coverage period.

Up to 30 years old.

Only a small number of senior account managers have the right to sell, and they can directly contact 95511 to 4 to 3 to 9 to report the job number 1657619 to understand in detail.

Xueba said that insurance, only help parents who want to buy the right insurance for their children! This year's comparison table of 136 best-selling children's critical illness insurance has been updated, you can click on it to take a look, I hope it can help you.

How to buy insurance for your childThis problem has always been a problem that stumps tens of millions of parents, so let's take a good look at how this problem should be solved! Follow these three criteria::

First, you must apply for the country's medical insurance!

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, after the medical insurance is handled, you can consider configuring commercial insurance for your child, giving 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 directly pay a large amount of cash after getting sick, which can not only solve the problem of medical expenses, but also solve many additional expenses caused by illness, such as the delay in study caused by 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 in the future.

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 not expensive and very useful.

Finally, let's talk about accident insurance, children's accident insurance is very cheap, 20w insurance amount only needs sixty or seventy yuan per year, which can protect children's disability, death and medical liability caused by accidents, which is quite cost-effective.

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

Don't buy life insurance for your children, and try not to think about critical illness insurance with both liabilities attached. The specific reasons I know are in this answerHow to buy child insurance without being cheated? You'll know when you see it!

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 above insurance ideas, if you configure regular protection for your child, you can get it for 1,000 yuan per year, and if you buy lifelong protection, it will only be two or three thousand per year, which is cheap and useful.

That's all for me"What should I pay attention to when buying children's education insurance?"

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.Buy insurance for your children, don't plan too much for a rainy day, plan your life, and don't hide reality. 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, and reverse the order, it will be a mess, which is equivalent to wasting 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.

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