What are the types of children s insurance, and I plan to take one for my children

Generally, the types of insurance suitable for children are children's medical insurance, critical illness insurance, medical insurance, and accident insurance. In order to help parents better understand children's insurance, here is a list of materials for you, click to receive: Children's insurance, the difference between insurance for different ages.

Let's give you a look at the difference between these types of insurance.

1. Children's medical insurance.

Children's medical insurance is the most basic protection, which can transfer the financial risk caused by medical expenses due to illness during the child's growth. However, the protection content of children's medical insurance is not comprehensive, for example, when the child unfortunately suffers from a major illness, there are restrictions on the means and medication of the first child, and some other commercial insurance is needed to supplement.

2. Critical illness insurance.

Critical illness insurance is insurance that can protect against critical illnesses, and the incidence of childhood cancer has increased by 25% in the past few years, so it is necessary to allocate a critical illness insurance for children. The types of critical illness insurance on the market can generally be divided into consumption, savings and return, if parents don't know much, you can also take a look at this article: What is the difference between consumption, savings and return insurance?

Which is the best deal?

3. Medical insurance.

At present, the most popular commercial medical insurance is million medical insurance, which not only has a cheap premium, but also the reimbursement amount is generally more than one million, which is very cost-effective. If you have the idea of buying millions of medical insurance, you can refer to this list prepared by the senior sister: the latest top ten million medical insurance rankings are newly released!

4. Accident insurance.

Accident insurance is one of the businesses of life insurance, such as fall injury, sharp object injury, etc., are common causes of accidental injury to children, and it is particularly important for children to have an accident insurance.

5. Education fund.

Children's education insurance, also known as children's education insurance and children's education insurance, has the protection function of compulsory savings, which can provide an economic foundation for children's future education and growth.

Children's insurance is insurance for minors as the insured. There are dozens of types of insurance that children can insure, and they should choose according to their actual situation and insurance intentions.

The specific recommendations for insuring your child are as follows:

1.When buying insurance for your child, you should first consider whether the adult is adequately protected, and don't put the cart before the horse.

2.Don't ignore local insurance policies, such as whether there is medical coverage for the elderly and the young.

2.Children's insurance, based on the basis of protection, then talk about education funds.

3.In terms of protection, accidents, critical illnesses, and medical treatment must be considered.

4.There are three types of children's insurance in the market: dividend, universal and investment-linked, and it is recommended to choose the first two.

5. Insurance planning, do what you can, don't deviate from the reality of affordability, then it is not insurance. Best, solve whatever you can? Don't aim for a one-step solution.

6.Remember the additional exemptions!!

6.Buying insurance for your children, don't plan too much for a rainy day, and plan your life, which is very unrealistic. Treat it rationally and do what you can. You can set short-term, medium-term, and long-term financial goals, but if you don't ask for them all, reverse the order, and it will be a mess and a waste of money.

7.First of all, we must clearly understand the above needs and rules, and then select a qualified ** person, which is very important and very important, and then choose an insurance company.

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Children's insurance refers to insurance products designed for the main risks of children, and the insured is generally limited to the age of 18, such as children's critical illness insurance, children's accident insurance, and some medical insurance designed for children. There is no absolute insurance allocation formula for insuring children, and you still need to choose the appropriate type of insurance according to the actual situation of children when applying for insurance.

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

To insure your child, you must first pay attention to choosing the right and appropriate type of insurance.

The following is a brief explanation of several protection insurances that are more suitable for children.

Generally speaking, children are more suitable for critical illness insurance, million medical insurance and accident insurance. Younger children can also be supplemented with a small medical insurance.

Compared to adults, children's physical resistance is slightly weaker. According to the relevant data of the National Health Commission of China, the number of children under the age of 14 diagnosed with malignant tumors in China is between 30,000 and 40,000 per year, which shows that for children, it is also necessary to pay attention to the prevention of the risk of serious diseases.

In view of this, you can configure critical illness insurance and million medical insurance for children.

There are many critical illness insurance products on the market, and if you don't know which one is better, you can take a look at this list:

Top 10 [cheap and high-quality] children's critical illness insurance in 2023

In addition, younger children are likely to need to go to the hospital often for minor illnesses such as colds and fevers**.

The threshold for small medical insurance is relatively low, and many small medical insurance covers outpatient medical treatment, which is more applicable to the above small medical expenses.

Children are active by nature and love to chase and play, and there is a risk of accidental injury in the process.

If the accident insurance that includes accidental medical protection is pre-configured, when the child needs to go to the hospital for accidental injury, the insurance company will reimburse the corresponding ** expenses if the blind head is met.

Less than 1,000 yuan, get the child's grinding number insurance!

In general, the above types of insurance are more suitable for children.

Of course, when you actually apply for insurance, you still need to make analysis and adjustment according to the actual situation of the child! Hope.

Children's insurance, also known as children's insurance or children's insurance, covers adolescents and children, and is used to deal with the relevant expenses required by children in the process of growth, such as cultural education, self-employment, marriage, etc., and provides children with the ability to protect against risks such as illness, disability, and death.

The protection target of children's insurance is minors, and the essential difference from adult commercial insurance is mainly reflected in the value of its protection, adult commercial insurance protection refers to the beneficiary's ability to earn income in the future, while adolescents and children do not have this ability.

There are two types of children's insurance: cultural and educational children's insurance and protection-type children's insurance, which actually includes children's accident insurance, children's medical insurance, children's education insurance, etc.

Children's Insurance Coverage:

Children's Accident Insurance.

It is mainly aimed at the risk of burns, falls, accidental death, and accidental disability in children. Basically, every car insurance company has child accident insurance. For example, Prime Child Accident Insurance. It should be noted that the maximum insured amount of child accident insurance shall not exceed 100,000.

Children's medical insurance.

Share the risk of illness in children. Although many children now have social medical insurance, there are still many diseases or drugs that are not covered by medical insurance expenses, and commercial service children's medical insurance is the main filling for this matter. The sooner you buy a children's health insurance offer, the better.

Children's Cultural and Educational Savings Insurance.

This is often referred to as education insurance. Children's cultural and educational savings insurance needs to be purchased under the premise that the children's accident and medical insurance are complete. Unlike traditional deposits, children's cultural and educational savings insurance still provides insurance protection for children.

Children's insurance and financial management.

Children's insurance and financial management can solve the problem of children's education (studying abroad), independent entrepreneurship, pension services and other commodity costs, and is the type of children's insurance sought after by many families today.

Parents must be familiar with the matters that need to be paid attention to when choosing insurance for children, such as the maximum insurance amount of children's insurance cannot exceed 100,000, and ensure that the protection of parents has been done before the baby buys insurance. In this way, you can buy the right type of children's insurance.

The purchase of insurance at home should be led by the husband and wife, with the assistance of children. Husband and wife, especially the economic and industrial accident protection, diagnosis and treatment protection, critical illness protection and life insurance protection must be sufficient, to ensure that the life of parents in case of end, the children can survive according to the economic development of commercial insurance, and at the same time receive a good education again. If the parents have more complete protection in the company and have bought sufficient commercial insurance for themselves, they can choose to buy more commercial insurance for their children.

Children's insurance, as the name suggests, is specially designed for children and teenagers, mainly for 0-18 years old minors insurance, there are many types of this type of insurance, the more common ones are children's accident insurance, children's critical illness insurance, children's education insurance, etc. In addition, when insuring your child, if you can configure insurance for your child in the order of medical insurance, accident insurance, critical illness insurance, and education insurance, then you will basically do the right thing, and you don't need to buy more insurance.

Children's insurance, also known as children's insurance and children's insurance, is specially designed for children and teenagers to solve the education, entrepreneurship, and marriage expenses they need in the process of growing up. Among them, if you purchase children's medical insurance, you can get the corresponding compensation when the child is sick.

It is an insurance product that protects children's disability, illness, entrepreneurship, and marriage, mainly including children's education insurance and accident insurance.

Children's Critical Illness InsuranceThe main function of children's critical illness insurance is to protect children from the risk of critical illness. After all, children are also a group with a high incidence of critical illness, and the cost of critical illness is not low

Since the founding of the People's Republic of China, China has undergone great changes in the economy, especially in recent years, China's economic development has been very rapid, and its position in the world is also one of the best. The country is gradually moving towards stability at the same time, the people's life will become happier and happier, people's pursuit of life will rise to a higher level, in the past we only pursue food and clothing, and now our pursuit is physical health, we hope that we and our family and friends can live longer. <>

The insurance industry should be a relatively hot industry that has emerged in recent years, because it can discount the corresponding medical expenses for various accidents, so many people will buy an insurance for their families and friends, which is now a very common phenomenon. So recently, some netizens asked: How should I choose insurance for my child?

It is believed that there are two kinds of purchases, one is social medical insurance, and the other is accident insurance

First, the coverage of social medical insurance is wide

I believe that all the friends in front of the screen should think of social medical insurance when they mention insurance, because it is a kind of insurance that originated relatively early, and he can also receive corresponding subsidies from the state, so it covers a wide range, and the diseases it contains are also relatively common, which is undoubtedly the most cost-effective insurance for people, so it is necessary to buy this kind of insurance for children. <>

2. Accident insurance can cover the medical expenses of the child when he has a minor injury

Children are always very naughty when they are young, and they may be injured because of stumbling and stumbling, but these small injuries are not included in the social medical insurance, so as a parent, if you are worried that your child is too naughty, and various small traumas occur, you can buy an accident insurance for your child, which is a kind of small injury that contains some more basic classes, so this is very practical for children.

You can choose according to the child's health, the child's growth, the child's age, and the child's habits, then you can choose an insurance that is very suitable for children and grandchildren.

When a child chooses insurance, he should still choose according to the actual situation of the child, and should choose personal accident insurance and medical insurance.

You can buy accident insurance, medical insurance, and education insurance for children, which are very good and very suitable for children.

Children's medical insurance and school-organized insurance are relatively more cost-effective.

Best"These two words are actually quite difficult to define, and my first reaction is that you have to say what you want to cover, and then you can say which types of insurance can best meet your needs according to your needs. Next, according to your needs, you can determine which of the products that can provide sufficient protection, which one is relatively more cost-effective, and the service such as compensation is better.

Generally, when parents buy insurance, there will be a misunderstanding, thinking that everything is the priority of the child, and the child is protected first. But in fact, for children, parents are the greatest protection, as long as the parents are there, there will be people in front of any problems, so it is a wiser choice to configure your own insurance first.

Back to the child itself, it is nothing more than accident insurance, medical insurance, and critical illness insurance. To put it simply, most of the ones that can be purchased through communities and schools are subsidized by the state, and the cost performance must be higher than that of buying a commercial one. Within the scope of self-purchase, accident insurance will not be too high.

The difference between medical insurance and critical illness insurance** is not an indiscriminate price increase by the insurance company, but must be related to the protection and services you can get.

In addition, there will be some parents who like to buy financial management products such as education funds, and the significance of compulsory savings in such products is far greater than the benefits. In other words, from the perspective of investment returns, it is very average, and the reason why you can see more money is only because the investment time is long enough. It depends on individual needs.