What insurance is more cost effective for 12 year olds?

For 12-year-old children, it is enough to buy critical illness insurance + million medical insurance + accident insurance, and there is no need to buy life insurance for children, after all, 12-year-old children have not yet taken on the main economic ** of the family, so there is no need to buy life insurance.

12-13 years old] which insurance is suitable for children.

So how do you buy insurance for a 12-year-old? Let the senior sister tell everyone!

1.Critical illness insurance.

First of all, critical illness insurance can help us solve the ** expense + lost work expenses + wasted time in youth + other savings occupied due to serious illness, whether it is for children or adults, critical illness insurance is very necessary, after all, people are sick regardless of age!

And for the type of critical illness insurance, the younger the insurance age, the cheaper the premium, so how much insurance should I buy? This should be considered according to the financial strength of the family, after all, the multi-claim critical illness insurance 50w sum insured A single claim 50w sum insured A single claim 30w sum insured.

Top 10 Popular Critical Illness Insurance Points Worth Buying!

2.Million Medical Insurance.

The biggest role of million medical insurance is that it can reimburse what social medical insurance cannot reimburse, such as: targeted drugs, out-of-hospital special drugs, overseas medical treatment, etc., and many value-added services (such as advance payment services, green channels, etc.) are also not available in social medical insurance, and the cost performance can be said to be very high!

The latest top 10 million medical insurance rankings are newly released!

3.Accident insurance.

The existence of accident insurance is to help us reduce the economic losses caused by accidents, especially for a 12-year-old child, who is full of uncertainties in the process of children's growth, and a reliable accident insurance can help families resist the economic risks caused by accidents.

It is more cost-effective to purchase children's critical illness, medical and accident insurance for 12-year-olds. The child's immune system is not perfect enough, it is easy to be attacked by diseases, and the 12-year-old child is at an active age, and there are accidents such as drowning and scalding. In addition, the senior sister also took stock of some cost-effective tips for buying insurance, interested partners can take a look:

Which insurance is better, how to buy a good deal, and teach you to avoid these pitfalls of insurance.

Hello, for 12-year-old children, to buy insurance, it is recommended to first improve the protection of accidental injury and health care, and you can buy accident insurance and health insurance for your children. You can compare and choose the right type of insurance according to the actual situation of your children and family, or you can refer to this link: (How to buy children's insurance).

Is it necessary for my child to have insurance? One article to solve all your doubts!

If you want to buy insurance for your 12-year-old child, the senior sister Jianlu Jian Jian Jian Jian Jian Jian Jian

12-year-olds are in a lively and active age group, enjoying chasing, playing and playing various sports. In the process, 12-year-olds tend to be at increased risk of accidental injury. Accident insurance, on the other hand, transfers the financial risk caused by the unfortunate accidental injury of the insured.

Therefore, accident insurance is an insurance that needs to be configured for 12-year-old children.

In addition to the risk of accidents, the risk of illness is also a risk that 12-year-olds need to be aware of, and 12-year-olds are also at risk of serious illness. In the unfortunate event of a major illness, the cost of the illness will often be a heavy financial blow to the family. Therefore, 12-year-old children also need to be equipped with critical illness insurance and million medical insurance.

Critical illness insurance is a benefit-based insurance. Equipped with critical illness insurance, if the insured unfortunately suffers from related diseases, if eligible, the insurance company will pay the corresponding insurance benefits according to the agreement.

Top 10 [cheap and high-quality] children's critical illness insurance in 2022

Million Medical Insurance is a reimbursement type insurance that can reimburse the high cost of hospital visits on a pro-rata basis if eligible.

Critical illness insurance and million medical insurance are configured together, and the health protection of a 12-year-old child will be more adequate!

Less than 1000 yuan, get the child's insurance! Hope.

Designed for 12-year-olds! Comparison Table of 136 Popular Critical Illness Insurance in China

When children are 12 years old, they are full of curiosity about the world, and many of them start to go to school to go to the world outside their homes.

At this time, we should consider this when insuring our children:Children's medical insurance + critical illness insurance + medical insurance + accident insurance

1. Children's medical insurance

Children's health insurance is a national welfare insurance, and it is best to purchase children's insurance immediately after birth, as soon as the first month after entering the household. You can get the most basic medical security provided by the state. Children's medical insurance can be covered until the child is 16 years old, and the premium is cheap, so remember to buy it.

2. Critical illness insurance

Critical illness insurance is mainly to avoid the risk of having a child who is seriously ill but the family has no money for treatment. If the budget is not large, critical illness insurance with 4 or 500 yuan a year but 500,000 sum insured is worth considering. Critical illness insurance abounds on the market, but there are only a handful of suitable for children to be insured

Designed for 12-year-olds! Top 10 [Cheap and High-quality] Children's Critical Illness Insurance in 2020".

3. Medical insurance

Some people often think of medical insurance and social health insurance as similar things, and think that social health insurance is enough. Unfortunately, if you have a serious illness, there are restrictions on the reimbursement ratio of social medical insurance, and many good drugs and best means do not belong to its reimbursement scope. Therefore, medical insurance can be regarded as a "supplement" to children's medical insurance to reimburse the part that is not covered by medical insurance.

4. Accident insurance

The insurance company will pay us when we have died, become disabled, and have medical expenses due to an accident. Unintentional injuries are the number one cause of death among children under the age of 14 in our country, according to data from the National Organization for Child Safety. Injuries such as falls, burns, animal bites, sharp injuries, etc., are common causes of accidental injuries in children.

Therefore, when purchasing children's accident insurance, there are some places that you should pay special attention to and give priority to accident insurance with sufficient accidental medical protection. A good accident insurance must be as low as possible with a deductible, and the higher the reimbursement ratio, the better.

The premium of accident insurance will not increase because you get older, so when you buy accident insurance, you can consider buying a one-year one. There are too many accident insurance on the market, to avoid you stepping on the pit, I picked out the most suitable one:Designed for 12-year-olds!

Top 10 Best Children's Accident Insurance to Buy in 2020

Xueba said insurance, only recommend the most suitable child insurance! This year, the comparison table of 136 hot-selling juvenile critical illness insurance has been updated, you can click on it to take a look, I hope it can help you.

How to buy insurance for your childThis question has made many parents think hard, today let's take a good look at what insurance should be bought for their children! Explain from these three aspects:

First, medical insurance must be handled well, which is the basic guarantee of the people!

After the child is registered, you can go to apply for neonatal medical insurance (urban and rural residents' medical insurance), whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so this must be handled 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). In addition, critical illness insurance can directly pay a large amount of cash after getting sick, in addition to solving the ** expenses, it can also solve other associated problems, such as taking care of sick children, the economic losses to the family, all need a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems.

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 very practical.

Finally, it is necessary to configure an accident insurance, children's accident insurance is very cheap, 200,000 yuan per year, only sixty or seventy yuan, can protect the child's accidental death, disability and medical expenses caused by accidents, and the cost performance is quite high.

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

has been introduced in detail, because there is already a detailed analysis in the manuscript, so I won't spend too much space here.

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

That's all for me"Which insurance is the best and most cost-effective for 12-year-olds?"

Especially buying critical illness insurance, it is the most cost-effective!

1.Accident insurance should be put in the first place, because no one can expect an accident, sudden, uncontrollable, it is okay this second, and an accident may occur in the next second. There are unpredictable circumstances in the sky, and people have good and bad luck; Be prepared for danger in times of peace, take precautions" is the best explanation for accident insurance.

2.The second is health, such as critical illness insurance, which is also a must-buy, for critical illness insurance, the premium will increase with age. Critical illness insurance is paid in advance, that is, as long as the diagnosis is the type of disease agreed in the contract, it will be paid, as long as the compensation is completed, whether the customer is treated or not is completely based on the customer's wishes.

3.If the economy allows, you can consider education funds, care annuities, and other financial aspects.

There is no most cost-effective insurance policy, only the most suitable for your family situation, 12-year-old children, at present, most areas have medical insurance, basically belong to the category of urban residents, the protection has, but the reimbursement ratio is not high, the school also buys them with school insurance, the protection is generally within 10,000 diseases and accidents. If you want to configure high-point protection for your child, it is recommended that in critical illness insurance and accident insurance, the insurance for children at this age is very cheap, with a consumption-based premium of about 300 yuan to cover 200,000 critical illness accidents, and a return-to-principal premium of about 2,000 yuan to cover 200,000 critical illness accidents, and finally return to the capital.

Xueba talks about insurance, focusing on insurance evaluation! A lot of people have been asking latelyThe question of how to buy insurance for a 12-year-oldThese are cost-effective, and the protection content is good!

How to buy insurance for 12-year-olds

Children are at less risk of diseaseTherefore, the premium for buying insurance is the lowest for all ages, and there are many options。Let me give you a general ideaIt mainly includes critical illness insurance + accident insurance + medical insurance

1.Critical illness insurance.

First of all, buying insurance is also to buy a protection, although the probability of a child suffering from a critical illness is not large, but who can guarantee it? Besides, it is really not expensive for children to buy critical illness insurance, as long as about 2-3,000 a year, you can get hundreds of thousands of insurance amounts, which is indeed very cost-effective, so what are the cost-effective products with good protection content? Let's take a lookDesigned for 12-year-olds!

In 2020, it is worth buying children's critical illness insurance!

2.Accident insurance.

Children have a more lively personality and often suffer from falls and burns, so we need a comprehensive accident insurance for children with accidental medical liability to reimburse the cost of the injury. And it's really not expensive for children to buy accident insurance, less than 200 a year, I think it's still necessary to buy it. So what kind of children's accident insurance is worth buying?

If you are interested, you can take a lookTop 10 Children's Accident Insurance Worth Buying! (Suitable for 12 year olds).

3.Medical insurance

Medical insurance is a cost-effective type of insuranceIt is known for its low premiums and high sum insuredGenerally, it is purchased with critical illness insurance, which mainly protects the expenses of hospitalization, drugs and other expenses, and only needs about 100 yuan a year to enjoy a reimbursement amount of millions, which is recommended for configuration.

There is no most cost-effective insurance policy, only the most suitable for your family situation, 12-year-old children, at present, most areas have medical insurance, basically belong to the category of urban residents, the protection has, but the reimbursement ratio is not high, the school also buys them with school insurance, the protection is generally within 10,000 diseases and accidents. If you want to configure high-point protection for your child, it is recommended that in critical illness insurance and accident insurance, the insurance for children at this age is very cheap, with a consumption-based premium of about 300 yuan to cover 200,000 critical illness accidents, and a return-to-principal premium of about 2,000 yuan to cover 200,000 critical illness accidents, and finally return to the capital.