Is it good for children to buy insurance now, and is it good to buy insurance for children

If the family economy allows, of course, it is better to buy. After all, insurance is to use the small investment of the present to gamble on the big risks of the future. Therefore, if the family cannot afford the cost of a serious illness, it is better to buy it.

In order of purchase, you can buy accident insurance, medical insurance, and critical illness insurance first. In this way, the protection of the child is comprehensive. The reason why there is an order is to consider economic expenses.

If the economy is good, it's best to buy both. - Ten steps to read money.

Buy insurance for your child and avoid these pitfalls first!

When buying insurance for your child, you should pay attention to these three points:1It is recommended not to buy death insurance; 2.

It is not advisable to buy returnable insurance; 3.Don't just leave your child alone. The child is young, and the insurance premium is not expensive.

On the basis of social security, the child is fully equipped with accident, medical and critical illness insurance, which is about more than 1,000 per year.

Buying insurance for your child can be done for a few hundred dollars a year, but remember these three points! First, don't buy life insurance for your children; Second, don't buy a return type; Third, if you don't have enough budget, buy term critical illness insurance.

Three tips for buying insurance for your child: It is recommended not to buy insurance that specifically covers death, it is better to buy sickness and accident protection first; It is not advisable to buy returnable insurance; Don't just take care of your children, on the basis of social security, you can provide your children with accident, medical and critical illness insurance, and save some money to protect yourself.

If the economic situation is well-off, of course, it is best to be able to buy, although the current insurance, how to say that when you pay the money, it is very simple, but it is very troublesome when you say that there is a need, but after all, it is also a kind of protection.

It depends on what kind of purchase you're buying.

In fact, whether to buy or not depends on personal wishes.

Now most people don't buy it.

If you are a child, you can just pay attention to it.

Whether it is useful for children to buy insurance depends on the actual situation.

First, the advantages. 1. Buying insurance for your child can reduce the pressure of accidents:

According to a survey of more than 40,000 children nationwide conducted by relevant departments, 20% and 40% of children in China die every year due to accidental injuries, become disabled or undergo medical treatment**. One of the most serious social, economic and medical problems today is unintentional child injury. Children are active by nature and do not understand what danger is, so it is necessary to buy accident insurance for children.

2. Buying insurance for your child can reduce the medical burden

Nowadays, it is reported that there is a trend of younger and younger age for major diseases, and the medical expenses caused by major diseases have become a heavy burden for some families. Buying an insurance policy for your child can reasonably pass on the medical risks of your child and effectively protect your family's assets.

3. Buying insurance for children can reserve education**:

Someone calculated an account, from the birth of the child to the graduation of college to participate in the work will cost about 300,000 yuan and study-related expenses, such as learning piano, painting, balls, yard luck royal tutoring classes and other art categories and children's living expenses and price growth factors are not included, you can choose Chi Yan to choose those insurance varieties that increase year by year or have dividends to offset some basic inflation and also have the role of investment.

Second, disadvantages. If the budget is insufficient, you can supplement the social security, commercial insurance and other budgets before supplementing.

Test your anti-risk index, experts will interpret it for you for free!

If you want to ask whether it is useful to buy insurance for children, the answer given by the senior sister is yes, because insurance is a tool used to avoid economic risks, and children suffering from diseases or accidents will also cause a great financial burden to the family, so it is still useful to buy insurance for children.

I believe that friends should have paid attention to this data, the number of children in the age group of 0 to 14 years old is about 40,000 every year. That is to say, the biggest risk that children face in the process of growing up is to suffer from a critical illness, and the cost of a critical illness is generally about hundreds of thousands, which is a huge financial pressure for many ordinary families.

If at this time, the parents have already allocated an insurance plan for their children in advance, at least the insurance company can cover the medical expenses stipulated in the contract, and the waiter will help the family tide over the difficulties.

Here, the senior sister has also compiled an article for you on how to buy insurance for your child, remember to take a look: In-depth good article - how to buy insurance for your child? Netizens shouted: Why did you only see it now.

In addition, there is another advantage of buying insurance for children, that is, the premium will be lower than that of adults, and even the earlier you buy it, the lower the premium, and the greater the chance of underwriting.

You know, with the increasing age, the greater the probability of physical diseases, there are restrictions on wanting to insure some products, and there may even be refusal to insure the child, so it is still very useful and cost-effective to buy insurance for children on the whole.

If there are still friends who don't know much about the content of insurance knowledge, remember to take a look at this article in advance: super complete! Everything you need to know about insurance is here.

First of all, it is worth affirming that it is good to buy insurance for children.

Secondly, if you are buying insurance for your child, it is recommended that you consider configuring critical illness insurance, million medical insurance and accident insurance for your child based on the child's own protection needs and other personal actual conditions.

Considering that each child's situation is different, the following senior sister will tell you about the content of buying insurance for children.

The reason why it is recommended to buy critical illness insurance, million medical insurance and accident insurance for children is because for children, the main risks they need to face are illness and accidents.

Critical illness insurance and million medical insurance can well escort the health of children, while accident insurance can naturally provide certain financial protection for accidental injuries that children may suffer.

As far as health protection is concerned, I would like to provide a reference suggestion for parents: when applying for health insurance for their children, critical illness insurance and million medical insurance are the first choice; And if you have a sufficient insurance budget, it is recommended that both types of health insurance will be better configured.

As for why critical illness insurance and million medical insurance need to be configured, due to space, the senior sister has sorted out the detailed reasons to this article: After reading these contents of medical insurance, you will know why you need to buy critical illness insurance.

In terms of accident insurance, it is well known that children are lively by nature and do not know much about danger; At the same time, children lack sufficient self-protection ability and are relatively prone to accidents.

Accidents such as wrestling, drowning, and electric shock are almost all "hard-hit areas" for accidental injuries to children; The medical expenses caused by these accidental injuries have been added up many times, which is a lot of money.

The point is that the premium required to buy a short-term accident insurance for a child is not expensive, basically around 100; In comparison, this is quite a bargain.

Buy for adults first and then for children, and be sure to take out 10% of family income to buy insurance, which is a reasonable asset allocation to control risks.

Every child should have adequate basic protection for critical illness, accident, accidental medical treatment, etc.