How to buy children s insurance? How can a child buy insurance?

To buy insurance for children, you need to keep these three points in mind, 1. Don't buy life insurance, it is suitable for the pillar of the family. 2. The sooner you buy your child's medical insurance, the better. 3. What the child really needs is critical illness insurance + medical insurance + accident insurance 500,000 insured critical illness insurance + 3 million medical insurance + 200,000 insured accident insurance, which only needs more than 1,000 for the child.

When buying insurance for your child, you should pay attention to these three points:1It is recommended not to buy death insurance; 2.

It is not advisable to buy returnable insurance; 3.Don't just leave your child alone. The child is young, and the insurance premium is not expensive.

On the basis of social security, the child is fully equipped with accident, medical and critical illness insurance, which is about more than 1,000 per year.

Social security, the baby is born as soon as it is handled, and if it is handled in the 3rd month of the child's birth, the expenses on the day the baby is born can be reimbursed; Three commercial insurances: accident insurance, critical illness insurance, and medical insurance. Poke** for details.

More than 1,000 per year can be fully insured for children. First, children's medical insurance, which is the basic welfare given by the state. Second, children's critical illness insurance.

The sum insured of 500,000 yuan is guaranteed for 30 years, 600 yuan per year. Third, million medical insurance, 6 million hospitalization protection, 800 yuan per year. Fourth, children's accident insurance, 200,000 accident insurance, 60 yuan per year.

The average family budget should not exceed 2,000, and you can configure a full range of 500,000 critical illnesses, millions of medical treatment, hospitalization insurance and accident insurance.

Children have to buy life insurance in addition to them.

The first point is that children should never buy life insurance, because life insurance is enough for the family's financial support. Secondly, the budget is not enough to buy a fixed term, buy for ten years, and wait for ten years after the baby grows up, you can configure a suitable product for yourself at that time. Finally, don't buy dividends, this kind of insurance is actually incomplete, and dividends are not as good as bank deposits.

More than 1,000 per year can be fully insured for children. First, children's medical insurance, which is the basic welfare given by the state. Second, children's critical illness insurance.

The sum insured of 500,000 yuan is guaranteed for 30 years, 600 yuan per year. Third, million medical insurance, 6 million hospitalization protection, 800 yuan per year. Fourth, children's accident insurance, 200,000 accident insurance, 60 yuan per year.

Children have to buy life insurance in addition to them.

The child's policyholder can be a parent or legal guardian. According to the regulations of the Insurance Regulatory Commission, to buy insurance for children, their parents or legal guardians need to apply for insurance on their behalf. If you buy a life insurance type for your child, you will be particular about choosing a beneficiary, and the beneficiary will be the recipient of the insurance money after the accident.

In addition, the insurance regulations for minors: 0-9 years old, only one of the parents can pretend to be filial piety insurance and sign. 10-17 years old can be insured by parents, siblings and maternal grandparents, and the signature of the insured person can be signed by the legal guardian.

Test your anti-risk index, experts will interpret it for you for free!

As long as you have opened an account, you can directly apply for insurance with the ID number on the user's mouth book, and the validity period of the certificate can be filled in as follows: the start date of the insurance is the day of insurance, and the deadline is the day after 5 years. For example, if the start date is April 22, 2021, and the deadline is April 22, 2026.

After the ID card is completed, you can modify the validity period directly on the official WeChat account or call customer service. If you haven't settled down for your child, you can use a birth certificate to insure, but at present, only a few products support it, such as Kanghuibao Ultimate Edition.

1. You can set the benefit ratio and order: for example, 60% for daughters and 40% for sons. The legal beneficiary can only be divided equally among parents, spouses, and children. Wide grinding or.

2. It is more convenient to settle claims: the procedures are simple, only ID card, death certificate and other materials are required; The legal beneficiary also needs to provide proof of relationship, such as household registration book, which also involves the order of inheritance and the proportion of benefits, and the claim is more complicated.

More than 1,000 per year can be fully insured for children. First, children's medical insurance, which is the basic welfare given by the state. Second, children's critical illness insurance.

The sum insured of 500,000 yuan is guaranteed for 30 years, 600 yuan per year. Third, million medical insurance, 6 million hospitalization protection, 800 yuan per year. Fourth, children's accident insurance, 200,000 accident insurance, 60 yuan per year.

If you buy insurance for your child, you can buy regular critical illness insurance, million medical insurance, and short-term accident insurance, which can be done for a few hundred yuan a year! First, do not buy life insurance for your children; Second, if the budget is not enough, buy term critical illness insurance; Third, buy the consumption type, don't buy the return type.

Three tips for buying insurance for your child: It is recommended not to buy insurance that specifically covers death, it is better to buy sickness and accident protection first; It is not advisable to buy returnable insurance; Don't just take care of your children, on the basis of social security, you can provide your children with accident, medical and critical illness insurance, and save some money to protect yourself.

More than 1,000 per year can be fully insured for children. First, children's medical insurance, which is the basic welfare given by the state. Second, children's critical illness insurance.

The sum insured of 500,000 yuan is guaranteed for 30 years, 600 yuan per year. Third, million medical insurance, 6 million hospitalization protection, 800 yuan per year. Fourth, children's accident insurance, 200,000 accident insurance, 60 yuan per year.

Children have to buy life insurance in addition to them.