If you want to buy insurance for your child, which type is more appropriate?

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

You can click on it to take a look.

What insurance should I buy for my child?

This problem has always been a problem that stumps tens of millions of parents, today let's take a good look at what insurance should be bought for children! Keep these three tips in mind:

First, children's medical insurance is essential!

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 it is necessary to handle the medical insurance for the child.

Second, on the premise of handling medical insurance, you can start to consider commercial insurance, and critical illness insurance + medical insurance + accident insurance needs to be given priority.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). Secondly, critical illness insurance is paid directly in cash after getting sick, which can not only solve the problem of medical expenses, but also solve many hidden problems caused by illness, such as falling behind due to illness, or some irreparable losses in subsequent life, which require a lot of cash to make up. Buying a pure protection critical illness insurance policy can be used to solve these problems.

In addition, medical insurance can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, as long as one or two hundred yuan per year, you can buy an insurance amount of 10,000 yuan, which is cost-effective and practical.

Finally, it is necessary to configure an accident insurance, children's accident insurance is very cheap, as long as it is sixty or seventy yuan a year, you can buy 200,000 yuan of protection, which can protect the child's accidental death, accidental disability and accidental medical liability, which is cost-effective and practical.

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

Don't choose life insurance for your child, and try not to attach both liabilities to critical illness insurance. 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 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 configure regular protection for your child, you can get it for 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is cost-effective and practical.

That's all for me"If you want to buy insurance for your child, which type is more appropriate?"All of them, I hope it helps you! Hope!

1. First of all, you are a very far-sighted parent.

2. It is more appropriate for children to buy insurance for major diseases, and buy the kind that pays in installments to protect their lives.

3. When the child is older, you can add accident insurance, cancer insurance, pension insurance, etc. to the child.

The insurance options for children include accident insurance, medical insurance, critical illness insurance, education insurance, etc., which need to be selected according to their own needs and pay attention to relevant details.

In the process of growing up, children will face many uncertain risks, insurance planning is generally a bright expression of love that parents want to give, and the selection of insurance framework can be referred to as follows.

1.Accident insurance: children grow up lively and active, bumps and bumps are inevitable, now many families like to have pets, cats and dogs are likely to encounter, so a few cents a day of accident insurance can solve the cost of reimbursement caused by these accidents, try to choose an accident insurance that can include accident medical treatment beyond the scope of social security reimbursement.

2.Medical insurance: children are young, weak immunity, if there are health problems need to seek medical expenses, the cost of medical treatment is also the family's expenses that have to be spent, generally including outpatient medical insurance ** slightly more expensive, pure hospitalization is relatively cheap, depending on their needs to choose.

3.Critical illness insurance, also known as health insurance, is mainly to solve the problem that people may suffer from critical illness in their lifetime (high cost, long illness, may cause a major blow to the family economy) insurance, once it meets the requirements will be directly paid to cash, this is basically the family just needs, the child is generally smaller, the physical condition is good, the underwriting obstacle is small, the underwriting probability is high, and the premium is cheaper, depending on the product benefits, company choice, protection period, different protection amounts, or according to their own budget comprehensive evaluation choice.

4.Education insurance, this is the child's growth in the determination of expenditure, in addition to the compulsory education stage of the early stage, education expenses need to be their own expenditure, children eugenics to be better educated, hope that the son will become a dragon and phoenix is the hope of every parent, so for the child as soon as possible to prepare a future education ** is not only the hope of the parents' life but also the motivation for the child's financial intelligence training and learning, the sooner you prepare, the easier, the more the better, depending on the family situation.

5.To tell the truth, family insurance planning is best for the whole family to plan, in a sense, parents are actually the biggest protection for children, only parents are safe and healthy, can continue to create wealth for children, children's lives are guaranteed, so the insurance configuration has a principle, under the condition of limited conditions, first protect adults and then children, but accidents, critical illness is just needed by adults and children, is a necessary insurance for life.

The above suggestions are for reference, love him to protect him thoroughly, and it is also a contract to accompany his lifelong love, and it is a good way to cultivate children's financial intelligence.

With the popularization of insurance knowledge, many parents will choose to buy insurance for their children, in order to give their children more protection. There are many insurance companies on the market, and the types of insurance are even more dazzling, and parents who don't understand insurance don't know how to buy insurance for their children. When we buy insurance for our children, we should first choose basic medical insurance, followed by accident insurance, and other insurance can be added appropriately if economic conditions allow, but it is not necessary

1. Critical illness insurance.

Critical illness insurance is particularly important for children, and many parents may not understand that their children are alive and kicking all day long, and they have nothing to do with critical illness, so why should they buy critical illness insurance for their children? The real meaning of insurance is to be in case of emergency, whether it can be used in the second, must be purchased for the child. Almost every moment, a child is diagnosed with a major disease, such as leukemia, and the cost is generally about 200,000 to 300,000 yuan, which ordinary families simply cannot afford.

Although the medical insurance can reimburse part of it, there is still a large part of the expenses to be paid by the parents. If you have purchased health insurance for your child before that, you can ask the insurance company to cover the rest of the cost in this case. Moreover, many medical insurance plans not only cover critical illnesses, but also moderate and mild illnesses, which are especially important for children.

2. Accidents. I believe everyone has heard the phrase "accidents are everywhere", especially the child is younger, he is more active and active, and his awareness of danger is poor, and he is easy to be injured. We can choose a short-term accident insurance for our children, which is cheap and relatively flexible.

Accident insurance and illness insurance should be the first choice for children, such as financial insurance, education insurance, and both-insurance insurance.

Accident insurance, medical insurance. Generally, people will buy these two insurances for their children when they are young, which is very useful for children.

It is more appropriate to buy medical insurance, no matter how old the child is, you can use medical insurance, and people will always get sick sometimes.

At this time, you can choose personal accident insurance, you can choose critical illness insurance, you can also choose health insurance and school insurance, which are very good, and the coverage is particularly complete.

In addition to buying children's medical insurance, parents are also very concerned about its commercial insurance products, especially when the child is sick, the parents have half a life, not only the soul is greatly traumatized, but the family economy is also the same, but how to avoid the potential risks of good children, is a or brother hungry knowledge, often many parents consult which is the best to buy children's insurance, in this issue we have sorted out the relevant knowledge, has returned home from the shirt for reference.

What is the best insurance for children?

1. Million Medical Insurance:

It costs a few hundred dollars a year, and the insurance is mainly to protect the risk of serious illnesses that cannot be tolerated, and minor illnesses and disasters can be fully borne by themselves, or reimbursed through medical insurance.

However, millions of medical insurance reimburse self-financed drugs, and the dust is high and cheap, and it can be compensated for critical illness and major accident risks, especially critical diseases, considering millions of medical insurance with higher anti-risk ability, so when it comes to which is the best way to buy children's insurance, million medical insurance should be the first choice.

2. Children's Critical Illness Insurance:

If the parents' conditions are more relaxed, they can consider children's critical illness insurance, and then consider the underwriting period on the premise of buying a full amount of insurance, and then consider the insurance period, and the children's critical illness insurance for 20 or 30 years is very cheap, four or five hundred yuan a year, mainly to prevent children from suffering from critical illnesses and bringing economic losses to the family.

Even if the budget is not much, such as choosing the 30-year version of PICC Health Blessing, a 0-year-old child can buy a critical illness insurance amount of 500,000 yuan for 400 yuan a year, and you can also pay in monthly installments, and in case of leukemia, you can directly pay 1 million yuan, which is very cost-effective.

3. Children's comprehensive accident insurance:

Children are generally more active, and small risks such as falls and injuries cannot be prevented, so children's accident insurance.

Children's insurance is mainly divided into educational children's insurance and protection children's insurance, specifically children's accident insurance, children's medical insurance, children's education insurance, etc.

Nowadays, many parents will use insurance savings to save money on education. However, the most important thing is to talk about education after children's insurance.

In terms of protection, accidents, critical illnesses, and medical treatment are considered more in children's insurance, one is that children are hyperactive, have poor safety awareness, and may be injured accidentally, and the other is that children are not fully developed and are prone to illness. For example, Sunshine's Seven-Color Sunshine Children's Critical Illness Insurance is to protect 20 kinds of critical diseases that children are prone to, and the insurance amount is 50,000 to 200,000 yuan. The Child Safety Guard Comprehensive Accident (including Rescue) Insurance also covers accidental dismemberment, accidental medical coverage and accidental emergency rescue services. Hope!

When buying insurance for children, critical illness insurance and accident insurance are the first choice, and finally education insurance and financial management insurance are considered。With the increasing awareness of insurance in modern parents, they will consider buying insurance for their children when they are 28 days old, but there are various insurances on the market, and they don't know how to choose. In fact, when we choose insurance, we should follow such a principle, buy basic insurance first, and then consider other insurance.

1. Critical illness insurance.

Once a child is diagnosed with a serious illness, the medical expenses are like running water, even if the child is reimbursed by medical insurance, the high medical expenses are not affordable by ordinary families. Therefore, it has become a top priority to buy a critical illness insurance for your child. Critical illness insurance can get a certain amount of compensation to pay for the child's medical expenses after the child is diagnosed with a critical illness, so that the child can get a better **.

In fact, the purpose of buying insurance is to be able to pass on the risk by the insurance company after an accident, so insurance usually seems to be dispensable, but in fact, it can be used as the protection behind the child, and I believe that no parent wants to really use critical illness insurance.

2. Accident insurance.

Children are more active and do not have a strong perception of danger, and may often make some more dangerous actions, so it is very important to buy an accident insurance for children. Once the child has an accident, the insurance company can get compensation, but we should pay extra attention to the deductible rules and the proportion of compensation when purchasing accident insurance. Accident insurance is generally divided into additional insurance for main insurance and accident insurance in the form of annual card, which you can choose according to your needs.

3. Financial insurance, education insurance.

For example, some parents want to set up an account for their children to save money, in this case, they can buy financial insurance. When buying insurance, you should still focus on basic insurance, and then consider these unimportant insurances after you have basic insurance.

You can buy school insurance for your child, you can also buy accident insurance, you can also buy illness insurance, you can also buy medical insurance, you can also buy health insurance, and you can also buy education insurance.

At this time, you can choose personal accident insurance, you can also choose critical illness insurance after you do Zheng Ran's smile, and at the same time, Chun Song can choose Ping An insurance, and then you can also buy Xueping insurance.

Medical insurance should be taken out for your child, as medical insurance can reimburse your child for medical expenses no matter what happens.

It is appropriate to buy children's accident insurance, children's medical insurance, children's critical illness insurance, and children's education fund insurance for childrenThe function of insurance is to protect, and parents need to follow the principle of "prioritization" when choosing the first insurance product for their children. When insuring children, you can pay attention to protection first and then education, first insure the risks that are likely to occur in childhood, and then insure the risks that are "far away" from the child. Here's what you know:

1. Children's accident insurance

When purchasing children's accident insurance, you can choose a comprehensive accident insurance product for your child, and you should pay special attention to some accidents that occur frequently in children, such as poisoning, falling, burns, etc.

2. Children's medical insurance

You should choose a product with a short waiting period and low deductible, and you can choose a product that can be both outpatient and inpatient when applying for insurance.

3. Children's critical illness insurance

This kind of insurance for serious illnesses mainly depends on what major diseases can be covered, especially some common serious diseases in children, such as leukemia, encephalitis, etc., which should be included in the insurance liability.

4. Children's education fund insurance

After improving the above personal health protection, parents can apply for children's education insurance for their children, and pay attention to choosing products with premium waiver clauses when applying for insurance.