If you want to buy insurance for your 3 year old daughter, do you have any products you can recommen

Generally, children are given savings and participating insurance and medical insurance.

Advantages of Savings Dividends:

1. Provide long-term and generous potential returns to help you accumulate capital and continue to accumulate wealth, which can be rich for more than 3 generations, 2. In addition to high returns, it also provides life protection.

3. Life insurance can provide appropriate assistance in the event of an unfortunate event4. Prepare for retirement.

Advantages of Medicare:

1. Guaranteed lifetime renewal.

2. Take care of your needs on the road in an all-round way 3. Provide you with reimbursement medical insurance.

4. Global guarantee.

5. You can use imported drugs from abroad.

6. You can go to a regular private hospital.

Hello! If you don't know your child's actual personal situation and protection needs, you can't clearly tell what insurance is suitable for your child, and you can only provide some general advice, I hope it can help you! You can take into account that the sub-district office handles the corresponding children's medical insurance or children's mutual aid, which is a social nature of children's insurance, and the specific situation is the case.

Xueba said that insurance, only help parents who want to buy the right insurance for their children! 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 child

This question has discouraged countless mothers and fathers who want to buy insurance for their babies, and today we will take a good look at what insurance should be bought for children! Pay attention to three key points:

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

Newborn medical insurance can be handled immediately after the child is registered, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, this is the basic security welfare given by the state, and it must be handled well.

Second, after buying medical insurance, you can fully configure critical illness insurance + medical insurance + accident insurance in commercial 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 first expense, it can also solve many subsequent hidden problems, such as taking care of sick children, the economic losses brought to the family, all need 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, the insurance amount of 10,000 yuan is only 1,200 yuan per year, which is not expensive and very useful.

Finally, it is necessary to configure an accident insurance, children's accident insurance is very cheap, 200,000 yuan per year, only sixty or seventy yuan, don't look at the cost is not much, but the protection is a lot. Accidental death, dismemberment, and accidental medical liability for children are all covered, cheap, and useful.

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

Don't assign life insurance to your child, and try not to choose critical illness insurance with both liabilities. I know the specific reasons in this articleHow to buy the most cost-effective child insurance? The most complete insurance strategy!

There has been a detailed introduction in , so I won't go into too much detail 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 fully configured, if you buy lifelong protection, it is only two or three thousand per year, which is very cost-effective.

That's all for me"If you want to buy insurance for your 3-year-old daughter, do you have any products you can recommend? "All of them, I hope it helps you! Hope!

Don't care about how to choose the insurance company and the insurance person itself, there is no operability, each says it is good, is it to see who says it well, and then the company and the insurance also have their own characteristics and suitable for the population, or to grasp it yourself to be truly reliable.

The scale of domestic insurance companies is large and small, but all of them are unified national supervision, and the degree of safety is the same; All of them are based on specific policy terms as the contractual principle, and there is no question of which claim is good and which is bad; Everyone is a unified insurance design background parameters, there is no good or bad insurance or special advantages, whether it is the rate or insurance content there are big and small differences, the purpose is to follow the insurance function in the general direction, and meet the detailed needs of different customers in the small direction, which is a reasonable choice of insurance.

We know that the basis of a suitable insurance is whether the insurance benefits of this type of insurance are the most effective and most directly aimed at the needs of customers (the purpose of buying insurance), the higher the degree of match, the higher the efficiency of this type of insurance, which is generally said to be cost-effective.

The key is to buy the right type of insurance, so it is especially recommended that you follow the scientific process of "clear needs - > preliminary selection - > negotiation and verification - > effective choice"!

First of all, clear needs, clear direction is the first step to buy insurance correctly, the so-called insurance needs, is why to buy insurance for children, what problems do you want to solve, or what wishes do you want to achieve? Maybe there are a lot of requirements and expectations, and it doesn't matter, but it's best to keep them in order;

Then it is to explain your approximate economic ability or approximate premium budget, this degree requires you to communicate with ** people, in fact, all your needs may not be able to be met, excellent insurance ** people are to consider comprehensively, make a choice of priorities, and most effectively realize your insurance needs through a reasonable combination of insurance types.

After the premise is clear, implement open plan collection and comparison operations to see which insurance type or combination can most effectively meet your needs, that is what you want! At present, this kind of collection and comparison, the simplest and most effective is to directly find a few local different companies of the first person, if you are worried about possible harassment or entanglement, now you can also online through the third-party insurance intermediary station insurance bidding, according to the set standard process, directly ** anonymous solicitation of different insurance companies of specific programs, comparison and selection.

In this way, there will basically be a more reasonable result!

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

Sycamore Tree Insurance Network helps you answer your questions

Hello, buying insurance is buying protection. You can choose the right type of insurance according to the protection needs of your 3-year-old child. 3-year-old children often have weak resistance and lack sufficient prevention ability and safety awareness for dangers in life, so they can purchase critical illness, medical insurance, and accident insurance to improve basic protection and fully protect children's health and accident risks.

First of all, critical illness insurance, the onset of critical illness is not uncommon in children, and it shows a trend of younger people. Costs are generally high, and once you get sick, the costs become a heavy burden on the family. With critical illness insurance, there is no need to worry about the cost, and the family will not be greatly affected.

Applying for children's critical illness insurance, with the same sum insured, the premium is also lower, and the underwriting is easier to pass, which is more cost-effective than re-applying for insurance when the child grows up.

The second is medical insurance, and the reimbursement of medical insurance is not limited by the social security catalog, which can effectively supplement the lack of social insurance. Children have weak resistance and are prone to illness, and they have medical insurance, so they can spend less money on hospitalization. Medical insurance** is also low, with a high sum insured, making it a good deal.

Accident risk can be encountered by everyone, and young children encounter accidents, basically have no ability to resist, and accidental risks cannot be prevented. Buy an accident insurance, the child can have a protection, and there is compensation for the accident, and the loss will not be in vain.

To sum up, a reasonable combination of "critical illness + medical + accident" insurance can fully protect the personal health risk of children with a small investment through insurance. In addition, after the basic protection of children is improved, they can also purchase education funds, which are earmarked for special purposes, and prepare children's education expenses in advance to ensure that the funds needed for children to obtain high-quality education in the future are not misappropriated.

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

Xueba talks about insurance, focusing on insurance evaluation! Recently, I have encountered a lot of questions about their children are still young, how to buy insurance, just take this opportunity for me to take a look, then I will talk about how our children should configure insurance, if you are interested, you can find out:

"Designed for 3-year-olds! Comparison Table of 136 Critical Illness Insurances in China

3-year-old children are not very old, and according to the data, the probability of suffering from a critical illness is also very small, so the cost of purchasing insurance products does not need to be too high, but the protection content is very good, and there are many choices. Let me talk about the general idea, mainly including:Critical illness insurance + accident insurance + medical insurance.

1.Critical illness insurance

Objectively speaking, the probability of children suffering from critical illnesses is not particularly high, but some critical illnesses are highly prevalent in children, so it is recommended to configure. In terms of premiums, you can get hundreds of thousands of insurance in the first year with only a few hundred yuan, which is indeed a very cost-effective choice. So what are the cost-effective critical illness insurance products worth buying?

Let's find out

"Designed for 3-year-olds! Top 10 Critical Illness Insurance Rankings in 2021

2.Accident insurance

Children are more lively, and friends play at the same time is easy to scratch and bruise, if you buy an accident insurance at this time, you can get a fee for the follow-up. And the children's accident insurance is really not very expensive, don't want 200 a year, buy it! So is there a comprehensive and cost-effective product?

Some! A must see

"Designed for 3-year-olds! 10 Best Accident Insurances to Buy

3.Medical insurance

Medical insurance is very cost-effective, which means that it is very low, but there is a lot of coverage, and the sum insured is also very high. Under normal circumstances, it is better to buy it together with critical illness insurance, which complements each other, and it mainly covers the expenses of hospitalization, drugs and other expenses, so is the premium high? It's not high, it's only more than 100 a year, and the corresponding reimbursement amount is as high as one million.

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.