What is the right insurance for children under the age of one?

What is the right insurance for children under the age of one?

It's good to see that you're insurance-conscious! Here, I know that in this industry, everyone has three sentences that say this: "brand in life", "Ping An talents" and "Xinhua products".

Now the products of insurance companies can meet your requirements, the key is what you value as an adult, such as the type of education and growth, or deposit and withdrawal, or one-time collection, etc.

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first for adults and then children, and adults have follow-up protection when they have children.

2) Buy insurance first to buy medical health, health can ensure that customers have everything.

3) Buying insurance is light on words and heavy on contracts, life insurance is generally a lifelong contract, and you can become lifelong happiness if you buy it, otherwise it will have a great impact.

4) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

In fact, there are still many things to pay attention to, be sure to pay attention to every detail, and the above hope can help you.

The child is less than one year old, and if you want to buy insurance for your child, you don't know which one is more suitable, and you must take into account the child's health. After all, protection is still the main thing at this age, and when I was confined before, I also had a friend who designed a baby insurance plan for my child. The price is less than 10,000 yuan, because the younger the child, the lower the insurance will be, and the protection will be more comprehensive.

Therefore, you should know more about buying insurance for your children, and if you don't understand it, you should write it down with a small notebook. After all, buying insurance is not like buying clothes, and there is no room for regret after buying. <>

Considering that infants and young children are more prone to accidents, such as hospitalization for serious illness**neonatal pneumonia, cold and fever, or newborn** falls, these are very common phenomena. It is recommended to lay out medical insurance for children, such as accident insurance, critical illness insurance and medical insurance. Generally, children's medical insurance is a kind of social insurance, and according to the state, it is also a kind of welfare and policy that benefits the people.

Newborns are inherently weak, and in many cases, illness is the time when it costs the most money. <>

Similar to children's jaundice pneumonia, if you are not careful, it may cost thousands of dollars, and if you buy a children's medical insurance for your child, you will be reimbursed a lot of expenses, which will reduce a lot of burden on the family. The best time to buy health insurance for children within 90 days of birth is because this part of the cost can be reimbursed and can also give the child greater protection. I hope that parents should learn more about insurance, and critical illness insurance is also a suitable type of insurance for children.

Once you have a minor illness, you may not be conscious. Once you suffer from leukemia or a major illness, critical illness insurance plays a big role. <>

Generally, the cost of critical illness insurance needs to be paid out of pocket, and it is very expensive, and it may cost tens of thousands of dollars at every turn. When a child is unfortunate enough to suffer from a serious illness, the loss of financial support may be reduced. If you do a good job of insurance in advance, then the insurance company will give a lot of protection.

At this time, it is more appropriate to buy children's medical insurance, because children under the age of one can easily get sick.

For a child less than one year old, it is best to buy him a critical illness insurance and medical insurance, because at this time the baby's immunity and resistance are relatively low, so they are easily tormented by diseases, and it is good to buy him such an insurance.

At the low point, you can buy a sick insurance for the baby, such as a cold and flu, and the second point can buy a savings insurance, which is very helpful for some of the child's future learning.

Hello, Sycamore Tree Insurance Network helps you solve the problem

Children under the age of one are relatively weak in resistance and are in an extremely vulnerable state in all aspects, and they need insurance to provide comprehensive and reliable protection. It is recommended to give priority to the allocation of medical and accident protection insurance, and you can consider purchasing critical illness insurance + medical insurance + accident insurance.

Critical illness insurance suggestions: Whole life critical illness insurance is the best choice, try to choose products with a wide range of coverage for high-incidence diseases, and the insurance amount should be sufficient, and the coverage amount of children's critical illness insurance should be between 100,000 and 300,000 yuan; Medical insurance suggestions: You can choose a medical insurance with comprehensive protection, and try to choose a medical insurance with a high reimbursement ratio, low deductible, and can be renewed; Accident insurance recommendations:

Accident insurance: You can choose to purchase a product that can cover both major and minor accidents, including comprehensive accident insurance that covers accidental injury, accidental medical treatment, accident allowance, etc.

If the economic conditions are good, you can consider the future education of your child and supplement an education fund. Prepare education funds for your children in advance to win at the starting line.

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

Buy critical illness insurance, accident insurance, medical insurance, I think there are these three insurances, less than one year old baby is young, the probability of suffering from critical illness is not high, so the premium is not high, do not spend much, there is a protection, in addition to the child at this time is active, if you don't pay attention to the accident, so accident insurance must be bought.

Hello! When buying insurance for children under the age of 1, they should consider medical insurance, accident insurance, critical illness insurance, and education insurance, which are all more suitable products. The specific plan is as follows:

1. Under normal circumstances, children less than 1 year old are prone to hospitalization due to minor colds and flu and other reasons, so community medical and commercial medical insurance are the first choice.

2. Children under the age of 1 do not have a strong sense of self-control, which can easily lead to small injuries and outpatient or hospitalization, so insurance for accidental injuries must also be considered.

3. Children's physical function is not perfect, and the ability to resist the erosion of diseases is weak, so children less than 1 year old have an increased risk of disease, especially major diseases.

4. The growing cost of education has also become a large expense for families, so more and more parents realize that saving enough education through insurance is also an important way.

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

Hello, for babies less than one year old, buy critical illness insurance plus hospitalization, because children are weaker and have a greater probability of disease than adults. At the same time, you can also consider buying annuity insurance for your baby. It is used to plan the children's future education funds, entrepreneurship funds and even wedding funds.

I hope my answer can help you, and I wish you a happy life Of course, if you have other questions, you can ask me, and I will answer them for you as soon as possible

Is it appropriate to buy products such as Fushou Lianlian, Xinli, Fulu Shuangzhi, Fortune Life, and Jixing Gaozhao for children?

Answer: As the most basic insurance package for children, it is also the most practical insurance package, which should be based on education fund + comprehensive accident hospitalization.

After having a sound insurance foundation, and then considering critical illness and pension insurance, it is like building a building.

Children's insurance must have high school and college education funds, additional entrepreneurship funds, and wedding funds!

The annual premium is about 10-15% of the annual income, which is reasonable!

The most basic (and most practical) insurance package for children, in a nutshell, a one-year-old baby example:

1. If you invest in education for your child, pay a total of 80,000 yuan in 15 years, then you can receive 60,000 yuan to your child's high school and college, and 30,000 yuan when you get married, and there are more than 60,000 yuan in the account at this time, if you receive a pension at the age of 60, you can receive 3,000 yuan per month, and a total of 700,000 yuan in 20 years! After the age of 80, there are still about 170,000 in the account! 560,000 yuan in the account at the age of 100, and an additional 50,000 yuan in the case of 100 years old or death!

8% of the sum insured will be refunded every 3 years for life!

2. In addition, there is a comprehensive accident hospitalization medical insurance! Reimbursement for all accidental hospitalizations and medical malpractice is included! There is no limit to the number of reimbursements, and the waiting period for hospitalization is only 30 days! The reimbursement rate is 80%!

Consider accident injury first, hospitalization allowance, accidental injury medical treatment, and then consider additional education allowance (to be returned when due).

Finally, consider the investment value-added type.

There are many types of suitable insurance, which can be solved by one or several combination insurances:

Families with a monthly income of less than 2,000 yuan: more than 100 yuan per month, basic security + accidental injury + accidental injury medical + hospitalization subsidy.

Suitable types of insurance: combination Xinli, Hongxin, Xinsheng, Xinxiang.

Families with a monthly income of 2000-5000 yuan:

About 250-1100 per month, dividends or universal + accidental injury + accidental injury medical + hospitalization subsidy + critical illness.

Suitable for insurance: Xinli Hongxin Xinsheng Xinxiang Jixing first choice: Century Tianjiao.

Families with a monthly income of more than 5k: the protection can reach 4.5 million, and the payment can be paid in one time or annually, with an annual premium greater than 10,002. Maximum unlimited.

Protection function: the first choice of Century Tianjiao + Xinxiang (Li) + Xinxiang (Li) Critical Illness Wealth Lifetime + Century Tianjiao.

Wealth for a lifetime + Xinxiang (benefit) + Xinxiang (benefit) major diseases.

Century Tianjiao + additional premium.

Jinyu life + century Tianjiao.

Jinyu Life + Xinxiang (Li) + Xinxiang (Li) Critical Illness.

The requirements for children's protection are not high, because after all, they are not the breadwinners of the family, and they are mainly from the perspective of savings, with additional accident insurance and medical insurance.

Hello! The baby is under the age of one, in view of the child's hyperactivity and weak immunity, first prepare for the child's accident and medical treatment, it is recommended to prepare card medical insurance for the child, which can meet your needs for hospitalization and medical treatment! Before considering an insurance plan for your child, you need to protect your adult adequately!

Moreover, planning and preparation for children needs to be taken early, and the preparation of too small premium budget will not achieve the purpose of education reserves, so be sure to pay attention to the additional exemption function! Buying insurance is buying protection! A plan suitable for you needs to be tailored on the basis of our detailed communication and understanding, please contact me!

Hello, buying insurance is to buy protection, purchase order: first adults, then children, first health accident medical treatment, then education pension investment. The breadwinner of the family is secured first.

It is recommended that before buying commercial insurance for children, first improve the most basic children's medical insurance and children's ** or rural cooperative medical care, and then you can buy a commercial medical insurance card as a supplement, the two can be used in combination to reimburse most of the medical expenses, and then there are excess funds to consider buying some critical illness, education funds, entrepreneurial wedding funds, etc., education funds are the best if they can be dedicated to special funds and with premium waiver functions, too little premium budget will not achieve the purpose of education reserves, and planning needs to be early, Specifically, you can budget according to your family's actual situation. Find a local ** person to help you plan, I hope I can help you too! References:

Case] Ping An New Growth Happy Card A & B (Applicable to 0-18 years old) Product Brochure [Case] Ping An New Growth Happy Card A - Baby Ping An Happy Growth Card (Applicable to 0-2 years old) [Case] 3-year-old girl's health accident medical insurance account [Case] 0-year-old boy's education fund, entrepreneurship fund, wedding fund reserve plan (2).

Hello: Children are the hope of parents, and parents should make a financial plan for their children as early as possible. I see that your request is to pay attention to the security aspect of education funds, I recommend two products one is high protection and high yield, 2 times the protection before death, double payment at maturity, survival fund rewards in the next year, dividends The other is a low investment, high protection product, the premium is very low, and the economic protection product, You can take a look at the blog and case references I uploaded:

Blog] Children's Education, Marriage, Pension Insurance (Xinli) [Blog] Low Investment, High Protection, Dividend-Paying Products [Case] Century Tianjiao [Case] More than 300 per month, children grow up healthily.

The baby's protection focuses on medical health, and the main products include: critical illness, and hospitalization medical insurance, limited by Document 95, it is recommended to have long-term protection of critical illness insurance (usually including life insurance protection, with a limit of 100,000 yuan), with consumer critical illness (no life insurance protection, the insured amount is not subject to the limit of 100,000), as well as hospitalization expense compensation, hospitalization fixed payment insurance, you can; If the current financial conditions allow, you can also prepare an education fund for the baby. Best wishes!

Hello! Regarding the child's insurance, I will communicate with you about the following points: 1. Whether the child has participated in the urban residents' medical insurance, the specific processing time is before the end of December each year, at the community labor security center where the child's household registration is located.

2. Additional basic medical content includes: outpatient medical treatment for minor accidents, reimbursement of inpatient medical expenses, and hospitalization subsidy. Generally, it is consumption-based, one-year insurance, and there are generally different reimbursement amounts to choose from.

There are various insurance companies, and there won't be much difference. 3. Critical illness insurance: It can be divided into phased protection and lifelong protection.

You can consider protecting your child until adulthood, or you can consider having your child secure for the rest of your life. It can be appropriately combined according to the premium budget. 4. Education funds:

Because when the child goes to college, the time span is still relatively long, and the risk factor during the period is greater. In addition to kindergarten, the tuition fee at the university level is the highest, so you can give your child a planned reserve from now on. There are many types of financial insurance, and the time to receive them varies, but if you are considering a special fund, the university education fund is the best choice.

Some financial insurance has a long investment cycle and a high return demonstration, but it cannot focus on solving the problem of education funds, so it is also inappropriate. 5. With the addition of exemption function, if the policyholder has a major personal risk such as total disability and death during the payment process, the remaining premiums can be exempted. In this way, you can avoid the problem of affecting your child's academic performance due to changes in the big family.

At the same time, it reduces the burden of raising the other half. 6. From the perspective of dividend types: there are cash dividends and incremental dividends.

Cash dividends are paid in cash each year, and you can choose to receive them, compound them with interest or offset the premiums, which is more straightforward for you. The incremental dividend is a compound interest distribution by increasing the sum insured every year, which increases the sum assured to effectively resist inflation and protect your long-term interests. 7. The choice of the company:

Because there are dividends, it is also very important to choose a professional company, which affects your long-term interests. (1) The nature of the company: the current domestic market is:

There are four types: state-owned, joint-stock system, joint venture, and foreign capital (only AIA). Among them, the state-owned ones are Chinese Life and Taiping Life; Joint-stock companies include Ping An, Xinhua, Taikang, Pacific, etc.; There are many joint ventures such as Sino-British, Haikang, Zhongyi and so on. China is a country with a strong policy orientation, and the nature of the company is different, and it will enjoy different national policy resources.

2) Profitability and market size: The average life insurance company can only achieve profitability after 7-8 years of operation, and many foreign-funded companies have not yet achieved profitability. In the past 10 years since China's accession to the WTO in 2001, the total market share of all domestic joint ventures should be about 5 percent.

Although life insurance companies are not allowed to go bankrupt, there were 5-6 shareholder changes in 2010, and the stability of the company needs to be considered.