What kind of insurance should I buy for my baby, I want to buy education insurance

0-year-old babies are usually fragile and vulnerable to external injuries or illnesses due to their recent births, so the right insurance for the baby can resist the damage caused by the risk and ensure the healthy growth of the baby. However, there are various types of insurance on the market, which will increase the difficulty of choosing. According to the 8 years of experience of the senior sister, the senior sister suggested that parents can configure critical illness insurance, medical insurance, accident insurance, education annuity insurance and other types of insurance for their babies.

Parents who don't know what insurance is suitable for their baby can take a look at this article:

What insurance is good for 0-year-old babies?

If you sort critical illness insurance, medical insurance, accident insurance, and education annuity insurance, the senior sister will recommend that you give priority to buying critical illness insurance for your baby. Because after the baby suffers from a serious illness, the cost of ** and ** is relatively high, generally reaching 200,000-300,000, which will cost a lot of parents' income and even affect the living standard of the family. If the baby is covered by critical illness insurance, it will reduce the financial burden on the parents.

Top 10 ultra-cost-effective children's critical illness insurance, don't miss this treasure guide!

Although the above content of the senior sister said what insurance is suitable for the baby, the parents who asked the question are more inclined to education annuity insurance. Educational annuity insurance refers to the type of insurance that provides corresponding insurance benefits for children at different stages of education. In addition to covering the death of children and teenagers, general education annuity insurance will also provide education funds for starting a family, junior high school, high school and university education to ensure that children can be protected smoothly at all stages of life.

Parents must read: Is it necessary to buy education insurance? How to choose the right product?

That's all there is to it! Hope that helps!

That's all there is to it! Hope that helps!

When buying insurance for the baby, when the budget is limited, the senior sister still recommends that parents give priority to the protection insurance such as critical illness insurance, medical insurance and accident insurance for their children.

If the budget is sufficient, you can purchase education annuity insurance on the basis of configuring protection insurance to reserve funds for the growth of your baby. If eligible, the education annuity insurance will pay the relevant insurance benefits at the agreed payment time (generally the time period when the baby goes to school).

However, education annuity insurance is not suitable for all people. This article has a comprehensive analysis of this problem, you may wish to take a look: Parents must read: Is it necessary to buy education insurance? How to choose the right product?

Hello! In the process of growing up, children will inevitably have some accidents, which is not conducive to the healthy growth of children. Therefore, it is important that you plan for your child's insurance in a timely manner.

Many parents pay more and more attention to their children's education, in order not to let their children lose at the starting line, but also want to care more about their children, so many parents will buy education insurance for their children. Don't worry, the best education insurance products on the market are ready:The 8 education fund reviews with the highest yield in 2020!

However, parents must understand when buying education insurance for their childrenProtect before you manage your financesThe truth. If the personal safety of children is not fully guaranteed, then what kind of education is there to talk about? Therefore, parents must be in the child'sPersonal safety is adequately guaranteedand then consider purchasing education insurance.

Here it is recommended that everyone should be for childrenEquipped with children's medical insurance, critical illness insurance, medical insurance and accident insuranceThese are protection-type insurances. Let's talk about it in detail!

Children's medical insurance is for underage children suffering from some diseases covered by insurance, and provides protection for hospitalization, **, surgery and other medical expenses, parents must purchase this for their childrenBasic Coverage

However, China's basic medical system, the status of medical security for children is basically the sameVery lowReimbursement coverage is very limited, for example, reimbursement is availableMinimum and capped linesThe specific drugs that need to be used in the process cannot be reimbursed and need to be paid for by yourself. Therefore, it is also necessary to purchase other commercial insurance to strengthen protection.

Once a child has a major illness, it will have a great impact on the whole family, especially the financial burden, and the medical costs are highHundreds of thousands, or even millionsAt the same time, parents need to devote themselves to taking care of their children, have no time to work, and have lost their family income. Such a financial burden is difficult for the average family to bear.

Therefore, critical illness insurance must be purchased, and critical illness insurance for children isVery cheapEven if you are unfortunate enough to fall ill, parents do not have to bear too much pressure and can make up for the loss of income. Critical illness insurance for kids is ready:Top 10 cost-effective children's critical illness insurance in 2020

Medical insurance is mainly divided into million medical insurance and small medical insuranceIt is recommended that you purchase a small amount of medical insurance for your child。Although the reimbursement of medical insurance is up to millions, it is necessaryMore than 10,000 yuanDeductibles can be reimbursed, and children often have fever, colds and other minor diseases, the use rate of small medical insurance will be higher, but this does not mean that millions of medical insurance is useless. If the child unfortunately has a serious illness and needs a large amount of medical expensesMillions of medical insurance can send carbon in the snowThe top 10 million medical insurance rankings are newly released!

The child has no ability to protect himself and cannot distinguish the size of the danger, yesPeople with a high incidence of accidental injuries。Parents are afraid that their children will be harmed, so they should choose a suitable accident insurance.

When buying accident insurance, the death sum insured should not be the focus, but should be morePay attention to deductibles, reimbursement coverage and reimbursement ratios

Education insurance can provide protection for children's schooling and prevent the family's financial impact on children's education. Daddy also wrote an article about the education fund before, you can click here to take a look. "If you want to give your child the best, are you ready for the education fund?" 》

This is based on your family situation and your child's situation, our family mainly wants to give the child more protection in terms of education, to ensure that our children's primary school, junior high school and high school education funds are enough, so the final choice is Zhonghong's Hongrui baby premium version of the annuity insurance product plan, because my child was born to buy, the 5th insurance contract anniversary, that is, almost to the age of five years will be paid Hongrui baby double the basic amount of survival annuity every year, At the anniversary of the insurance contract when the insured is 15-17 years old, that is, it is four times every year in high school, and nine times in college when he is 18 to 21 years old, covering all stages, and there are dividends, so I feel very relieved to buy this.

Hello! At present, there are many education insurance products on the market, they are not good or bad, you need to choose the right product according to the family's financial situation, your son's situation and other factors, and the best one for your son is the best. As far as the current market is concerned, I Growth Children's Education Fund Protection Plan, Sunshine Journey Education Fund Protection Plan (Dividend), and Baby Sailing Children's Education Annuity Insurance C are all very good education insurance, which can not only provide education protection for your children, but also add protection such as critical illness, accident or death, so as to fully escort the growth of children.

It's not difficult to buy insurance for your child, you can get it for 1,000 yuan! But unfortunately, more than 80% of parents either buy the wrong or expensive money. I stayed up late last night to compare and sort out all the popular children's insurance on the market at present, and summarized it:

2020 Top 10 [Cheap and High-quality] Child Insurance Solutions

The question is, what kind of insurance should I buy for my child? **Affordability is one thing, complete protection is the most important thing! Otherwise, it will be spent in vain.

Many parents will want to buy education insurance for their children, but they don't know where to start. The 8 education fund reviews with the highest yield in 2020!

First, give priority to children's medical insurance

Children's medical insurance is the country's welfare insurance, which is cheap, has no insurance threshold, and can be unconditionally underwritten regardless of congenital diseases or past medical history, which cannot be replaced by commercial insurance. It is a basic guarantee and must buy!

Second, skip the basic protection and buy wealth management insurance

Many people, family income is average, but skip the necessary illness insurance, medical insurance, but value the words "dividends" and "money" directly buy financial insurance, many parents have bought education funds for their children.

In a word, the child's education fund should be considered after taking good protection measures, and never put the cart before the horse.

The above is my experience in buying insurance for my children over the years, and I hope it can help all parents.

Xueba said insurance, teach you to buy insurance for your children and not be pitted! This year, the comparison table of 136 hot-selling critical illness insurance for children aged 0-18 has been updated, you can click to take a look, which can help you choose your child's insurance.

How to buy insurance for your childFirst, you must apply for the country's medical insurance!

Newborn medical insurance can be handled immediately after the child is registered, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so it is necessary to handle the medical insurance for the child.

Second, in addition to the national medical insurance, some necessary commercial insurance should also be considered, and critical illness insurance + medical insurance + accident insurance is preferred.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to solving the best expenses, it can also solve a lot of additional expenses caused by illness, such as taking care of sick children, the economic losses brought to the family, all need a lot of cash to make up. Buying a pure protection critical illness insurance can just solve these problems in the future.

As for medical insurance, it can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, with an annual premium of one or two hundred yuan, you can buy an insurance amount of 10,000 yuan, which is cheap and useful.

Finally, it is necessary to configure an accident insurance, the child's accident insurance is particularly cheap, with an annual protection of 200,000 yuan, only sixty or seventy yuan, don't look at the cost is not much, but the protection is a lot. Accidental death, disability and accidental medical liability of the child can be covered, and it is very cost-effective.

Third, is there any insurance that I should not buy for my child?

Don't give your child life insurance, and try not to consider critical illness insurance with both liabilities attached. The specific reasons I know are in this answerDon't buy either type of insurance for your child! Comprehensive insurance strategy!

has been introduced in detail, because it is very detailed in the manuscript, so I will not waste time here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, you can get it for about 1,000 yuan per year, if you buy lifelong protection, it is only two or three thousand per year, which is not expensive and very useful.

That's all for me"What is the best education insurance for your child?"

There is no such thing as a good or bad educational insurance, but whether it is suitable or not.

The biggest role of education insurance is compulsory savings, because there are many parents who have a strong desire to consume, belong to the moonlight family, or the family's investment channels are relatively scarce, and they don't know how to manage their finances, so in this case, education insurance is more suitable, because children's education will always be faced in the future, and preparing in advance will reduce the economic burden of education in the future.

However, the income of education insurance will not be very high, it is relatively stable and safe, so if you are considering high returns, then it is recommended not to invest in education insurance.

Finally, the core role of insurance is protection, and the protection function is unique to insurance, while the function of financial management is possessed by many other financial management tools, so since you are considering buying insurance, it is recommended to give priority to protection insurance.

Because accidents and illnesses are two unpredictable risks, and if they happen, they will have a greater impact on the family's finances (especially disability and critical illness), so it is recommended to insure accident insurance and health insurance for children, which is the necessary insurance for children.

Children's early education is very important, and children's early education is also a potential education, which is why many parents do not understand that early education is useless. The incubation time of early education is a bit long, and the effect is not very obvious. This is another reason why parents do not educate their children in early childhood.

Arnold answered:

Hello! There are two things you need to pay attention to when buying education insurance for your child:

1 Is the payment period of the education insurance you purchased during the child's education? Because many education insurance products on the market now have the agreed payment date of education funds for 3 years of high school and 4 years of college, and the latest is not more than 25 years old. Many parents want to buy education insurance for their children, but they have insured their children with lifelong financial insurance, turning the education fund into a child's pension;

2 It is recommended to apply for additional insurance that is exempt from insurance at the same time as the insurance application. When an adult dies, becomes disabled or is seriously ill due to an accident, the insurance company will waive the premiums that have not yet been paid, and the benefits are still the same, which can prevent adults from having accidents and affecting the child's future education.