What is the best type of insurance for my daughter s one year old Chinese life expectancy

The largest life insurance company in China is none other than Chinese Life Insurance Company, which mainly operates a wide range of insurance. Next, I will give you a science popularization of its main types of insurance, if you are in a hurry, you can take a look here:"This article tells you how the life of Chinese people is, and what types of insurance are mainly involved".

There are many types of insurance for Chinese Life, and there are many suitable for children, the most important thing is to depend on personal needs. Children here recommend buying Chinese Life's critical illness insurance, medical insurance, accident insurance, etc., which can give children more comprehensive protection, if you want to know more, you can read below:

First, the main types of life insurance for Chinese

(1) Health Insurance:Health insurance mainly refers to critical illness insurance, medical insurance, etc., and Chinese Life's main health insurance products are rich and colorful, and the critical illness insurance represented by Corning has always been loved by customers.

(2) Term Life Insurance:The term life insurance products launched by Chinese Life are relatively rich, helping consumers to have a broader space when purchasing.

(3) Accident insurance:(4) Financial insurance:The biggest highlight of financial insurance is that it has both protection and financial management functions.

Chinese Life was the first participating insurance product launched in the industry, which has become a major trend in the industry's financial insurance trend.

(5) Endowment insurance:Old-age insurance allows the basic life of the elderly to be satisfied, and the flexible and diverse old-age insurance products of Chinese Life make the public have a comprehensive old-age security.

(6) Children's insurance:Most of the Chinese life insurance is also participating insurance, which can provide medical and other health protection for children, and also includes education funds and other benefits.

After so much popular science, there must be a lot of friends who are interested in life products, and I will prepare dry goods for you

Second, the main products of Chinese Life

If you're not having enough time watching it, there's no harm in looking here:How much do you know about the top seven [Chinese Life] insurance products in terms of cost performance? 》

As a large insurance company in China, Chinese Life Insurance is relatively rich. However, when we choose any product, it is best to choose according to our actual needs. Hope!

Xueba said insurance, only recommend the most suitable child insurance! This year, the comparison table of 136 best-selling children's critical illness insurance has been updated

You can click on it to take a look, I hope it will help you.

What insurance is good for children

I don't know how many parents who want to give their babies comprehensive protection are stumped by this question, today let's take a look at how to buy insurance for their children! Keep these three points in mind:

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

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, this is the basic security welfare given by the state, and it must be handled well.

Second, in addition to the basic insurance of national medical insurance, commercial insurance should also be considered, and critical illness insurance + medical insurance + accident insurance should be given priority.

First of all, critical illness insurance, which provides a relatively long period of protection. 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 many hidden problems caused by illness, such as taking care of sick children, and the economic losses brought to the family, which require 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, the insurance amount of 10,000 yuan is only 1,200 yuan per year, which is very cost-effective.

Finally, to configure an accident insurance, it is very cheap for children to buy accident insurance, 200,000 yuan per year, only sixty or seventy yuan, don't look at the cost is not much, but the protection is a lot. Accidental death, dismemberment and accidental medical liability of children can be covered, which is cost-effective and practical.

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

Don't choose life insurance for your child, and try not to choose critical illness insurance with both liabilities. I know the specific reasons in this articleTeach you how to buy 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 not expensive and very useful.

That's all for me"What is the best type of insurance for my daughter's one-year-old Chinese life expectancy"All of them, I hope it helps you! Hope!

There is an insurance: it truly integrates the five functions of children's education, self-pension, financial planning, health protection and death protection. It is China Life Da Ruixin (Collector's Edition).

Insurance case: 0-year-old Xin Baobao (girl).

Payment Period: 10 years Basic Sum Insured: Yuan Premium: Yuan.

Coverage section. Critical illness, the insured amount is 350,000.

There are 10,000 mild symptoms. 3. Death insurance benefit of 350,000 yuan.

4. High disability insurance benefit of 350,000 yuan.

5. The general accident insurance is 450,000 yuan.

6. Passenger traffic accident insurance is 650,000 yuan.

7. Self-driving accident insurance of 850,000 yuan.

8. The insurance for major natural disasters is 950,000 yuan.

Tsunami, flood, mudslide, typhoon, landslide).

9. Aviation accident insurance is 1.85 million.

10. Premium waiver, the policyholder is exempted from paying the remaining premium if he dies or is highly disabled during the payment period.

11. Survival fund.

From the third year, he will receive 3,000 yuan per year until he is 59 years old.

From the age of 60, he will receive 7,500 yuan per year until the age of 84.

12. Dividends.

Dividends are distributed every year, compounded daily and monthly compound interest.

13. Birthday payment at maturity.

At the age of 85, he received a birthday pension of 350,000 yuan.

14. Gold Account.

Survival fund + bonus + maturity birthday payment = enter the gold account, monthly compound interest and annual compound interest.

Receive it at any time, flexible and convenient, maintain and increase value, double protection.

Gold Account Income Summary:

At the age of 20: Yuan (education fund).

At the age of 30: Yuan (dowry money).

At the age of 60: Yuan (pension).

At the age of 75: Yuan (pension).

At the age of 85: Yuan (pension).

At the age of 100: RMB (lifetime enjoyment of the gold account).

The highest value before the age of 75 is guaranteed to be 12.79 million.

It depends on your needs. The education class of Fuxing children is better, and the security class of Da Ruixin is good, and it is currently the most seriously ill, and it also has a financial management function.

Any insurance at the age of one is very cheap, and you can make a purchase plan according to your budget.

Hello, do you want to buy education funds for your children, or health insurance, the Pacific Ocean is by your side.

Financial management, health, security, and the integration of education and education are more suitable.

Hello, you can consider Xinhua's Shengshi Winner Education Financial Insurance.

Chinese Life is a large financial and insurance enterprise in our country, with strong capital strength, and its bureau training insurance products are also very rich, if it is a 1-year-old baby with insurance, you can consider purchasing children's critical illness insurance, million medical insurance and accident insurance, to provide perfect protection for children, escort the healthy growth of children.

Next, the senior sister will give you a detailed introduction to these major types of insurance, not much to say, just go straight to the dry goods!

1. Children's critical illness insurance.

Children's critical illness insurance mainly protects critical diseases, 1-year-old baby's body has not yet developed perfectly, immunity is poor, compared with adults are more likely to suffer from some specific children's diseases, such as children's killer "leukemia", and once the child suffers from this disease, it is a big blow to the whole family, and parents also have to face high costs, costs, etc. The fixed amount of insurance paid by critical illness insurance can solve these problems very well.

If you want to know what high-quality children's Chongtong Town disease insurance is worth buying, you can take a look at this list prepared by the senior sister:Top 10 ultra-cost-effective children's critical illness insurance, don't miss this treasure guide!

2. Million medical insurance.

Millions of medical insurance can be complementary to children's medical insurance, can be used in the wisdom to reimburse the medical expenses incurred by the child, a few hundred yuan can buy millions of medical protection, there are many millions of medical insurance on the market also contains "drug advance", "medical green pass" and other value-added services, for the 1-year-old baby to provide convenience.

For those who don't know about value-added services, you can take a look at this article:What is "value-added service" in medical insurance? Is the more value-added services, the better? Sample, it's naïve.

3. Accident insurance.

In the process of growing up with a 1-year-old baby, the probability of accidental injury is relatively high, so it is recommended that parents plan an accident insurance product in advance to provide all-round safety protection. Hope!

I'm not a Chinese shou. So I can't recommend any insurance for you.

But I believe that the salesman of China Life will recommend the most perfect insurance for you.

There are a few points that must be made clear, and you should also understand them.

The CIRC stipulates that it is dissatisfied.

1. The maximum amount of claims for minors is 5w yuan. That is, when something bad happens.

You can get back up to 50,000 yuan. (10w for the four municipalities)2 You and your husband are the ones who need insurance the most. Because this family is supported by the two of you.

The children are taken care of by you, do you still need your parents to take care of them?

Social Security is"Warranty"And not"package".And you two are young. Premiums are also bottom.

If you buy it for your child, ask the salesman of China Life to buy you a critical illness insurance with an insurance amount of 50,000 yuan.

This type of insurance can choose to pay the time shorter between the stools. Because there is a premium waiver feature.

Then buy an education insurance policy. Incidental to the trip to some accidental medical treatment.

For general illnesses, you can purchase social security medical insurance to cover it. It's good.

I wish you all good health as a family.

For more information, please call 95519

It is worth entrusting to rely on each other for many years.

Chinese life is worth your choice.

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

What are the details to pay attention to when buying a suitable insurance?

It is the greatest wish of parents to be able to make the baby grow up happily. As the concept of insurance continues to gain popularity, many young parents choose insurance as their preferred gift for their children.

However, there are many types of children's insurance, and I would like to remind friends who want to buy insurance for their babies to be sure to choose a truly suitable insurance according to their own income and insurance needs.

Depending on the annual household income, the focus we should consider when purchasing insurance varies depending on the family's annual income. For ordinary families, it is necessary to focus on protection insurance. Generally speaking, most children will buy Xueping insurance at school, and the annual premium of Xueping insurance will generally not exceed 100 yuan, and the coverage covers accidental injury insurance, accidental outpatient treatment, inpatient medical treatment, etc.

However, the sum insured is not high, and the compensation is insufficient. Therefore, for families with general income, they can also consider taking out commercial accident insurance and critical illness insurance to increase the protection of their children while taking out school level insurance. For families with relatively superior conditions, on the basis of perfect accident protection, you can consider purchasing an education savings insurance for your children.

This can not only solve the problem of the cost of children's future high school, college or study abroad, but also can be used as a long-term financial plan for the family.

Finally, we would like to remind our parents not to fall into the following three misunderstandings when buying insurance for their children: Myth 1: Only consider children and ignore parents. Myth 2: Only consider accidents and general medical treatment, and ignore critical illness protection.

Myth 3: When buying education savings insurance, only look at the benefits, not the protection.

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

First of all, it is not recommended for children to buy life insurance, because children have no income, and there is a limit to the death benefit under the age of 18, it is recommended to wait until the child is an adult to configure life insurance. Secondly, the insurance company of Chinese Life is still very good, and there are many types of products, depending on what you need to configure. If you don't know what insurance to configure for your child, you can read this article:

Children's insurance, the difference between different age groups.

If you want to buy insurance for your child, it is recommended to give priority to critical illness insurance, medical insurance, and accident insurance. Critical illness insurance is mainly to protect critical illness, and the cost of children's illness** is not low, while critical illness insurance can apply for an insurance payment after the diagnosis of the critical illness stipulated in the contract, which is used to make up for the economic loss after illness, or as a later **expense; Medical insurance is able to reimburse some medical expenses, and accident insurance is a lump sum compensation in the event of death or disability caused by accidental injury. If you have enough budget, it is best to equip your child with one of these insurances.

There are many products under Chinese Life, which cannot be listed one by one, and the more popular critical illness insurance at present includes Privilege Happiness Insurance Plan 2022, Blessing Life Privilege Edition, Privilege Life A 2022 Critical Illness Insurance and so on. As far as the Privilege Insurance Plan 2022 is concerned, this product provides multiple claims for critical illness, children's special illness protection, as well as death benefit, exemption protection, etc., but lacks moderate illness protection, malignant tumor secondary compensation, in addition, there are many things to pay attention to, if you want to know more about it, you can see this article: Chinese Life Privilege Insurance Plan 2022 Protection Upgrade?

A must-see before you buy!