What insurance should a 3 year old girl buy for her?

In-depth article - How to buy insurance for children? Netizens shouted: Why did you only see it now.

A 3-year-old girl can be equipped with critical illness insurance, medical insurance, and accident insurance.

Compared with adults, the resistance of 3-year-old girls is not so good, so we must first pay attention to the disease risk of 3-year-old girls, critical illness insurance and medical insurance need to be configured.

In fact, some special and critical diseases are threatening our children's health. If you are unfortunate enough to suffer from such diseases, the cost of **and** often brings a big blow to the family's finances.

Critical illness insurance is a benefit-based insurance, if the insured unfortunately suffers from a related illness and meets the claim conditions agreed in the contract, the insurance company will pay the insurance money according to the agreement, and the insurance money can relieve a lot of financial pressure for the insured and his family.

It should be noted that critical illness insurance only covers the illnesses agreed in the terms. Therefore, the senior sister suggests that you can configure medical insurance for 3-year-old girls, and the protection will be more adequate.

The medical insurance suitable for children is generally a million medical insurance and a small medical insurance. Million medical insurance reimburses high expenses, and small medical insurance reimburses the expenses of minor illnesses such as colds and fevers, and at the same time, the reimbursement scope is more comprehensive.

In addition, children are lively and active by nature, but lack the awareness and ability of self-protection, so the accident risk of a 3-year-old girl also needs to be paid attention to! Accident insurance needs to be configured!

When choosing accident insurance, you can choose an accident insurance product that includes accidental death, accidental dismemberment and accidental medical protection as much as possible.

Updated every Monday! Which insurance is suitable for babies aged 0-6 years?

A 3-year-old girl should buy protection insurance for her, such as critical illness insurance, million medical insurance, and accident insurance.

The senior sister has a reminder that before buying insurance for their children, parents must first do a good job of personal protection.

After all, in the event of a misfortune for the parents, the child's protection may also be invalidated.

Hello: It is recommended to improve the most basic medical insurance or rural cooperative medical care first. Dozens of dollars a year, which is more practical.

Commercial insurance, critical illness insurance, accident insurance, and hospitalization medical insurance are all must-haves. For example: 0-2 years old, 360 yuan a year, 3-18 years old, 180 yuan a year, you can have 30,000 yuan for major illness, 100,000 yuan for hospitalization, 5,000 yuan for accidental medical treatment, and 50,000 yuan for accidental death and accidental disability and disease.

Most of the medical problems can be solved. Adults are the best insurance for children, don't shout and ignore the adult's own insurance, especially the economic pillar of the family can be bought first, such as critical illness insurance, accident insurance, term life insurance, low premiums and high protection, these are more meaningful than simply buying education funds with insignificant premium waivers. If you have extra funds, you can consider buying some education funds, entrepreneurship and marriage funds, and do what you can, so as not to make the financial burden too heavy and affect the quality of daily life.

For specific planning and purchase, you can contact the local ** people. Reference: Ping An New Growth Happy Card A and B (0 - Ping An New Growth Happy Card A - Baby Ping An 3-year-old Girl's Health Accident Medical Security Account, 0-year-old Boy's Education Fund, Entrepreneurship Fund Reserve.

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

Hello! When buying insurance for a three-year-old child, you should take into account his actual needs. Generally speaking, accident insurance, health insurance, and education insurance are more suitable products. The specific description is as follows:

1. Three-year-old children are still young and active, and the risk of accidents is relatively large, so it is recommended to give priority to accident insurance. According to the regulations of the Insurance Regulatory Commission of China, the maximum compensation for the accidental death of a three-year-old child is 200,000 yuan, and the insurance company will not pay additional compensation for the excess. In addition, some stumbles are inevitable in the process of children's growth, so parents are advised to give priority to products with accident outpatient protection when applying for insurance.

2. Three-year-old children have weak constitution, poor resistance, and are easily attacked by diseases, so it is necessary to purchase appropriate health insurance, and it is recommended to give priority to products with hospitalization medical insurance to reduce the financial pressure caused by medical expenses. In addition, the current trend of critical illness is showing a trend of returning to the trend of younger age, so it is also necessary to purchase critical illness insurance for children. When applying for insurance, you should pay attention to the protection of special diseases of children, such as children's leukemia, hand, foot and mouth disease, etc.

3. After the basic protection of accidents and health is perfected, if the family's financial conditions allow it, you can purchase a suitable pure education insurance for children for three-year-old children.

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"