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Xueba says that insurance only recommends insurance that is really useful for children! 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.
How to buy insurance for your child
I don't know how much this problem is stumped and I want to give the baby comprehensive protection, today the senior sister will take you to learn the correct way to buy insurance for the child! Configure from these three aspects:
First, take care of the medical insurance first!
Neonatal medical insurance (medical insurance for urban and rural residents) is a national basic insurance, and children should be handled immediately as soon as they are born.
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. In addition, critical illness insurance can directly pay a large amount of cash after getting sick, in addition to being used to treat the disease, it can also solve other associated problems, such as the delay in school due to medical treatment and some losses in subsequent life, all need money, all need money to solve these troubles. Buying a pure protection critical illness insurance can 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, as long as one or two hundred yuan a year, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.
Finally, to configure an accident insurance, the child's accident insurance is very cheap, 200,000 yuan per year, only sixty or seventy yuan, can protect the child's disability, death and medical liability caused by accidents, which is very practical.
Third, is there any insurance that I should not buy for my child?
Don't choose life insurance for your child, and try not to consider critical illness insurance with both liabilities attached. I know the specific reasons in this articleHow to buy insurance for your child without being cheated? This guide tells you!
There is a detailed introduction in it, and because it is written in detail, I will not introduce it 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 done, if you buy lifelong protection, it is only two or three thousand per year, cost-effective and practical.
That's all for me"Pacific Children's Lifetime Happiness Insurance"All of them, I hope it helps you! Hope!
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It is a health protection product, so it is more inclined to protection, rather than education, 0-year-old baby if there is no community medical care, you can attach a hospital medical insurance, because the baby is too small, poor resistance, it is inevitable that there will be some headaches, old fever, cold and fever caused by sudden diseases, etc., so as to better prevent risks and help families reduce medical costs.
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Doesn't anyone know?
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Hello! Children's Life Happiness Insurance is an insurance launched by Chinese Life Insurance Company in 1997 and has been discontinued.
If you want to know what other children's insurance is worth buying, you can click to make an appointment for 1-to-1 insurance planning services, and Deep Blue Insurance Concentrate Insurance Brokers will provide you with professional advice.
Children's Lifetime Happiness Insurance Liability:
1. A lump sum of survival insurance benefits shall be paid on the corresponding date of the year when the insured survives to the age of 15;
2. On the effective date of the year in which the person survives to the age of one year, the insurance premium for high school education shall be paid;
3. On the effective date of the year in which the student survives to the age of one year, the university education insurance premium shall be paid;
4. A lump sum of dowry shall be paid on the corresponding date of the year when the person survives to the age of 22;
5. Survive to the retirement age (60 years old for men and 55 years old for women) on the corresponding date of the year, and pay a monthly pension until death;
6. During the pension period, medical insurance premiums shall be paid every year.
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Summary. 1. The insured shall survive until the age of 15 years and shall pay the survival insurance benefit in a lump sum; 2. The year of survival to the age of one year shall correspond to the ri, violence, and the payment of high school education insurance benefits; 3. The year of survival to the age of one year shall correspond to the ri, violence, and the payment of university education insurance premiums; Fourth, survive to the age of 22 years of effective corresponding ri, violence, a xing to pay the dowry.
Relatives are poor, and we are happy to answer your <>
Chinese life insurance 360 yuan children's happy life insurance, pay an annual fee of 360 yuan, pay until the age of 18, return the principal and interest, and enjoy a monthly pension after reaching the age of 60. Until the child reaches the age of 22, he or she is also entitled to regular insurance benefits. The 360 yuan of the Chinese Slim Life Insurance Company's children's lifetime happiness insurance liability is:
1. The insured shall survive until the age of 15 years and shall pay the survival insurance benefit in a lump sum; 2. Survive to the age of one year and pay high school education insurance benefits; 3. The effective date of survival to the first year corresponds to the ri, and the college education insurance benefit is paid; Fourth, the annual effective date of survival to the age of 22 corresponds to ri, violence, and a time xing to pay the dowry to cover the clear.
Pro, Chinese Life Insurance generally refers to Chinese Life Insurance (Xianna Group) Company. Chinese Life Insurance (Group) Company (hereinafter referred to as Chinese Life Brother Hu Da), is a leading financial enterprise and is a state-owned super-large financial and insurance enterprise company; Headquartered in Beijing, it is one of the world's top 500 enterprises and one of the top 500 Chinese brands. The predecessor of the company was the original Chinese People's Insurance Company, which was established in 1949.
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