How do I buy insurance when I have a child?

Xueba says insurance, only recommend insurance that is really useful for children! This year, the comparison table of 136 hot-selling critical illness insurance for children aged 0-18 has been updated

You can click on it to take a look, I hope it will help you.

What insurance is good for children

I don't know how much this problem has stumped and how many parents want to give the baby comprehensive protection, so let's sort out the methods and ideas for buying insurance for the child! Keep these three points in mind:

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, in addition to the basic insurance of national medical insurance, commercial insurance should also be considered, and critical illness insurance + medical insurance + accident insurance should be given priority.

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, in addition to solving the problem of medical expenses, it can also solve many hidden problems caused by illness, such as children who delay their studies because of illness, and even some subsequent life losses, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance policy can be used to solve these problems.

Let's talk about why we need to configure medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, to configure a 0 deductible hospitalization medical insurance, as long as one or two hundred yuan per year, you can buy an insurance amount of 10,000 yuan, which is very practical.

Finally, let's look at accident insurance, children's accident insurance is very cheap, 200,000 yuan per year, only sixty or seventy yuan, you don't see that the money is not much, but in fact, the protection is quite extensive, accidental death, disability, accidental medical liability are within the scope of protection, especially practical.

Third, what insurance should not be bought for children?

Don't buy life insurance for your children, and try not to think about critical illness insurance with both liabilities attached. I know the specific reasons in this articleDon't buy either type of insurance for your child! Comprehensive insurance strategy!

has been introduced in detail, because there is already a detailed analysis in the manuscript, so I won't spend too much space 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, cheap and useful.

That's all for me"How do I buy insurance when I have a child? "All of them, I hope it helps you! Hope!

Experts suggest that the younger you are, the cheaper the premiums you pay and the more cost-effective the life insurance you buy. Since the insurance payment of life insurance is exempt from various taxes, according to the usual thinking in foreign countries, the property can be transferred to the children's name by helping them buy insurance, so as to achieve the purpose of tax avoidance. At the same time, in order to prevent parents from being unable to continue to pay premiums during the insurance period, they can purchase a premium waiver rider at the time of purchase of the main insurance, so that in case of the death or high disability of the parent, the insurance company will pay the premiums on behalf of the child, so that the child's protection will continue to be effective.

How do I buy child insurance? When buying insurance for your children, you should not compare yourself with each other, and you should live within your means according to your family's financial situation. Some types of insurance look good, but careful calculation will find that the cost is higher, parents should keep their eyes open when choosing; The payment period should not be too long, because the child should choose the appropriate insurance when he grows up; In addition, the more flexible the payment period, the better, such as annual payment, three-year payment, etc.

It is worth reminding that children are important, but don't forget that parents are the income after all. Only insure the child, once the parent has an accident, such as unemployment or death, the child will lose the protection **, and if the premium is too much, not to mention the future, it may affect the life of the family now. The annual premium paid for the child should not exceed the parent's premium, and if it cannot be taken into account, the adult should be the mainstay.

Moreover, it is necessary to consider and arrange the insurance plan of the whole family in a unified manner, avoid overlapping and duplication between policies, and let the limited funds play the best role.

How do I buy insurance for my baby?

The first point is that children should never buy life insurance, because life insurance is enough for the family's financial support. Secondly, the budget is not enough to buy a fixed term, buy for ten years, and wait for ten years after the baby grows up, you can configure a suitable product for yourself at that time. Finally, don't buy dividends, this kind of insurance is actually incomplete, and dividends are not as good as bank deposits.

When buying insurance for your child, you should pay attention to these three points:1It is recommended not to buy death insurance; 2.

It is not advisable to buy returnable insurance; 3.Don't just leave your child alone. The child is young, and the insurance premium is not expensive.

On the basis of social security, the child is fully equipped with accident, medical and critical illness insurance, which is about more than 1,000 per year.

Three tips for buying insurance for your child: It is recommended not to buy insurance that specifically covers death, it is better to buy sickness and accident protection first; It is not advisable to buy returnable insurance; Don't just take care of your children, on the basis of social security, you can provide your children with accident, medical and critical illness insurance, and save some money to protect yourself.

More than 1,000 per year can be fully insured for children. First, children's medical insurance, which is the basic welfare given by the state. Second, children's critical illness insurance.

The sum insured of 500,000 yuan is guaranteed for 30 years, 600 yuan per year. Third, million medical insurance, 6 million hospitalization protection, 800 yuan per year. Fourth, children's accident insurance, 200,000 accident insurance, 60 yuan per year.

Children have to buy life insurance in addition to them.

How to buy the most practical child insurance? How to buy the most cost-effective child insurance? I'm Deep Blue Insurance, focusing on insurance evaluation! Pay attention to Deep Blue Insurance, teach you to buy insurance and not pick pits

Buy insurance for your child and avoid these pitfalls first!

Buying insurance for your child can be done for a few hundred dollars a year, but remember these three points! First, don't buy life insurance for your children; Second, don't buy a return type; Third, if you don't have enough budget, buy term critical illness insurance.

Three tips for buying insurance for your child: It is recommended not to buy insurance that specifically covers death, it is better to buy sickness and accident protection first; It is not advisable to buy returnable insurance; Don't just take care of your children, on the basis of social security, you can provide your children with accident, medical and critical illness insurance, and save some money to protect yourself.

Purchasing insurance is an important step in providing your child with financial security and future development. Here are the steps to buy insurance for your child:

Determine your needs: First, determine your purpose and needs for purchasing insurance. Consider your child's needs in terms of health protection, education fund reserves, future development, etc.

Choose the right type of insurance: Choose the right type of insurance based on your child's needs and family situation. Common options include children's medical insurance, education fund plans, children's critical illness insurance, etc.

Compare different insurance products: Compare insurance products offered by different insurance companies, including coverage, premiums, payment conditions, claim history, etc. Understand the pros and cons of different products and choose the one that best suits your child's needs.

Seek professional advice: Consult an insurer** or financial advisor to ask them about your choice of insurance product and seek professional advice from them. They can help you assess your needs, explain the terms, calculate the cost, and more, and provide you with professional guidance.

Get Insurance** and Instructions: Apply for insurance from the insurance company of your choice and get coverage** and detailed insurance instructions. Make sure you understand important information about your plan's cost, coverage, deductible, and more.

Submit the application and documents: Fill out the application** and provide the required materials according to the requirements of the insurance company. Documents such as the child's identification, medical records, proof of household income, etc., may be required.

Review and sign the contract: The insurance company will review your application and send you the insurance contract after approval. Read the terms of the contract carefully and make sure you understand the rights and responsibilities.

Payment of premiums: According to the contract, the insurance premiums are paid within a specified time. Make sure to pay your premiums on time to keep your insurance valid.

Regularly evaluate and update your insurance plan: As your child grows and needs change, it is necessary to regularly evaluate and update your insurance plan. Make sure the insurance plan remains tailored to your child's health, education, and future needs.

The process of purchasing insurance for your child requires careful evaluation and research to ensure that you choose the most appropriate insurance product and insurance company. Work with professionals to create the best insurance plan together.

The above is Dad's, if you don't understand something, please send a private message.

I believe that many parents and friends don't know how to choose when buying insurance for their children. In fact, we only need to choose the right insurance product for the children according to their needs. Generally speaking, if you are a child, it is recommended to purchase critical illness insurance, medical insurance and accident insurance.

If you are in a hurry, you can also check out this article:In-depth article - How to buy insurance for children? Netizens shouted:

Why only now to see

So, how do we see whether insurance products are suitable for us?

1. Whether the guarantee content is complete.

Take critical illness insurance as an example, if it is bought for children, it is generally necessary to pay attention to whether it includes children's specific diseases, multiple claims for children's rare diseases, and additional compensation. In addition, most critical illness insurance products on the market will include critical illness, moderate illness and mild illness protection, so you must make sure that you have all the coverage. If you want to know what a good critical illness insurance policy looks like, you can check it out here:

A good critical illness insurance policy looks like this! You've been lied to for so many years.

2. Whether the insured amount is sufficient.

When we buy insurance, we must also pay attention to the amount insured, and if we choose the amount insured, we must choose according to our actual situation, and we cannot choose too low the amount insured, nor can we choose the amount of insurance beyond our own economic ability. Generally speaking, it is best to buy insurance with an insurance amount of 300,000 to 500,000, which can basically meet our needs. What else should I pay attention to when sliding cherry blossoms?

Details can be stamped:Before buying insurance, you must first understand these key knowledge points!

Hope!

To buy insurance for children, you need to keep these three points in mind, 1. Don't buy life insurance, it is suitable for the pillar of the family. 2. The sooner you buy your child's medical insurance, the better. 3. What the child really needs is critical illness insurance + medical insurance + accident insurance 500,000 insured critical illness insurance + 3 million medical insurance + 200,000 insured accident insurance, which only needs more than 1,000 for the child.

1. Basic medical insurance.

Medical insurance is a benefit of the state, the premium is very low, there are no restrictions, as long as you have the status of a Chinese citizen, you can be insured, you can get basic medical insurance for a little money, why not buy it?

Many commercial medical insurance plans will set different premiums depending on whether the insured has medical insurance, and generally speaking, if the insured person does not have medical insurance, the premium will be relatively expensive.

Therefore, you must give priority to the allocation of medical insurance for your children, which is a necessity

2. Accident insurance.

The premium of accident insurance is the lowest among the four major types of insurance, the leverage ratio is very high, the small investment is large and the return is large, and some excellent comprehensive accident insurance will include accidental medical liability.

For children, accidental medical treatment is more important, children are more active, self-protection awareness is not strong, the probability of accidents is larger, some accidents cause small bumps are inevitable, there is an accident insurance protection, can also make parents more assured.

Accidental medical treatment generally exists as additional insurance, and the insurance amount will not be very high, generally tens of thousands of yuan, but it is enough to deal with all kinds of small accidents.

3. Medical insurance.

Medical insurance is mainly divided into million medical insurance and small medical insurance, when configuring medical insurance for children, we should give priority to million medical insurance, and then consider buying small medical insurance to supplement it under the premise of ability.

The reimbursement range of million medical insurance is relatively wide, the premium will not be very expensive, and the cost performance is really good.

However, the deductible of medical insurance is generally relatively high, basically between 1-30,000, and try to choose a product with a lower deductible when choosing.

If the economic conditions allow, you can consider buying another small medical insurance to solve the problem of deductible, which generally only has a deductible ranging from 0 to a few hundred yuan.

4. Critical illness insurance.

The importance of critical illness insurance has been mentioned in many articles, and it is equally important for children.

As mentioned earlier, the current environmental pollution is more serious, whether it is food or drink, it cannot be guaranteed to be 100% safe, and children's immunity is poor, so the probability of suffering from serious illness will also increase.

Three tips for buying insurance for your child: It is recommended not to buy insurance that specifically covers death, it is better to buy sickness and accident protection first; It is not advisable to buy returnable insurance; Don't just take care of your children, on the basis of social security, you can provide your children with accident, medical and critical illness insurance, and save some money to protect yourself.

More than 1,000 per year can be fully insured for children. First, children's medical insurance, which is the basic welfare given by the state. Second, children's critical illness insurance.

The sum insured of 500,000 yuan is guaranteed for 30 years, 600 yuan per year. Third, million medical insurance, 6 million hospitalization protection, 800 yuan per year. Fourth, children's accident insurance, 200,000 accident insurance, 60 yuan per year.