I would like to know more about education insurance for one year old children. Please know if you ar

Hello! I wonder if it's a boy or a girl? Is it to cope with the important expenses of high school and college or long-term education funds, and is the guarantee guaranteed until the age of 55, 60 or 80? Is there a requirement for the payment period and the amount of insurance?

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When buying insurance, you should consider accident medical and health insurance first, and then consider education, financial management, and pension insurance. For children who are only one year old, it is more suitable to choose a school insurance + return type of health insurance, which can resist inflation, and the return can also be used as education funds.

The most realistic needs of one-year-old baby's protection insurance, but also the most basic configuration, mainly including critical illness insurance, medical insurance, accident insurance, detailed insurance suggestions and details can be seen in the daddy's article "The most complete strategy for children's insurance: next time you don't have to follow the trend to buy insurance".

Xueba talks about insurance, and teaches you to choose the best insurance for your child! Comparison table of 136 hot-selling critical illness insurance for minors, click to claim now, I believe it can help you.

There are many insurance products that babies can buy, as long as you do your homework and see your needs, you can buy the right products at a low price.

Buy expensive or not right" This is a common problem for many parents when buying insurance for their babies.

In order to allow parents to avoid the pit efficiently, I directly threw out the children's insurance of the huge pit, you look at it.

Top 10 [Not Worth Buying] Children's Insurance ** Points!

Before buying insurance for a child, we must know which plans are mandatory and which are not. This saves time and doesn't waste money.

Order of purchase:Children's Medical Insurance, Accident Insurance, Critical Illness Insurance, Medical Insurance

The following types of insurance are based on the premise that children's medical insurance has been purchased, and children's medical insurance includes urban and rural residents' medical insurance, New Rural Cooperative Medical System, etc., which can be consulted with the local social security department.

So, parents who have not purchased children's medical insurance for their babies should go!

1.Remember the principle of "adults first, children second"!

For children, the protection of insurance is far less powerful than that of parents. Parents are in good health, and all accidents and illnesses have a solid backing. In case the parents fall, the family will become a source of water.

2.The sooner you buy, the better it gets.

Generally speaking, the younger the child, the cheaper the payment and the sooner the child will be covered.

3.Carefully discern whether there are pitfalls in the insurance contract.

I have talked about this knowledge point in detail, and if you don't understand it, you can make up for it! Click below:

[Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance

Accident insurance

One-year, consumption-based accident insurance is preferred.

Preferably for accidental medical treatment. If you choose to insure accident medical treatment, you can also get 0 deductible, 100% reimbursement, and medical expenses outside social insurance.

Critical illness insurance

The sum insured should be sufficient, at least 500,000.

Preferred Lifetime Multiple Claims Critical Illness Insurance.

Whether the high-incidence diseases are fully covered and whether the insurance amount is sufficient.

Medical insurance

Whether the renewal conditions are set excellent: the rate will not be increased due to changes in physical health status.

Whether it is hot or not: It is less likely that the popular million-dollar medical insurance will be discontinued.

Is there an advance payment for medical expenses: so that you don't have to pay out of pocket.

Zero deductible: Preferably with a cancer deductible for critical illness.

As you can see, buy insurance for your child, exceptOutside of the most basic medical insuranceWhat children need to focus on is:Accident insurance, critical illness insurance, medical insurance

If the family's basic critical illness insurance, medical insurance, accident insurance, and term life insurance are not sufficient, Deep Blue Jun suggestsDon't think about financial insurance just yet

If you have done enough to protect your family and want to plan your education fund through insurance, it is recommended to think carefully about three questions before purchasing:

When and how much will it cost?

How much can I invest now, and how much can I invest every year in the future?

How much risk can you tolerate and what is the expected return?

When you have thought through all these questions, you can choose the right product.

The following principles should be followed when buying insurance for a one-year-old child:

1. Take the family as the unit:

Parents are the main ones, and children are secondary. The distribution of family security should be divided by the family's economic responsibility, which is simply as follows: who makes money, and who is the focus of protection. If you buy insurance for adults or children, you need to add an exemption from liability.

2. The degree of protection is higher than that of adults.

Take critical illness as an example, the child is weak and needs to be treated more delicately; In addition, the child's life is still very long, and if there is a real risk, there may be no chance to buy insurance in the future, so within the scope of the economy, parents should make the protection high.

3. Focus on protecting the lives of children, and weaken the function of taking responsibility.

Adults are stressed and responsible, but children are not, and children can just grow up healthily, so the risks related to "keeping alive" can be weakened.

4. Protect first and then consider investment and financial management.

At present, children's insurance on the market usually exists in the form of long-term investment insurance and other products. However, parents should first consider growth and health when buying insurance for their children, and investment and dividends are not the main purpose. It is an act to put the cart before the horse.

The surname of insurance is Bao, first make sufficient protection, and then consider the issue of "education fund".

Therefore, the order of buying insurance for children should be: first do enough personal risk protection, and then consider investment insurance (including education insurance). If you insist on buying investment children's insurance first, you must also add additional insurance to the main insurance, such as additional children's critical illness insurance, medical insurance, etc.

The most complete strategy for children's insurance: "The most complete strategy for children's insurance: you don't have to follow the trend to buy insurance next time".

Xueba says insurance, only recommend insurance that is really useful for children! This year, the comparison table of 136 hot-selling children's critical illness insurance has been updated, click on the blue word to claim it immediately.

What insurance should I buy for my child?This question has discouraged countless mothers and fathers who want to buy insurance for their babies, and today we will take a good look at what insurance should be bought for children! Explain from these three aspects:

First, the country's medical insurance must be handled.

After the child is registered, you can go to 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, and it must be handled well.

Second, in addition to the national medical insurance, some necessary commercial insurance should also be considered, and critical illness insurance + medical insurance + accident insurance is preferred.

Let's start with critical illness insurance, which provides coverage for as long as possible. In addition, critical illness insurance can pay a large amount of cash directly after getting sick, in addition to solving the problem of medical expenses, it can also solve a lot of additional expenses caused by illness, such as delaying homework because of illness, 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 medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, the insurance amount of 10,000 yuan is only 1,200 yuan per year, which is cost-effective and practical.

Finally, let's take a look at accident insurance, children's accident insurance is very cheap, 200,000 yuan per year is only sixty or seventy yuan, don't look at the cost is not much, but there is a lot of protection. Accidental death, disability and accidental medical liability of the child can be covered, and it is very cost-effective.

Third, what insurance should not be bought for children?

has been introduced in detail, because it has been clearly stated in the manuscript, I will not say too much here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, about 1000 yuan per year can be fully configured, if you buy lifelong protection, it is only two or three thousand per year, ** low protection and real.

That's all for me"How to buy insurance for a one-year-old child"

How do I buy insurance for my baby?

There are already 11 questions about this question, and many people have put forward good suggestions, and I believe that the subject has found the answer he wants to target. Therefore, I will not be verbose. Emphasize a few points, I hope the subject will pay attention.

The types of insurance that children under one year old need, in order of urgency, medical insurance, accident insurance, and critical illness insurance.

Children have poor resistance, and medical insurance is still necessary; Children under the age of one have poor mobility and are unlikely to have an accident, but with the increase of months, bumps and bumps are inevitable; Children under the age of five have a high probability of suffering from leukemia and other serious diseases, so it is necessary to pay attention to it and allocate critical illness insurance as soon as possible.

There are also unreliable ones, such as someone recommending a certain An's xx Fu, an insurance that has been criticized on Zhihu that is not good, how can you advertise here. There are also people who recommend buying life insurance for their children's code, which is just a show of fun, what is the use of life insurance for little children? Do small children have family responsibilities?

Limited money to spend on the cutting edge! If you have money to spare, it is the right way for the child's parents to buy life insurance for themselves.

Recently, a new children's critical illness insurance can be said to have hit a new low, but the protection is sufficient and full. Let's take a look at it, Sino-Dutch Children's Le Bao can insure 70 kinds of critical illnesses, 40 kinds of minor illnesses, 10 kinds of children's specific critical illnesses (leukemia, Kawasaki disease, etc.) The sum insured is doubled, and there is also a minor illness exemption, and the coverage age: 30 days to 17 years old, that is, you can apply for insurance at the full month.

Insurance period: 20 years, 25 years, 30 years, that is, the insurance can be insured up to the age of 30.

It is estimated that a boy under the age of 1 will purchase 800,000 insurance for 20 years until he is 30 years old, and only 904 yuan per year!

Girls under the age of 1 are guaranteed to buy 800,000 insurance for 20 years until they are 30 years old, and they only need 976 yuan per year!

If there are ten specific high-incidence critical illnesses such as leukemia, this ** can get double the sum insured of 800,000, 1.6 million! Let the child completely avoid the worries of the ** fee and recuperate with peace of mind.

Welcome to click on my avatar for private chat consultation, and buy good insurance for pit prevention and avoidance.

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

The types of insurance suitable for children aged 1 year old are as follows:

The first is the children's survival insurance, which provides corresponding protection for children at different stages of growth. For example, education in elementary school, junior high school, high school and university, entrepreneurship after joining the work, marriage, and even retirement pension. This type of insurance allows the insured to save a lump sum** at specific stages of life, reducing the financial burden on the family.

The second is the Accidental Death and Disability Insurance. The insurance provides protection for the death and disability of the insured children in the event of an accident, which is generally attached to the children's survival insurance, and does not set up a separate type of insurance.

In addition, it is a medical insurance for children's illness. This insurance provides coverage for the insured child's expenses due to illness**, hospitalization, and surgery. According to China's current medical system, children and adolescents are basically in a state of no medical insurance at this age, so it is recommended that parents can consider purchasing children's medical insurance.

Extended reading: [Insurance] How to buy, which is better, defeat Huai teaches you to avoid these insurance"pits"

Every child is the heart of the parents, many parents will choose an insurance for their babies when they are born, but for the insurance is to pay for many years, so we must be careful to choose the right insurance.

The baby is one and a half years old can also buy an insurance, because the younger the child, the more likely it is to get sick, such as the usual cold, if you buy an insurance is also guaranteed, it can also save some money for parents, after all, now a trip to the hospital is a few hundred yuan.

However, in the choice of insurance, many people may not be clear in their hearts, we do not necessarily have to choose the most expensive when choosing insurance, you can choose a suitable and useful one for your children in line with your own economic conditions, don't spend money in vain.

Insurance is a protection for children, such as ordinary accidents, dog bites, falls or cat scratches, etc., it is okay when it does not happen, and if it happens with insurance, it can also save a sum of money.

On the way of children's growth, they may encounter large and small risks, and they can follow a sequence in the allocation of insurance with children: children's medical insurance, critical illness insurance, medical insurance and accident insurance.

These 4 types of insurance are also more important for children, take children's medical insurance as an example, this is a very basic protection, and it is also provided by the state, which can be more cost-effective.

Critical illness insurance is a guarantee for children in advance in case of emergency.

Medical insurance, for children, is actually a double protection role, in front of the children's medical insurance can be reimbursed, but this also has a quota, with a medical insurance, it is equivalent to an extra layer of protection, can be reimbursed.

For insurance, in fact, the younger the child to buy, the more cost-effective, so as to give the child a guarantee as soon as possible, when buying we have to choose some cost-effective, it is best to be able to shop around, after all, no one's money is blown by the wind.