I help my son buy an insurance policy for Xinxiang Life, 20,000 yuan a year, I don t know if it s go

Xueba talks about insurance, focusing on evaluating children's insurance! This year, the comparison table of 136 hot-selling children's critical illness insurance has been updated

Click to claim now, I believe it can help you.

How to buy insurance for your child

First, health insurance is essential, and so are children!

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, which is why medical insurance is called the first type of national insurance.

Second, the three types of commercial insurance, critical illness insurance + medical insurance + accident insurance, should be configured together after handling medical insurance.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). In addition, critical illness insurance can pay a large amount of cash directly after getting sick, which can not only solve the problem of medical expenses, but also solve many hidden problems in the future, such as the delay in studies caused by medical treatment and some 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.

Let's take a look at medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, a 0 deductible hospitalization medical insurance, with an insurance amount of 10,000 yuan, which is only 1,200 yuan per year, which is very practical.

Finally, let's look at accident insurance, children's accident insurance is very cheap, 200,000 yuan per year is only 60 or 70 yuan, which can protect children from disability, death and medical liability caused by accidents, which is particularly practical.

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

Don't give your child life insurance, and try not to consider critical illness insurance with both liabilities attached. 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 it has been clearly stated in the manuscript, I will not say too much here.

According to the above insurance ideas, if you are configuring regular protection for your child, you can configure it comprehensively for about 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is low and real.

That's all for me"I help my son buy an insurance policy for Xinxiang Life, 20,000 yuan a year, I don't know if it's good? "All of them, I hope it helps you! Hope!

I don't know if the hesitation period has passed.

Since you bought this Xinxiang Life, it means that you only listened to the explanation of the insurance salesman, and did not figure out the rights and obligations between you and the insurance company in the contract.

It is conceivable that when the insurance salesman explains this insurance to you, he must have depicted a variety of benefits for you: how much money is returned every year, how high the bonus will be, and the monthly compound interest after entering the gold account.

But in the insurance contract, it is difficult to find the text that corresponds to the salesman's narration.

Even if some seem related, it's still not clear.

For example, what is the nature of the annual return? Is it a fixed income?

Are the numbers in the cash value chart only related to surrender?

Is the premium you pay equivalent to the money you have deposited in the insurance company?

If you take it literally, it doesn't seem to be fully stated.

Because the language of the insurance contract is in a specific context.

To sum up, this insurance can't manage money. If you don't have a cooling-off period, go and retreat.

If the hesitation period has passed, the actual loss has already occurred.

I wanted to be more specific here. The impatience was too detailed, and the result was that it was deleted, and it was useless to dismantle it.

There is no way, to be honest, it will be deleted.