What insurance to buy for a full moon baby, and what insurance is suitable for a full moon baby

First of all, if an adult has insurance, it is the best and greatest insurance protection for children.

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, for insurance, the order of purchasing insurance is: protection products must be provided 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.

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

For example, first purchase the social insurance launched by the state (it is best to have a unit come forward to purchase), such as the cooperative medical insurance for rural households or the medical insurance for urban residents with urban households, and then consider commercial insurance as a supplement.

For each of us, we should focus on health insurance. That is, medical insurance and protection products are the first, and then the combination of pension insurance, children's education funds, and dividend investment products is considered.

Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Insurance follows the "high loss priority principle", that is, if a risk accident occurs infrequently, but the loss is serious, priority is given to insurance.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

To be honest, we make money for a lifetime, and at the same time, we spend money for a lifetime, so why does everyone work so hard? In the future, pension, medical care, children's education, etc., but must have a healthy body, smart people know this truth, only the capital to make money, you can make more money, so it is important to buy adequate medical insurance. If you are not healthy, it is impractical to have more pension insurance.

Here, I know that in this industry, there are three recognized sentences that say this: "brand in life", "Ping An talents" and "Xinhua products".

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 ***.

5) 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.

Limited participation in neonatal medical insurance or NCMS medical care, with a low threshold for participation.

If parents also have the conditions, they can also buy some commercial accident insurance.

You can buy long-term medical insurance and accident insurance, now that the medical conditions are good, the medical expenses are also very expensive, and it is necessary to configure an insurance.

It seems that the baby who is full moon does not have any insurance, and critical illness insurance can only be purchased after the age of three months.

What kind of insurance do you buy for your baby? You can buy Pacific Insurance.

1. The baby who is more than 28 days old has the insured for many types of insurance.

2. Newborn babies can refer to the following plans for configuring insurance: first, participate in social security, which is the basic insurance, and secondly, configure commercial insurance on the basis of social security. There is also an order for the configuration of commercial insurance:

Priority is given to protection types of insurance, such as accident insurance, medical insurance, and critical illness insurance. The reason is that children are young, have a weak sense of prevention, and are not strong in their ability to adapt to the environment, so they should give priority to protection-type insurance, which is not only low in premium but also has a long protection time compared with adults;

Families with good economic conditions can configure education and pension insurance. Because when you grow up, you can't do without education, and you can't avoid getting old.

After configuring the above types of insurance, you can also consider whole life insurance and asset inheritance types if necessary; But the protection type is the foundation, and without the protection of health insurance, everything else is variable.

3. The insured amount of insurance is measured according to the actual needs and ability of the family to pay, the higher the better.

4. The most fundamental insurance for children is their parents, because before the baby grows up and has the financial ability, they all rely on their parents to raise, and parents are the pillars of the family and children, so the protection of parents cannot be ignored.

The baby who has just completed the month can buy him a local resident insurance, and secondly, you can also buy a commercial underwriter, commercial insurance, you can buy Ping An of China or Chinese hand, they are two big brands of insurance.

28 days - 6 years old, 400 yuan a year, consumption-oriented, one payment a year, one insurance a year, you can buy it separately, no need to add the main insurance.

Accidental death, disability and burns: $50,000. Death from illness: 100,000. Critical illness: 100,000. Inpatient medical expenses: 50,000 yuan in total. Accident outpatient clinic: 2,000 cumulatively. Personal liability for children in public places: 50,000.

There is a deductible of 200 yuan for inpatient medical treatment, and the reimbursement is in stages, 200-1000, and the reimbursement is 60%. 1000-10,000 is 70% reimbursement. 10,000 to 30,000 is 80% reimbursement. More than 30,000 is reimbursed 90%. You can buy it without social security.

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How to buy insurance for your childFirst, health insurance is essential, and so are 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, 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.

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 many hidden problems caused by illness, such as falling behind because of 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 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, to configure an accident insurance, it is very cheap for children to buy accident insurance, 200,000 yuan per year, only sixty or seventy yuan, can protect the child's accidental death, disability and medical expenses caused by accidents, which is cost-effective and practical.

Third, what insurance should not be bought for children?

Don't give your child life insurance, and try not to consider critical illness insurance with both liabilities attached. 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 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 are configuring regular protection for your child, you can configure it for 1,000 yuan per year, and if you buy lifelong protection, it will only be 2 or 3,000 per year, which is cheap and useful.

That's all for me"What kind of insurance is suitable for a child who has just reached the age of one"

When children buy insurance, they can consider four aspects: 1. Children's medical insurance; 2. Children's critical illness insurance; 3. Medical insurance; 4. Accident insurance.