What insurance is good to buy for newborns

First of all, let me show you the senior sister, who stayed up late some time ago and rushed out of the children's critical illness insurance evaluation article"2020 Top 10 [Cost-effective] Critical Illness Insurance Rankings".

Children's self-regulation ability is relatively weak, and the balance in the body is easy to be broken and cause illness, so it is very necessary to buy insurance for children. There are so many kinds of insurance, which ones are more useful? Next, let's talk about which insurance is the best to buy.

1. Children's medical insurance

First of all, the most important insurance for children is children's medical insurance. Medical insurance is a welfare insurance, and its insurance fund pool is composed of three parts: "individual payment", "collective support" and "** funding". It only costs one or two hundred yuan a year, so the first insurance that should be configured for children is medical insurance.

However, the protection brought by medical insurance is very limited, there is a minimum payment line, a ceiling line, and many self-financed drugs cannot be reimbursed. Therefore, if you want to get comprehensive protection, it is not enough to buy medical insurance, you have to buy commercial insurance to fill the gap in protection.

2. Critical illness insurance

Critical illness insurance is mainly used to deal with the risk of critical illness. Unlike medical insurance, critical illness insurance is a benefit-based insurance, and as long as the illness is covered by the insurance contract, you can get compensation from the insurance company. If the child unfortunately suffers from a serious illness, parents can get an insurance payment from the insurance company for emergency, and parents can also take care of the child wholeheartedly, and they can not worry about money for the time being.

In addition, there are many children's critical illness insurance policies with stronger targeted protection, which are more suitable for children, and many can also be supplemented with policyholder waivers.

3. Medical insurance

For ordinary families, the two types of medical insurance, "million medical insurance" and "small medical insurance", are more useful, of which the million medical insurance is mainly used to protect major illnesses with relatively high medical expenses, and its insurance amount is relatively moderate, which can cope with larger medical expenses, but its deductible is also higher, generally between 10,000 and 20,000. The small medical insurance refers to those insurances with relatively small reimbursement amounts, usually speaking, his insurance amount is only 120,000 yuan, and at the same time, his deductible is not high, only 100,200 yuan, and some products even have zero deductibles. In terms of coverage, it is very practical for children, including medical expenses caused by illness and accidental injury, as well as general medical outpatient expenses.

Due to the general medical outpatient coverage, even children with fever and cold can be compensated.

4. Accident insurance

Children are more lively, like to try new things, small bumps in daily life is always unavoidable, such as fall injuries always occur from time to time, so it is a good choice to buy a children's accident insurance for children, choose those insurance content contains a relatively high probability of accidental injuries in daily life, such as cat and dog bites, sports fractures, hope!

Hello, I am an insurance broker, helping customers to choose the best protection plan from various insurance companies, not to buy the wrong insurance, not to buy expensive insurance.

There are the following suggestions for buying insurance for newborns, and choose to buy them based on your own needs and financial situation:

1. After the birth of the child, the child will first be registered, and then pay the medical insurance for the child in the community, because medical insurance is the most basic medical security.

Clause. 2. Commercial insurance 1, minor illness medical treatment and accident medical treatment.

Minor illness hospitalization medical insurance is an effective supplement to medical insurance, whether it is a cold, fever, diarrhea, or other hospitalizations due to illness can be reimbursed, and the general reimbursement ratio can reach about 95.

2. Accidental medical treatment.

The general insurance ratio is between 100-1000 and 95-100 reimbursement.

3. Million medical insurance.

This type of insurance has a high amount, generally 3 million to 5 million, with comprehensive protection, and special drugs are also covered by the protection, which is more comprehensive.

4. Hospitalization subsidy.

Regardless of whether it is hospitalization due to accident or illness, the insurance company subsidizes 100-300 yuan per day for nutritional subsidies.

5. Critical illness insurance.

Because of the high incidence of critical illness, the high rate, the high cost, and the age of serious illness are getting lower and lower.

Therefore, it is absolutely necessary to purchase critical illness insurance, the younger the child, the cheaper the premium, and the longer the insurance lasts.

6. Education reserve insurance.

Through annuity insurance, you can save education funds for your children, and whenever your children reach a certain age, you can receive part of the funds every year to supplement your education expenses.

Summary. Hello, dear, buy critical illness insurance + medical insurance + accident insurance.

Hello, dear, buy critical illness insurance + medical insurance + accident insurance.

1. Critical illness insurance: Newborns have weak physique, and there are many high-incidence neonatal diseases, including leukemia, high-incidence critical illnesses for minors, and high costs. 2. Medical insurance:

Newborns have weak constitution, poor immunity, often sick and hospitalized, major and minor illnesses, and the newborn is equipped with hospitalization insurance and million medical insurance, whether it is a major illness or a minor illness, the hospitalization expenses can be reimbursed. 3. Accident insurance: In the process of growing up, newborns will be lively and curious, and there are many risks around them, such as the risk of falling and falling, cat scratching and dog bites, and accident insurance can be reimbursed for hospitalization caused by accidents.

Thank you for the consultation.

The senior sister suggested that the allocation of insurance for newborns can be considered from two aspects: children's social security and children's commercial insurance. Parents who don't have time to read it first bookmark this article: In-depth good article - how to buy insurance for your child?

First of all, before configuring commercial insurance for newborns, it is necessary to configure children's medical insurance. Children's medical insurance is a national welfare insurance, with low premiums and few insurance restrictions, which is enough to cover the most basic medical protection for newborns.

In terms of commercial insurance, it can be considered from children's medical insurance, critical illness insurance, and accident insurance.

Although children's medical insurance covers a wide range, the scope of reimbursement is limited after all, and most medical insurance can reimburse medical expenses outside the medical insurance catalogue and can be used as a supplement to medical insurance. Like micromedical insurance, although the amount is not high, the deductible is relatively low. If you want to pursue greater protection, you can also consider millions of medical insurance, not only the reimbursement amount can reach several million, but some excellent products even have value-added services such as green channels, which can provide high-quality medical services to children.

Newborns are curious about the world, but there are too many accident risks buried around them, so it is necessary to configure a children's accident insurance! There is protection for the children, and the parents are also at ease. Children's critical illness insurance is also equally important, because its compensation can be used freely, which can not only solve the problem of ** expenses and medical expenses, but also compensate parents for the loss of income caused by taking care of their children and delaying work.

In the order of assigning insurance to the baby, first consider medical insurance and accident insurance, which are the basis and the cost is relatively low.

If conditions permit, you can configure critical illness insurance for your baby, and the characteristics of critical illness insurance are that the younger the age, the lower the cost.

On the basis of the above, if there are conditions, give the baby an education fund.

The main insurance buys a critical illness insurance, the cost does not need to be high, mainly to attach additional insurance such as hospitalization peace of mind, and the payment period is longer, which is not very stressful.

Nowadays, there are many varieties of insurance, including financial insurance and health insurance, which depends on you. Economic conditions. If you want to buy a wealth management, you may have to pay a little more.

If you buy a health insurance, you may have to pay a little less, in fact, I think. It is better to buy a health insurance policy. There is no need to put it in the insurance company, and it is safer to put it in the bank.

Buying insurance is to buy a protection for yourself, but also a psychological comfort, when the baby is just born, many mothers will also want to buy an insurance for their children, in fact, there are many insurance on the market specifically for women during pregnancy, this kind of insurance coverage will be more extensive, generally around the baby. The content of the insurance is also for the diseases caused by the pregnancy of the woman and some diseases of the congenital child, which can give the pregnant woman and the child a protection. However, there are many types of insurance on the market, and expectant mothers should make a choice based on their own needs and family situation.

Choose the type of insurance you need to have

First of all, there are two types of maternal and infant insurance, one type is specialized maternal and infant insurance, and the insurance content completely revolves around the mother and child. The other is additional, such as maternity insurance, which only covers the scope of maternal and child insurance. Whether you need to buy professional maternal and child insurance, or just buy insurance that includes the scope of maternal and child insurance, you need to look at your choice.

The difference between the two types of maternal and child insurance

Simple maternal and infant insurance will be more targeted and more secure, but the insurance period is generally shorter, about five years, and this insurance coverage includes the mother's body and the baby's body. Some insurance plans also provide a survivable benefit for the duration of the policy. If you suddenly want to buy maternal and infant insurance when you are about to give birth, then you can only choose simple maternal and infant insurance.

The basis for choosing insurance

When choosing maternal and infant insurance, you must pay attention to how long this insurance is valid and don't fall for the insurance company's word games. And it's best to choose a good insurance plan when you're trying to get pregnant, and don't wait until you're pregnant or even have a baby to buy it. When buying maternal and child insurance, you should also remember to choose the one that has been insured for a longer period of time, so that for the mother, there will be more long-term protection and higher planning, and you can't just consider the relatively short period after giving birth.

Again, the coverage of the insurance should be as large as possible.

Newborns can choose to buy accident insurance, million medical insurance, critical illness insurance, life insurance, and education insurance, whether it is for future education or physical condition.

Newborns can buy some critical illness insurance, comprehensive protection insurance, and some accidental medical insurance. It is best to buy these insurances separately, and never buy them together, so that if something happens, it will be very troublesome to settle the claim.

Accident insurance, medical insurance, these insurances are better for children, and they must be bought for life.

You can buy some accident medical insurance, critical illness insurance, education insurance, health insurance, and life insurance. It's all very good.

Every newborn baby is the heart of the parents, and naturally hopes to provide the best protection for the child, so what insurance should the newborn buy?

1.Doctor Hu Ye Nianbao.

At present, the medical insurance policy has covered the newborn population, so the first insurance that parents buy for their children should be medical insurance.

2.Accident insurance.

Since newborns are relatively weak, the frequency of accidents is relatively high, so it is very necessary to purchase an accident insurance.

However, it should be noted that the state stipulates that the death benefit of juvenile accident insurance cannot exceed 200,000 yuan, so there is no need to buy accident insurance with too high insurance amount, and it is best to match it with 0 deductible or accident medical treatment with low deductible.

3.Critical illness insurance.

It is not uncommon for children to suffer from critical illnesses, so you can choose to purchase a critical illness insurance.

The rule of critical illness insurance is that the younger the age, the cheaper the premium, so it is a good time for newborns to buy critical illness insurance, and families with conditions can consider it.

4.Medical insurance + education chiropractic insurance, etc.

In addition, if the financial conditions allow, you can also consider configuring medical insurance or education insurance, but it is recommended to give priority to adults after adults, and follow the rule of protecting adults first and children second.