I m going to spend about 2,000 yuan to buy insurance for my child, how to buy it

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How to buy insurance for your child

I don't know how many parents who want to give their babies comprehensive protection are stumped by this problem, so let's take a good look at how this problem should be solved! Explain from these three aspects:

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, basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, after running medical insurance, it is necessary to consider fully configuring commercial insurance, and it is recommended to give priority to critical illness insurance + medical insurance + accident insurance.

Let's start with critical illness insurance, which provides coverage for as long as possible. Secondly, critical illness insurance pays cash directly after getting sick, which can not only solve the problem of medical expenses, but also solve many hidden problems caused by illness, such as children who delay their studies due to illness, and even some subsequent life losses, which require a lot of cash. Buying a pure protection critical illness insurance policy can be used to solve these problems.

Let's talk about medical insurance, which 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 not expensive and very useful.

Finally, let's look at accident insurance, children's accident insurance is very cheap, and the insurance amount of 20w only needs sixty or seventy yuan per year, which 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 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 insurance for your child without being cheated? This guide tells you!

There has been a detailed introduction in , so I won't go into too much detail 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 will only be two or three thousand per year, which is very cost-effective.

That's all for me"I'm going to spend about 2,000 yuan to buy insurance for my child, how to buy it"All of them, I hope it helps you! Hope!

Hello! Accidents and illnesses are two of the main risks around your child, and in order to improve the protection of your five-year-old, it is necessary to plan a comprehensive protection plan for your five-year-old child as early as possible.

If the budget is only 2,000 yuan, we can configure children's critical illness insurance, million medical insurance and accident insurance for children. If parents don't know how to allocate insurance for their children reasonably, then let's take a look at this child insurance strategy first:

In-depth article - How to buy insurance for children? Netizens shouted: Why did you only see it now

1. Critical illness insurance and million medical insurance

Children are in the stage of development, weak resistance, easy to get sick, and the possibility of serious illness is also very high, and there is a limit to the reimbursement of medical expenses by medical insurance, and many times parents need to bear more costs.

Therefore, it is necessary to buy children's critical illness insurance for the child, and during the protection period, the child is diagnosed with the disease agreed in the contract and meets the claim conditions, then the compensation of the critical illness insurance can be used to pay for medical expenses or make up for the loss of income of the parents and reduce the financial burden.

Millions of medical insurance has a reimbursement amount of up to millions, which can be used as a supplement to medical insurance to reimburse more reasonable medical expenses and reduce the burden of medical expenses. Some friends will confuse critical illness insurance with million medical insurance, so let's read this article to distinguish the difference:After reading these contents of medical insurance, you will know why you should buy critical illness insurance

2. Accident insurance

Children do not have the ability to protect themselves and are prone to bumps and accidents, so it is also necessary for children to configure accident insurance to transfer the economic risks arising from children's unfortunate accidents.

After understanding what kind of insurance to buy for children, we have to choose products according to the economic budget, parents can consider matching Qingyunwei No. 2 Children's Critical Illness Insurance, Pacific Medical Worry-free Million Medical Insurance, and Ping An Shengshi Worry-free Children's Accident Insurance

The above table can be seen that the premiums of these three insurances are quite affordable, and the premiums for 10-year-old boys or girls are insured according to the conditions of **, and the total annual premium is less than 2,000 yuan. The protection of these products is also very thoughtful, such as Qingyunwei No. 2 Children's Critical Illness Insurance, which is also very comprehensive, covering critical illness, moderate illness, and mild illness protection, as well as optional responsibilities such as children's special illness and multiple claims for critical illness, which can give children comprehensive illness protection. You might as well check out this review article to learn more about what it covers:

How about China Merchants and Qingyunwei No. 2 Children's Critical Illness Insurance? You'll know after reading it!

Hope!

Did your treasure search dust pants go to kindergarten Shijian? You can ask, kindergartens will generally buy accident insurance for children, if not, you can buy a consumer-type card discount such as brother and grandson 1-year accident insurance. You can also buy some long-term life insurance.

For example, what kind of critical illness is like this. Nothing else is interesting. Because in addition to critical illness insurance, 2,000 yuan is a little less for insurance.

The insurance protection that can be bought for 2000 yuan is not enough, so it is not much fun to buy it. It's better to save in the bank. The 5-year rollover I saved for my baby has a high interest rate.

It's much more appropriate than buying participating insurance.

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

If you plan to buy insurance for your children, you can buy more insurance with a budget of 2,000 yuan. The senior sister mainly recommends that children be equipped with children's medical insurance, critical illness insurance, million medical insurance and accident insurance. If you want to know how to buy insurance for your child, you can check here:

In-depth article - How to buy insurance for children? Netizens shouted: Why did you only see it now

For children, accidents are everywhere, so accident insurance is also very necessary. Accident insurance, generally speaking, the annual limb insurance premium is usually tens or hundreds. Secondly, children's medical insurance is a benefit given by the state to children, which can mainly reimburse part of the outpatient and inpatient medical expenses.

Generally speaking, children's health insurance may only cost a few hundred a year. Million Medical Insurance is a reimbursement type of insurance, which can be a good supplement to children's medical insurance, and the annual premium may need to be several hundred. As for critical illness insurance, if younger consumers buy it, the premium may be relatively cheaper, and the annual premium for children to buy critical illness insurance may generally cost hundreds or thousands.

Senior sister here is a child's insurance strategy, parents can take a look:Less than 1000 yuan, get the child's insurance!

If you want to buy insurance for children, we need to analyze according to their needs, and the most important thing is to look at the insurance product itself to find a more suitable insurance product. For example, when choosing a critical illness insurance shirt, if the parents' budget is not sufficient, they can actually choose to pay for a longer period of time, which can effectively alleviate a certain amount of pressure on the bank. If you still want to know what insurance tips, here are more detailed things to take a look at:

Before buying insurance, you must first understand these key knowledge points!

Hope!

A budget of 2,000 yuan can make a more comprehensive insurance configuration for children, but the general insurance company will not recommend it to you, and they will recommend at least 4,000 yuan to you, or even tens of thousands of yuan.

1. Accident insurance.

For children, accident insurance is standard.

Who doesn't have a bear child, naughty, ignorant, likes to play and make trouble, falls while walking, and has to touch the dog, so it often hurts and bruises, so accident insurance must be matched.

Advantages: low premiums, high protection, 0 deductibles for accidental medical treatment, and reimbursement for social security drugs.

2. Medical insurance.

Medical insurance is also a must, the child's resistance is weak before the acre, and it is normal to go to the hospital several times a year, and it is normal to spend thousands of dollars repeatedly.

The most worrying thing is that I am afraid of encountering some recurrent or major diseases, and few families can bear it.

3. Critical illness insurance.

Generally, the insurance salesman recommends that the critical illness insurance is 5 6 thousand, and the Ping An Fu is about 10,000.

Because the ones they recommend are all for life, and it's obvious that none of them fit your budget.

Here I recommend Harmony and Health's Huixin'an, with an insurance amount of 500,000 about 650.

Total scheme: 150 + 800 + 650 = 1600

It meets your expectations and is comprehensive.

Major and minor illnesses, cat scratches and dog bites are all included.

The most important thing is that the products come from various insurance companies, and they are the products with the highest family ratio.

1.General Inpatient Medical Insurance: Baobaokang Children's Outpatient Medical Insurance.

Issue age: 28 days - 17 years old.

Coverage: Accident and illness outpatient and emergency care, double care.

Features: Only need to start from yuan every day, no need to worry about minor illnesses and injuries, and you can compensate up to 100,000 yuan.

2.Mid-range medical insurance: children's medical care is excellent.

Issue age: 0 18 years old.

Benefits: Accident, hospitalization, infectious disease, death.

Product Highlights: Inpatient + outpatient coverage for 10 common pediatric infectious diseases, and reimbursement will be paid upon diagnosis of 3 specific infectious diseases.

3.Million Medical Insurance: e-Life Insurance (Guaranteed Renewal).

Insured age: 28 days - 50 years old (renewable to 99 years old) Sum insured: 4 million (not limited to ** means) hospitalization green channel.

Service: 6-year guaranteed renewal, waiver of premium for diagnosed cancer.

4.Critical Illness Insurance:

1) Short-term protection: eHealth (upgraded).

Coverage: Up to 120 critical illnesses + 20 minor illnesses.

Sum insured: up to $500,000 (optional).

2) Lifetime protection type (1):

Children's Peace and Happiness 21

Issue age: 28 days - 17 years old.

Coverage: 120 critical illnesses + 15 special illnesses + 20 moderate illnesses + 40 mild illnesses.

Product Highlights: Comprehensive coverage, the sum insured can be increased.

3) Lifetime protection type (2):

Children's Guardian 100% 21

Issue age: 28 days 17 years old.

Coverage: 120 types of critical illnesses, critical illness death protection for life.

Features: Receive a survival benefit at maturity (return the critical illness premium of the main insurance, and the protection will continue to be lifelong)5Accident Insurance:

Ping An Ruyi Fu Accident Insurance.

Includes accidental death, accidental dismemberment, accidental medical treatment, accidental hospitalization, and hospitalization benefit.

Features: No limit to social security medication!

Age of the insured: 30 days to 65 years old.

If you need it, you can get in touch!

How old is the child, and has he paid social security? Is the budget two thousand two thousand per year or two thousand per month or two thousand per quarter?

According to 2,000 per year, it is not counted as social security and commercial insurance, assuming that the child is at the age of elementary school. You can buy a medical + accident + consumer critical illness. If you are studying, the school generally requires insurance, which is cheap, has low premiums, and the coverage content is relatively simple, and will generally cover some medical and accident treatments.

So if you have this, you don't need to buy medical treatment and accidents, but the school's medical insurance should not be high, and it is recommended to have a special medical treatment for serious illnesses.

In addition, the current insurance channels are online and offline. It is not recommended to buy insurance for the first time and do not know anything about people who do not know it, because you don't understand many concepts, and you may not know what you have invested after you have finished investing, or you have the patience to read all his terms, and you may not necessarily understand. You can find a reliable salesman offline to understand, and you can choose online when you understand a little bit in the future.

Of course, online products may be cheaper than offline overall, after all, there is no salesman, but in the same way, you have to rely on self-service purchase of self-help claims, the purchase is simple, in case you need to make a claim, it is a smear, some trivial handling process, provide information, but also consume more energy, small accidents and medical problems are not big, you can upload materials online, the process is simple, large amounts of medical and critical illness need to submit paper materials, fill in the list or something.

Let's see what happens.

You should ask the insurance company, not here.

Children's insurance is relatively simple, first of all, help children to go to social security. Secondly, if you have already gone to kindergarten, primary school, middle school, etc., you need to purchase student insurance. Finally, add a critical illness insurance.

If the family's economic strength allows, it can also be configured with medical insurance + accident insurance + education fund.

Tips: If you need to buy insurance, it is recommended that you contact Ping An Insurance Company for professional consultation, Ping An Life Insurance: 95511-1, Ping An Property Insurance: 95511-5, Ping An Pension Group Insurance: 95511-6.