My son is just 2 months old, what insurance should I buy?

We have just introduced a policy, urban residents' medical insurance, you can go to the community, as if the child is 100 yuan a year, and the unit of medical insurance is about the same, you see if you have implemented there, this is still very cost-effective.

For commercial insurance, you have to negotiate the terms with the insurance company specifically, and it is not clear what is too good to choose if it is fixed.

There is a kind of savings insurance, that is, how much money you pay a year, and wait until your child is 14 or 18 years old, or go to school) After that, you can fix how much money you return each year, if you are interested, you can go and see.

Health care plus hospitalization reimbursement is sufficient.

What kind of insurance do you buy?

He'll be healthy, don't worry!

Two-month-old babies are not yet fully developed, have poor resistance, and do not have their own active awareness, and face many risks, so it is necessary for you to buy appropriate insurance for them to avoid potential risks. At present, the baby can buy insurance after 30 days of birth, so the two-month-old baby can buy insurance.

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages。You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insuranceIt is recommended that people from 0 to 20 first choose critical illness insurance, medical insurance, and accident insurance

How do I buy insurance for someone under 20 years old? In the first 20 years of life, in the period of physical and mental growth and development, illness is inevitable, so medical insurance to reimburse medical expenses is very necessary; In addition, there are more accidents in the child's growth stage than in other stages, so it is also necessary to have accident insurance to prevent accidental disability or death; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

If you are in the stage of 20-30 years old, it is recommended that you choose critical illness insurance, accident insurance, and medical insurance

How do you buy insurance in your 20s? 20 years old 30 years old, has reached the age of their own responsibility, at this time the body is young, the spirit is good, the future has unlimited possibilities, but there is not much money in the pocket, what to do in case of a minor illness in a lifetime, so it is recommended to buy critical illness insurance + one-year accident insurance + million medical insurance, the premium is actually quite cheap, short-term accident insurance is only a few dozen yuan a month, it can be considered, in line with this age group of friends can read the previous answer of the senior sisterWhat insurance should people in their 20s buyYou can take a look at this article.

For middle-aged friends, you should choose critical illness insurance, life insurance, accident insurance and medical insurance for those aged 30-50

Middle-aged work pressure and life pressure are very high, and the probability of illness is naturally very large, critical illness insurance and medical insurance can provide adequate protection for illness; If you are unable to continue to be the breadwinner of your family due to an accident, accident insurance and life insurance can buy peace of mind for the future of yourself and your family. Friends who meet this age group can read the previous answer of the senior sisterIs it necessary to buy insurance in your 30s? So does it make sense to buy insurance at a young age?

There are tricks on how to choose the right and cost-effective insurance for yourself, and the key is to choose the right insurance product.

Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

Appropriate commercial insurance protection must be planned through detailed communication, and for the time being, we will provide you with the following protection ideas for reference:

Buy insurance: 1. Buy the right person (adults first and then children, give priority to improving the protection of family economic pillars), 2. Buy the right insurance (respect the scientific purchase order, choose the right product combination), 3. Buy the right amount of insurance (the right amount of insurance, when the risk comes, can really play a role in resisting the risk!!) ）

The main protection for babies is medical care and education.

1. Medical treatment: First of all, improve the medical insurance for children in the community, and secondly, the medical treatment for ordinary minor diseases will be appropriately supplemented according to the welfare status of the adult unit (whether there is a baby's follow-up reimbursement). At the same time, due to the baby's liveliness and activity, bumps and bumps in accidental injuries, burns, scalds, cat scratches and dog bites are also inevitable; Due to the pollution of the environment, the pollution of decoration, and the safety of food, the incidence of major diseases among minors is also getting higher and higher, so the accidental medical treatment and major diseases of the baby should be supplemented in time.

2. Education reserves: At present, there are two main types of education savings insurance:

1. It is a traditional education annuity insurance, such as 15 years old (generally the age of high school) to receive it every year, and continue to receive it until the end of college graduation. There are also those who receive insurance money until the age of 25 as their study abroad or wedding payment, so that the amount of insurance is fixed and the protection is clear.

2. It is a universal insurance or investment-linked insurance that is currently hot in the market, and it is a reserve for future education in the form of investment value-added, which is mainly reflected in three major flexibility: flexible payment, flexible protection, and flexible withdrawal. Generally, it requires medium and long-term continuous payment investment, which is not effective, and of course, its income opportunities may also be greater than that of traditional education annuity insurance.

Finally, I would like to remind you that there are only 3 waiver clauses for all life insurance policies of Prudential Life, and critical illnesses can be paid early. Hospitalization compensation includes reimbursement for out-of-pocket drugs, and accidental medical treatment is reimbursed on a per-trip basis. The above are the advantages of Xincheng's products to distinguish similar products in the market.

When buying insurance for children, you must first protect it, and the protection should be comprehensive. Need to know.

There are many types of insurance, and there is a certain degree of professionalism, do not personally find the type of insurance, this is not a simple purchase of goods, it is a kind of comprehensive financial analysis process.

Here is a principled idea and a code of thumb (simple but very effective).

First, in terms of principle and thinking:

No matter which insurance company you insure with, be sure to be clear about two things:

1. The purpose of your insurance (what worries to solve or what wishes you want to achieve);

2. Correctly understand the benefits of insurance (don't believe what a single person says and personal assumptions, and make some verifiable understanding through some other channels).

If these two are in sync, it is basically OK and there will be no problems.

Second, the mode of operation:

Follow the process of "clear needs - > preliminary selection - > negotiation and verification - > effective choice"!

The simplest and most effective operation is to directly find the best people from several different local companies, explain the details and specific requirements, and conduct an open comparison to see which of the insurance solutions it provides is more effective for your needs, which is what you need. In addition, if you are worried about being harassed or entangled, you can also go online through the insurance bidding platform of the intermediate station of Life Sky Insurance, ** Anonymous solicit specific plans of different insurance companies, conduct direct comparison and selection of finger grinding.

Many parents want to plan for their children's insurance as early as possible, and the following is an introduction to what insurance can be bought for a 2-month-old baby. How do I buy insurance for my child? How to buy? Let's take a look at buying insurance for your child and be sure to avoid these pitfalls!

1. Accident insurance better protects active babies.

Unintentional injuries to children have become one of the most serious social, economic and medical problems today. Therefore, it is necessary to take out accident insurance for your baby. The premiums for this type of insurance are relatively cheap, only a few hundred yuan a year.

2. Health insurance accompanies the healthy growth of the baby.

Due to the baby's young age, incomplete immune system development, and poor immunity, it is recommended to buy additional hospitalization medical insurance when considering purchasing children's critical illness insurance. In this way, if the child falls ill and is hospitalized, some medical expenses can be reimbursed.

$1,000 to establish at least 100,000 yuan of 32 types of critical illness or surgery benefit, 100,000 yuan of accident or illness death benefit, and return the premium paid at maturity.

3. Education insurance has become a reassuring pill for baby education.

The rest of the funds can be opened a ** account for the child, invested regularly, forced savings, and achieved the maximum benefit of financial management. This is the greatest balance between protection and financial management! You can also plan and accumulate your child's education fund through regular investment and other methods.

The above is my answer to what insurance can I buy when I am 2 months old, and I hope to help you.

To apply for commercial life insurance, pay attention to a tailor-made, that is, you need to meet your own needs, and you need to provide the following basic information: gender, age, occupation, physical condition, income, family situation, social insurance ownership, commercial insurance ownership, and what kind of insurance (children's education, retirement pension, wealth planning, health protection) is required

One or two months is relatively rare, generally a year.

Each insurance company is almost the same, and you will find out if you consult yourself.

Hello! Accidents and health risks are fraught with a child's developmental journey, and it is necessary to plan an insurance plan as early as possible in order to fully protect your baby who has just turned two months old.

What kind of insurance is better for a baby who has just turned two months?

Children's insurance itself is not good or bad, for you only the right is the best, it is recommended that you according to the specific insurance plan and their actual protection needs to destroy a reasonable choice, the specific protection plan is as follows:

1. Buy insurance according to the actual age of the child. For minor children who have just reached the age of 28 to 30 days, parents should consider three risks: accident insurance, critical illness insurance, and medical insurance.

2. Choose the most suitable insurance product for your child. The most suitable choice is to buy protection products, mainly life insurance, accident insurance, medical insurance, critical illness insurance, etc. After the establishment of the basic Liang Min Insurance, some investment-based insurance products can be supplemented as a way to manage money as appropriate.

3. Choose the appropriate amount of insurance according to the child's situation. The need for coverage changes depending on the family structure, income, and external economic situation.

4. Choosing the most suitable insurance company for your child can be considered from the service level and solvency of the insurance company.

5. In the case of comprehensive basic protection for newborns, parents may wish to purchase education insurance for their children as soon as possible to fully protect their newborns.

Buying insurance for a baby who has just turned two months old is the best one. It is an e-commerce platform that provides professional newborn insurance and protection solutions, and you are welcome to come and buy.

Hello! Accidents and illnesses are always two invisible risks in the growth of young children, so parents must take relevant measures to protect their children. For a two-month-old baby, it is recommended that you choose to purchase a child insurance product.

As for how to apply for insurance, please note that you can purchase a child insurance product for your baby 30 days after they are born. At present, children's insurance products mainly include accident insurance, medical insurance, critical illness insurance, education fund reserve insurance, etc. Babies are more prone to bumps and bumps, and are also more prone to colds, fevers, diarrhea and even pneumonia, so accidents and medical insurance are necessary.

What is the best insurance product for a two-month-old babyIn view of the characteristics of your baby who are more likely to get sick, it is recommended that you choose infant insurance, which covers both accident and medical risks, so it is wise to insure one.

MetLife Angel Kids Critical Illness Protection Plan1. Covering 21 common critical illnesses in children.

2. Leukemia pays 10% more coverage for hand, foot and mouth disease.

3. Exemption function to provide physical examination services.

4. The return amount can be planned, and it can be used for education and marriage.

Xueba says insurance, to help you avoid all the pitfalls of buying insurance for your children! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated, click to claim now, I believe it can help you.

How do I buy insurance for my child? This problem has always been a problem that stumped tens of millions of parents, so let's sort out the methods and ideas for buying insurance for children! Keep these three points in mind:

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

Neonatal medical insurance (medical insurance for urban and rural residents) is the basic national insurance, and the child should be handled immediately as soon as he is born, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, after buying medical insurance, you can fully configure critical illness insurance + medical insurance + accident insurance in commercial insurance.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection. 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 falling behind because of illness, or some irreparable losses in subsequent life, all need money, all need money to solve these troubles. Buying a pure protection critical illness insurance can solve these problems in the future.

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, with a 0 deductible hospitalization medical insurance, as long as one or two hundred yuan a year, you can buy an insurance amount of 10,000 yuan, which is cheap and useful.

Finally, let's talk about accident insurance, children's accident insurance is very cheap, 200,000 yuan per year is only sixty or seventy yuan, which can protect the child's accidental death, accidental disability and accidental medical liability, cheap and useful.

Third, is there any insurance that I should not buy for my child?

Don't choose life insurance for your child, and try not to consider critical illness insurance with both liabilities attached. The specific reasons I know are in this answerWhy is it so hard to buy child insurance? You'll know when you see it!

There is a detailed introduction in it, and because it is written in detail, I will not introduce it here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, 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"The baby is two months old, what kind of insurance should I buy for her?"