What kind of insurance should I buy for a 4 year old?

There are two main questions for small children.

1。If you have weak self-ability, you should consider accident insurance first.

2。In the process of growing up, the cost is large, and the pressure on the education fund is high, so you can choose to participate in the insurance education fund reserve.

Others, such as critical illness insurance, can be considered based on one's own financial situation.

Hope it helps.

Children are active by nature and do not know what dangers are, so it is necessary to take out accident insurance for children. Pay until the age of 20, the annual payment is only 4, the economic strength is very strong: you can buy some financial insurance. In the above.

There are two main considerations for young children: education and accidents.

From the day a child is born, it is already a priority to prepare a sum of money for education. The cost of compulsory education is getting more and more expensive, and it costs 100,000 yuan to go to university, not to mention the cultivation of children's hobbies. Expenses such as swimming, playing the piano, etc., are also a large amount of money.

If the economic conditions are okay, buy a combination of insurance plans, the preparation of education funds, the protection of unexpected risks and the risk transfer of major diseases that are getting younger and younger, and at the same time, you can also get personal protection, so that the baby can get comprehensive care.

Wishing health and peace forever!

The most basic insurance package for children, in a nutshell, a one-year-old baby example:

1. If you invest in education funds for children, pay a total of 100,000 yuan in 15 years, then you can receive more than 10,000 yuan when your child reaches high school and college, you can receive 50,000 yuan when you get married, and there are more than 70,000 yuan in the account at this time, if you receive a pension after the age of 60, you can receive more than 5,000 per month, and a total of 1.2 million in 20 years! After the age of 80, there are still about 200,000 in the account! By the age of 100, there will be 680,000 in the account!

Get your premium back every 3 years!

2. In addition, there is a comprehensive accident hospitalization medical insurance! Reimbursement for all accidental hospitalizations and medical malpractice is included! There is no limit to the number of reimbursements, and the waiting period for hospitalization is only 30 days!

Ping An Card is a self-service insurance card product with critical illness specially customized for children who have been born for 30 days or more and have been discharged from the hospital to the age of 18 years old.

Product features:1Support off-site claims, reduce claims settlement links, and save claim time.

2.Comprehensive coverage, including accident and critical illness protection.

3.The Children's Critical Illness Benefit covers 15 common fatal illnesses.

4.Increase the amount of hospitalization medical insurance coverage caused by accidental injuries on campus during statutory school hours to protect the physical and mental health of students.

5.The insurance coverage is wide, and anyone who has been born for 30 days and has been discharged from the hospital until the age of 18 is in good health and can live and study normally.

6.The waiting period for critical illness is only 30 days, and once diagnosed, Ma Shuxun will pay the full amount of critical illness insurance, so that the solemnity of raw potatoes can be extended and the old age can be continued.

7.The application procedure is simple, and you can apply for insurance anytime and anywhere.

8.Premiums are low, less than 3 cents a day.

The market price is 100 yuan, and the money bag net is 95 yuan, which is very cost-effective, and it is recommended to buy.

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 serious illness is not high, so the money spent on buying insurance is the least in all ages, and the cost performance is extremely 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 [Xueqiao Qishu Potato Ba 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.