What insurance is suitable for newborn children?

It is not easy to raise a child, and the cost of health care, education, etc., are all large expenses. Birth insurance is essential, if the parents are financially able. As the cost of raising a child increases, what insurance is suitable for a newborn baby?

First of all, parents should buy some children's mutual aid insurance, that is, adult medical insurance, which is currently the cheapest children's medical insurance, and it is also a kind of national medical welfare for children, with a premium of dozens of yuan a year.

Secondly, the risk of accidents is greater for children, so you can consider purchasing accident insurance, medical insurance and term insurance for your children. Generally speaking, for accidental disability or death of a child, the benefit amount cannot exceed $100,000.

Again, newborns have low resistance and are easy to get sick, and if they accidentally catch a cold, they will have to be hospitalized for high fever, bronchitis, pneumonia, encephalitis, cough, hand, foot and mouth and other diseases. No one of them is missing.

Finally, if the family's economic conditions are better, the child's education and pension can be taken into account, and it is best to add an exemption function, so that even if there is anything unexpected for the adult, the child can receive it at a certain age, and the child's education will not be interrupted.

Newborn children are recommended to buy health insurance, universal insurance, and take away dividends.

After 28 days, children can purchase community cooperative medical insurance first, and then purchase it. Critical illness and accident for commercial insurance.

Critical illness insurance with accidental medical treatment, oncology.

The insurance suitable for newborns includes children's medical insurance, critical illness insurance, accident insurance and medical insurance, but it should be noted that it is usually 28 or 30 days old to be insured normally.

1. Children's medical insurance: as a basic medical insurance, it reimburses the cost of children's medical treatment and reduces the pressure of medical expenses.

2. Critical illness insurance: Newborns are more susceptible to diseases due to their physical development, so it is necessary to purchase critical illness insurance, especially children's critical illness insurance. ”

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 an expression of love that parents want to give, and the choice 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 in cash, this is basically the family just needs, the child is generally smaller, the physical condition is good, the underwriting barrier 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, education expenses need to be paid by themselves, children eugenics to be more preferential, 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 quotient cultivation and learning, the earlier the preparation, the easier, the more the cost, 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.

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.