The child is 4 years old, what kind of insurance should I buy?

First of all, adults are the main breadwinners of the family, and children's premiums are also paid by adults, so when buying insurance, you must buy it for the public first, and then consider children.

Secondly, human life and health are the most important, if there is no life and health, then nothing is meaningless, without life, then who will take care of the children? Therefore, when buying insurance, you should pay attention to accidents and health first.

New China Insurance, the insurance company that grew up, Xinhua Insurance Beijing Branch.

For four-year-olds in early childhood, health insurance and accident insurance are the first choice, and a comprehensive children's insurance plan (education**, marriage and entrepreneurship funds, accident insurance, medical insurance, etc.) should be considered.

If the child is sick, on the one hand, the financial burden of the family can be reduced through the insurance money, and on the other hand, the child can enjoy better medical services, recover health as soon as possible, and usher in joy and happiness again.

In addition to health insurance, an accident insurance is insured, once the child has an accidental injury, the insurance company will pay a certain amount of money accordingly to disperse the accident risk borne by the family.

If you consider factors such as education and growth security, parents can also prepare a comprehensive children's insurance for their children, which generally includes children's education**, marriage and entrepreneurship funds, accident insurance, medical insurance, etc.

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

Hey? Recently, it seems that many people are talking about how to buy insurance for children, so I'll come to the class to get an axe, talk about how children buy insurance, if you are interested, you can find out:

"Designed for 4-year-olds! Comparison Table of 136 Critical Illness Insurances in China

4-year-old children are still young, and the probability of suffering from critical illness is not high, so the money spent on insurance is the least for all ages, and the cost performance is very high, and there are many products to choose from. Let me talk about the general idea, mainly including:Critical illness insurance + accident insurance + medical insurance

1.Critical illness insurance

Although the probability of children suffering from critical illness is generally not high, some children with critical illness will often suffer from it, so it is recommended to buy it. How much does it cost? Only a few hundred dollars a year!

And there are hundreds of thousands of insurance amounts, and the cost performance is invincible. Which critical illness insurance products are worth buying? Don't miss it when you walk by

"Designed for 4-year-olds! Top 10 Cheap and High-Quality Critical Illness Insurance in 2021

2.Accident insurance

Children are more lively, often falls, burns, these situations, buy an accident insurance, can protect this situation after the unfortunate occurrence, there are enough expenses for the follow-up. Is child accident insurance expensive? It is not expensive, it is less than 200 a year, it is recommended to buy.

So is there a comprehensive and cost-effective product? Some! A must see

"Designed for 4-year-olds! 10 types of children's accident insurance! 》

3.Medical insurance

Medical insurance is a cost-effective type of insurance, known for its low premiums and high sum insured, and is generally purchased with critical illness insurance, which mainly protects the expenses of hospitalization, drugs and other expenses, and the premium is not expensive, there are millions of reimbursement amounts for more than 100 a year, it is recommended to buy!

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

To buy insurance for children, critical illness must be the primary consideration, mainly considering critical illnesses in childhood, such as Kawasaki disease, leukemia, etc., it is recommended to buy regular products to protect the child to adulthood, if the premium budget, also want to buy lifelong products, you can consider multiple claims for critical illness.

The other is accident insurance, because children are generally active and curious, so the configuration of accident insurance is necessary, but because the state has certain insurance requirements for minors, pay attention not to exceed the prescribed insurance amount when purchasing.

In addition, before buying insurance for children, parents must be protected first, so that parents can really protect their children before they are minors.

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