The baby is 4 years old, and I want to buy her an insurance policy, but I don t know how to buy it

Xueba said insurance, teach you to buy insurance for your children and not be pitted! This year, the comparison table of 136 best-selling children's critical illness insurance has been updated

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How to buy insurance for your child

This question has discouraged countless mothers and fathers who want to buy insurance for their babies, and today the senior sister will study with you how to buy insurance for children so that they will not be pitted! Keep these three points in mind:

First, the country's medical insurance must be handled!

After the child is born, as long as the household registration is registered, you can immediately apply for neonatal medical insurance (urban and rural residents' medical insurance), whether it is a major illness or a minor illness, basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, if you plan to buy commercial insurance, critical illness insurance + medical insurance + accident insurance, this is my advice to you.

First of all, critical illness insurance, which provides a relatively long period of protection. Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to solving the problem of medical expenses, it can also solve many follow-up hidden problems, such as children who delay their studies because of illness, and even some subsequent life losses, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. 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 1,200 yuan, you can buy an insurance amount of 10,000 yuan, which is cost-effective and practical.

Finally, you need to configure an accident insurance, the child's accident insurance is very cheap, 200,000 yuan per year, only sixty or seventy yuan, you don't see that the money is not much, but in fact, the protection is quite extensive, accidental death, disability, accidental medical liability are within the scope of protection, cost-effective.

Third, don't buy both types of insurance for your child!

Don't buy life insurance for your children, and try not to choose critical illness insurance with both. I know the specific reasons in this articleHow to buy the most cost-effective child insurance? The most complete 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, 1000 yuan per year can be fully configured, if you buy lifelong protection, it is only two or three thousand per year, cost-effective and practical.

That's all for me"The baby is 4 years old, and I want to buy her an insurance policy, but I don't know how to buy it"All of them, I hope it helps you! Hope!

Xueba talks about insurance, focusing on insurance evaluation! Recently, it seems that the question of how to buy insurance for children is often raised, let's talk about it together Based on the fact that everyone is very concerned about the problem of children buying insurance, I will write an article to introduce it, I have written an article before, listing the popular children's critical illness insurance, if you have time, you can take a closer look, I believe you can have a general understanding of children's productsDesigned for 4-year-olds! Comparison Table of 136 Popular Critical Illness Insurance in China

As the risk of illness is relatively small for 4-year-olds, the premium for insurance is the lowest for all ages, and there are many options. Let me talk about the general idea, mainly including:Critical illness insurance + accident insurance + medical insurance

1.Critical illness insurance

Children are less likely to suffer from critical illnesses than other age groups, and in fact, there are many specific critical illnesses that children are more likely to suffer from, so you can buy a copy in case you need it. So how much do you have to pay? It's not high, a few hundred a year, and there will be hundreds of thousands of insurance amounts, and the insurance leverage is super high.

So what are the cost-effective critical illness insurance products worth buying? If you are interested, you can take a lookDesigned for 4-year-olds! 2020 Top 10 [Cheap and High-quality] Children's Critical Illness Insurance".

2.Accident insurance

Children are active by nature and are prone to fall and bruise while playing, so buy an accident insurance that can get a fee from the insurance company after this situation occurs. And it's really not expensive for children to buy accident insurance, don't want 200 a year, buy it! So is there a comprehensive and cost-effective product?

Some! Don't miss itDesigned for 4-year-olds! The 10 most worthwhile children's accident insurance points!

3.Medical insurance

Medical insurance is a cost-effective type of insurance, insurance leverage is super high, ** low, high amount of insurance, in general, and critical illness insurance to buy together, complement each other better, it mainly protects hospitalization, drugs and other expenses, so medical insurance is expensive? More than 100 a year, the vast majority of families can afford it, but the reimbursement amount is as high as one million, so it is recommended to be configured. Hope!

Hello! It is undoubtedly wise to pay attention to the growth of your children and choose to express it in the way of insurance, your family has a monthly balance of about 6,000 yuan in addition to the mortgage, so using this part of the funds to plan the child protection plan is a rational consumption behavior, and then provide more comprehensive protection for the child's growth journey.

Hello, what insurance should my son buy for him when he is four years old? If you want to buy insurance, it is best to check with the insurance company to inquire about the plan there. There are a lot of varieties, you see which one is the best one to keep the one you want, thank you.