Insurance suitable for middle school students, what insurance to buy for high school students

Middle school students are equipped with insurance, and the senior sister suggests that you can buy critical illness insurance, million medical insurance and accident insurance. If you don't know much about these major types of insurance, you might as well take a look at this article first: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

1. Critical illness insurance.

Critical illness insurance, as the name suggests, is mainly a type of insurance that covers the huge economic risks caused by critical illness. With the increasing number of critical illnesses in modern society and the high academic pressure of secondary school students, the possibility of secondary school students suffering from critical illnesses is also increasing.

However, due to the fact that middle school students do not have an independent financial **, if they unfortunately suffer from a critical illness, it will be a considerable blow to themselves and their families, so critical illness insurance is very important for secondary school students.

2. Million medical insurance.

Million medical insurance is mainly to reimburse the reasonable medical expenses incurred by middle school students who are sick and admitted to the hospital** according to a certain percentage, and the reimbursement amount is as high as one million yuan. In addition, for some ** critical illnesses, the special medical technology and imported drugs that need to be used are all within the scope of reimbursement of million medical insurance.

The premium of the million medical insurance is also relatively affordable, and you can get millions of levels of protection with a premium of a few hundred yuan, which is very suitable for middle school students.

In this regard, the senior sister has prepared a list of millions of medical insurance with high cost performance, parents should not miss it: the latest top ten million medical insurance rankings are newly released!

3. Accident insurance.

Accidents are everywhere, whether middle school students are on the way to and from school, or in various sports in school, there is a risk of accidents, and middle school is the most rebellious in most people's lives, but also the most energetic period, often jumping up and down, running in and out. Accidents such as bumps, falls, and falls can be said to be relatively common. Therefore, it is necessary to buy an accident insurance for secondary school students.

Hello, buying the right insurance for you should be tailored to your actual situation. For a 34-year-old single woman, you must pay attention to the content and duration of health insurance, due to the special constitution of women, it is recommended to buy a special women's insurance to protect yourself. The specific type of insurance is best to compare and choose from an insurance company or a professional insurance platform according to your actual situation, and here is a reference link for you:

Women's Health Insurance).

High school students should purchase three levels of insurance:

1. The location of the high school student's household registration.

They should participate in State social insurance.

For example, through the medical insurance for community urban residents, the rural household registration is to purchase a new type of rural cooperative medical care.

2.High school students generally have student safety insurance purchased by the student hospital at the time of enrollment, referred to as study insurance, which mainly covers accidental medical treatment.

3. Parents of middle school students can purchase commercial medical insurance and critical illness insurance according to their family budget.

and other insurance to solve the cost of medical treatment for students. Of course, those with good economic conditions can purchase annuity insurance such as education**.

Extended information: 1. Insurance function.

1. Insurance must be risky. The purpose of the insurance system is to deal with the occurrence of specific dangerous accidents. If there is no risk, there is no insurance. In order to apply the principle of large numbers.

The risk of possible benefit is not insurable, hence commercial insurance.

Institutions generally do not cover such risks.

2. Insurance must provide financial compensation for losses caused by dangerous accidents. The so-called financial compensation.

It means that this compensation is not the restoration of the damaged original, nor is it compensation in kind, but monetary compensation. Therefore, the loss caused by the accident must be economically calculable. In life insurance, people themselves cannot calculate value, but human labor can create value.

The death and disability of a person will lead to the loss of labor, which will reduce the income of an individual or his or her family and increase expenses. Therefore, life insurance uses financial compensation or payments to compensate for this increased financial burden and does not guarantee that people will recover lost labor or lives.

3. There must be a mutual relationship between insurance. The insurance system reduces the losses of the affected units by spreading the losses over multiple units. Through insurance, the policyholder pays the insurance premium together, establishes the insurance compensation**, and obtains protection together.

4. The insurance premium of Yanhong liquid must be reasonable. Insurance indemnity** is shared by the insured. In order for everyone's burden to be fair and reasonable, it is necessary to calculate the contribution scientifically.

2. Commercial insurance.

First of all, it is voluntary. The establishment of the legal relationship of commercial insurance is realized by the policyholder and the insurer voluntarily entering into an insurance contract on the basis of equality, mutual benefit and consensus, and in accordance with the principle of autonomy of will, while social insurance is enforced by the policyholder. Secondly, it is a profitable object.

Business insurance is a business practice. No matter what form of organization the company adopts in the commercial insurance business, it is for the purpose of making profits, while social insurance is for the purpose of ensuring the basic living needs of members of society; Then, from the perspective of business scope and the principle of insurance compensation and security payment, commercial insurance includes property insurance and life insurance. By investing in a corresponding amount of insurance premiums, you can obtain a corresponding amount of insurance benefits within the scope of the insured value, which reflects the principle of more insurance and less insurance, while social insurance is limited to life insurance and does not give differential protection based on the insured amount, but reflects the basic social security principle.

The senior sister suggested that it is more appropriate to give high school students priority to buy critical illness insurance. Because the insurance money paid by critical illness insurance can be used at will, which can be used to pay for medical expenses and make up for the loss of income during the care of parents.

Nowadays, Mu Qing's critical illness has not only befallen the elderly, but even high school students. Critical illness insurance is an insurance that can protect critical illnesses, and a critical illness insurance for high school students can provide them with corresponding protection.

Senior sister here for you to sort out some suitable for high school students to buy critical illness insurance, interested friends can take a look: updated every Monday! 【0 18 years old】Top 10 popular critical illness insurance points worth buying** points!

If you still have sufficient funds on hand after configuring critical illness insurance, you can also configure medical insurance and accident insurance, so as to provide more comprehensive protection for high school students.

1. Medical insurance.

At present, the medical insurance that is more suitable for high school students in the rapid reform of the market is the million-dollar medical insurance. High school students can get millions of yuan in reimbursement with a premium of only a few hundred yuan per year, which is very cost-effective.

2. Accident insurance.

Accident insurance is an insurance that pays insurance benefits based on the death or total disability of the insured due to accidental injury. High school students go back and forth between school and home every day, and there will be a situation where they play with their classmates at school, and the probability of accidents is relatively high, so if economic conditions allow, accident insurance is also recommended to be configured.

The above is the relevance of the question, if you still want to know more about the relevant content, you can also take a look at this insurance guide prepared by the senior sister: in-depth article - how to buy insurance for children? Netizens shouted: Why did you only see it now.

One of the most important things to ignore is to make a clear school and level the risk. The full name of Xueping Insurance is "Student Ping Insurance", and the school collects the premiums on behalf of the general students, and the insured only needs to pay a premium of dozens of yuan to obtain a number of protections including accidental injury, accidental injury medical treatment and hospitalization medical treatment. It is the most extensive and common insurance for children and teenagers.

The best feature is that the premiums are cheap and wide-ranging, making it ideal for underage students.

With the characteristics of low payment, wide use, strong protection and simple procedures, Xueping Insurance is a group insurance that accompanies Zheng and is very suitable for minor students. Generally, the school collects and collects the student as soon as he or she enrolls. For the 13-year-old son to buy school insurance, it is more appropriate to choose the insurance amount below 100,000 yuan, because the Insurance Regulatory Commission stipulates that "for minors to be insured, the maximum risk insurance amount with death as the payment condition shall not exceed 100,000 yuan".

During the school period, if the child dies due to accidental injury or illness caused by body fluids, the insurance company will pay the death insurance benefit according to the agreed insurance amount; In the event that a child suffers an accident and becomes disabled within 180 days from the date of the accident, the insurance company will follow the insurance contract attached to the insurance contract"Degree of disability and benefit ratio"The prescribed proportion is multiplied by the agreed amount of insurance to pay disability insurance benefits.

Learner's insurance or personal life insurance or other accident insurance.

The first choice for insurance suitable for elementary school students is "Xueping Insurance".

Most life insurance companies have similar products, which can supplement the losses caused by sudden campus catastrophe risks while protecting students' individual accidental injuries. All kinds of colleges, technical secondary schools and vocational college students who can study normally in school can participate in this insurance. The minimum age for insurance is 3 years old, and the insurance is paid for one year at a time.

There are generally specific restrictions on how much money you can invest in a year.

With the characteristics of low payment, wide use, strong protection and simple procedures, it is an exclusive and very suitable group insurance for underage students. Generally, the school collects and collects the student as soon as he or she enrolls. Xueping insurance is cheap, but there is a lot of protection, only a few tens of yuan covers accidental injury, accidental outpatient, inpatient medical and other protection, is the first choice for children to insure.

At present, the accident insurance for primary school students launched by commercial insurance companies mainly covers three aspects: accidental death, accidental medical treatment, accidental and hospitalization due to illness. Student accident insurance covers a wide range of "natural and man-made disasters".

**, accidental injuries caused by natural disasters such as floods, campus liability insurance does not pay, while accident insurance is covered. Medical insurance and student card are bought together: The student card has a low rate, but the comprehensive compensation is higher.

Purchase other commercial insurance as appropriate.

In addition to accident insurance and education insurance, families with better conditions can also purchase critical illness insurance. "After all, medical insurance and commercial insurance are different from critical illness compensation, the former is reimbursement, and the latter is directly paid. Insurance experts believe.

Many families are willing to invest in their children, but neglect their own protection. It is worth reminding that the general principle of buying insurance is to first adults and then children, first the pillars of the family and then other members, first meet the amount of insurance and then consider the premium, and the general order of children buying insurance is: accident, medical, critical illness, education, and financial management.

It can be implemented in a step-by-step or integrated manner depending on the economic situation.

Suitable for primary school students, the bending spine insurance - related chain burial and seepage.

Precautions for primary school students.

1.Remember the principle of insurance: the general principle of buying insurance is to put the adults before the children; The pillars of the family before the other members; Meet the sum insured first and then consider the premium; The general order in which a child buys insurance is:

Accident - Medical - Critical Illness - Education - Financial Management. It can be implemented in a step-by-step or integrated manner depending on the economic situation.

2.General accidents: In childhood, bumps and bumps are inevitable, and children are prone to colds and fevers, etc., through comprehensive accident insurance, accidental medical treatment, hospitalization, surgery and other expenses can be reimbursed to compensate for financial losses.

3.Young children are delicate and at higher risk of disease, and the sooner they are insured, the sooner the protection will be realized. It is not helpful to buy too much accident insurance for children, and it is best to control the proportion of accident insurance for children in the family's premium expenditure to less than 10%.

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

1. Chinese life:

Chinese Life Insurance (Group) Company and its subsidiaries constitute the largest commercial insurance group in China and one of the largest institutional investors in China's capital market.

2. Ping An of China

Ping An Insurance (Group) Co., Ltd. is a financial company listed on the Hong Kong Stock Exchange. Founded in 1988 in Shekou, Shenzhen, it is the first joint-stock insurance company in China, and has developed into an integrated, close and diversified comprehensive financial service group integrating insurance, banking, investment and other financial services.

3. Pacific Insurance:

China Pacific Insurance, also known as Pacific Insurance, referred to as China Pacific Insurance or Taibao, formerly known as China Pacific Insurance Company, was established on May 13, 1991, and is a national joint-stock commercial insurance company approved by the People's Bank of China.

4. Chinese Insurance picc:

Chinese People's Insurance Group Co., Ltd. **** (hereinafter referred to as Chinese Insurance) is a comprehensive insurance (finance) company with a registered capital of 30.6 billion yuan.

5. Xinhua Insurance:

Founded in September 1996 and headquartered in Beijing, New China Life Insurance Co., Ltd. (hereinafter referred to as "Xinhua Insurance") is a large-scale life insurance company.

6. Taikang Insurance:

Taikang Life Insurance Co., Ltd. **** is a national, share-based life insurance company established on August 22, 1996 with the approval of the head office of the People's Bank of China, headquartered in Beijing.

7. AIA:

Founded in 1931 and headquartered in Hong Kong, AIA**** (AIA) is a wholly-owned subsidiary of AIG and has been serving customers in Asia for more than 70 years.

8. China Taiping:

Founded in Shanghai in 1929 and engaged in overseas life insurance business in 1956, China Taiping Life Insurance Co., Ltd. was one of the strongest, largest and largest national insurance companies in China's modern history, as well as one of the Chinese life insurance companies with the longest operating time and the longest brand history in China's insurance market.

9. Sunshine Insurance:

Sunshine Insurance Group Co., Ltd. is one of the seven major insurance groups in China.

1. China's top 500 enterprises.

10. Life Insurance:

Life Insurance Co., Ltd. is an international joint-stock professional life insurance company, approved by the China Insurance Regulatory Commission, established in Shanghai on December 28, 2001.

Extended reading: [Insurance] How to buy answers, which is better, teach you to avoid these of the safety sails"pits"