How to choose the right high end medical insurance for your child

After the child is born, there is the basic guarantee of the national medical security system - basic medical insurance for urban residents. As a basic cover, it has a cheap premium that covers 50% to 70% of medical and hospitalization expenses covered by Medicare.

Xueba talks about insurance, focusing on evaluating children's insurance! This year, the comparison table of 136 hot-selling juvenile critical illness insurance has been updated

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How to buy insurance for your child

First, children's medical insurance is essential!

After the child has a household registration, he can go to apply for neonatal medical insurance (medical insurance for urban and rural residents), whether it is a major illness or a minor illness, the basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, in addition to the national medical insurance, some necessary commercial insurance should also be considered, and critical illness insurance + medical insurance + accident insurance is preferred.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection. 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 in the future, 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 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, the sum insured of 10,000 yuan, and the annual premium is only one or two hundred yuan, which is very cost-effective.

Finally, it is necessary to configure an accident insurance, it is very cheap for children to buy accident insurance, 200,000 yuan of protection 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 the child are all covered, inexpensive, and useful.

Third, what insurance should not be bought for children?

Don't give your child life insurance, 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, about 1,000 yuan per year can be done, if you buy lifelong protection, it is only two or three thousand per year, which is very practical.

That's all for me"How to choose the right high-end medical insurance for your child"All of them, I hope it helps you! Hope!

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

Children's critical illness insurance is divided into three types according to the insurance period: 1. One-year term; 2. Long-term (10 years, 20 years, 30 years); 3. Lifetime. So what are the advantages and disadvantages of these three types of critical illness insurance?

First of all, let's talk about the one-year critical illness insurance, taking Ruitai Growth Guard as an example, ** is low, 500,000 insurance for a 1-year-old boy, and the annual premium is only 500 yuan, and the product is specially designed for children, including 40 kinds of critical illnesses with high incidence in children. However, there is a possibility that this type of product will be discontinued, and there is no guarantee of renewal, if the product is discontinued, and the product is discontinued and suffers from a critical illness but is not diagnosed before the product is discontinued, it is difficult to get compensation.

Secondly, let's talk about long-term critical illness insurance, which generally covers 10 years, 20 years, and 30 years.

Xueba talks about insurance, and teaches you to choose the best insurance for your child! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated, click to claim now, I believe it can help you.

How to buy insurance for your childThis problem has always been a problem that stumps tens of millions of parents, so let's take a good look at how this problem should be solved! Explain from these three aspects:

First, the country's medical insurance must be handled!

After the child is born, as long as the household registration, you can immediately apply for neonatal medical insurance (urban and rural residents' medical insurance), 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, must be handled well.

Second, after the medical insurance is handled, you can consider configuring commercial insurance for your child, giving 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 is paid directly in cash after getting sick, which can not only be used to treat the disease, but also solve many hidden problems in the future, such as taking care of sick children, bringing financial losses to the family, all of which require a lot of cash. Buying a pure protection critical illness insurance can just 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, the insurance amount of 10,000 yuan is only 1,200 yuan per year, which is cost-effective and practical.

Finally, let's take a look at accident insurance, the child's accident insurance is particularly cheap, with an annual protection of 200,000 yuan, only sixty or seventy yuan, which can fully protect the child's accidental death, disability and medical expenses caused by accidents, which is particularly practical.

Third, what insurance should not be bought for children?

has been introduced in detail, because it is very detailed in the manuscript, so I will not waste time here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, about 1,000 yuan per year can be fully configured, if you buy lifelong protection, it is only two or three thousand per year, cost-effective and practical.

That's all for me"How to choose high-end medical insurance for children"

Arnold answered:

According to the latest statistics, the incidence of children under the age of 14 is very high, of which leukemia is the number one killer. In addition, due to their low awareness of safety and lack of self-protection ability, children are at great potential risk. Parents can apply for high-end medical insurance for their children, which can play a preventive role in taking precautions and preventing problems before they occur, and can give their children excellent medical protection at critical times and comprehensively escort their children's health.

And the younger the age of application, the cheaper the premium paid. Most high-end children's medical insurance products can be insured after 30 or 90 days of the child's birth. If you want your child to enjoy comprehensive protection treatment, you can apply for high-end medical insurance around the world, with a wide range of medical treatment and no medical restrictions; Direct billing services from 1.1 million top medical institutions around the world, including the direct-billing network in the Asia-Pacific region, with more than 268 public and private direct-billing medical institutions in China, to meet the needs of children in special needs wards.

If you are a child, you don't have to buy a high-end medical insurance for children, ordinary medical insurance, accident insurance, critical illness insurance, and now there are a lot of critical illness insurance on the market. Cost-effective children's critical illness insurance is here:Children's Critical Illness Insurance Assessment:

Don't buy your child's critical illness insurance! 》

Then let's talk about how to configure the child's insurance.

In order to scientifically allocate children's insurance, the following three principles should be adhered to:

1. Give priority to children's medical insurance

Children's medical insurance is a national welfare insurance, which can provide the most basic medical protection for children, regardless of whether they are healthy or not, they can be purchased in line with local policies, and can meet the basic protection.

However, in the event of a critical illness or accident risk, medical insurance can only provide some basic protection, and commercial insurance can be used as a supplementary protection.

2. Adult protection first, child insurance second

Parents want to save the best for their children, which is understandable as the love parents have for their children. However, giving priority to the best insurance allocation for children is not a scientific insurance allocation method.

Adults are the pillars of the family, and if the protection of adults is not done well, who can protect young children once the risk comes?

Therefore, it is necessary to give priority to the protection of adults first, and then allocate reasonable insurance for children.

3. There is no need to buy life insurance for your children

The main role of life insurance is to combat the risk of death, mainly to allocate the family's economic pillar, so as not to lose the family's income** and overturn when the risk comes.

However, the child is not a family income**, so there is no need to have life insurance for the child.

Therefore, there are three types of insurance that are mainly configured for children: accident insurance, medical insurance and critical illness insurance.

There are many products to choose from, such as child accident insurance and medical insurance, depending on the situation of different families.

Here we will focus on how to choose children's critical illness insurance, which is more headache and difficult to buy.

The allocation of children's critical illness insurance follows two principles:

The sum insured should be sufficient: The child's insurance amount should be at least 500,000, not only as a medical reserve, but also to cover the annual family income for 3-5 years. If you choose whole life critical illness insurance, try to choose a product that pays multiple claims.

When buying critical illness insurance for your child, don't be blinded by gimmicks, and consider other highlights when you have the disease protection in place.

All in all, when we buy insurance for our children, we must first configure our own insurance, because we are the support of the family's economy. When we are healthy, children can grow up and be happy!

Facts**

Is it necessary to buy insurance for newborns? Insurance and financial experts point out that it is understandable for parents to buy insurance for their newborns. For babies who are just one or two months old, parents can first improve children's medical insurance, and then pay attention to accidents, serious illness protection insurance and other types of insurance for their children.

Experts pointed out that with the gradual growth of newborns, parents need to focus on different aspects when buying insurance, and use this as a basis to carefully insure insurance. What is the best coverage for children's critical illness insurance? Which ones are cost-effective?

Which one is the best to buy? Let's take a look at the inventory of the top 10 insurance companies' best-selling children's critical illness insurance.

Which is the best way to buy insurance for a newborn?

What is the best insurance for a newborn? Depending on the circumstances of each family, it is not possible to generalize what kind of newborn insurance to buy, but there are a few basic principles that can be grasped: the first is to do what you can; The second is that priority should be given to the family pillar, because the family pillar is the family's ability to continue earning, and the third is that the type of protection should be prioritized, such as medical insurance and accident insurance.

In addition, the probability of neonatal death is high, preschool children have poor resistance, and are prone to some epidemic diseases, while the proportion of general medical compensation for insurance with death as the payment condition is not high. Therefore, it is recommended that parents buy more hospitalization medical compensation insurance.

A guide to buying insurance for newborns

At present, the types of children's insurance provided by domestic and foreign-funded insurance companies in the domestic market are mainly education funds and medical insurance, and medical care is divided into outpatient and emergency care for major diseases, hospitalizations and accidents. Experts recommend that the sooner your baby buys insurance, the better, and that the insurance that starts early is the best insurance. The younger the insured, the lower the premium.

According to the above principles, parents should consider not exceeding 10% of the family income when buying insurance for their newborns, otherwise it will cause greater economic pressure. Finally, parents need to note that the exemption function of children's insurance is very important, and it must be added, and it must be added to the family breadwinner. Which insurance company is strong, I just sorted out the relevant content, I hope it will help you:

The latest list! Ranking of the top 10 insurance companies in the country.

A leader in high-end medical insurance for newborns

Newborns have low resistance and are prone to some diseases, and with the age of newborns, health problems need to be paid close attention to by parents. Newborns can tend to choose China Merchants Cigna high-end medical insurance, a one-stop insurance plan, breaking through the restrictions of social security and medical insurance, with a wide range of medical treatment, no longer distinguishing between social security and non-social security catalogs, parents do not need to consider the constraints of social security when seeking medical treatment for their children, there are no restrictions on imported medical drugs and imported materials, so that the child can concentrate on treatment, and the newborn can also enjoy the injection service of imported vaccines to meet the needs of newborns for special wards. Help parents make appointments with hospitals and specialists in advance, and can also provide a second medical advice service depending on the child's condition.