What kind of insurance or funds are available for children? Be specific

For insurance, now the baby insurance is mainly accidental, medical, education, these categories, there are many specific insurance products, and a certain degree of professionalism, do not blindly find insurance yourself, it is recommended to follow the process of "clear needs - > preliminary selection - > negotiation and verification - > effective choice"!

First clarify why you want to buy insurance for your baby, what you are worried about or what you want to achieve, and then explain your approximate economic ability and premium budget, so that excellent insurance people can consider comprehensively and make a choice of priorities (not necessarily all your needs can be met, but there will be priorities), and the most effective realization of your insurance needs through a reasonable combination of insurance types is scientific.

After the premise is clear, implement an open-ended plan collection and comparison operation to see which of the insurance options 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 directly and anonymously solicit specific plans from different insurance companies through the insurance bidding platform of the intermediate station of Life Sky Insurance online, and make clear and effective comparisons and choices.

In this way, the results are much safer and more reasonable, and very clear!

Hello, I am Li Shuang, the first person of Shenzhen Ping An Insurance Company, and children's insurance is usually divided into three aspects:

1. Daily medical security (such as Ping An Baby Card).

2. Critical illness benefit (e.g. evergreen).

3. Preparation of education funds (such as Century Angel).

1. What is children's ** insurance?

Children's ** insurance is a savings insurance, which not only has the role of compulsory savings, but also has a certain protection function. Common children's ** insurance includes education insurance and wedding insurance, which belong to annuity insurance.

one. Children's insurance is specially designed for underage children, with an annual payment and an insurance benefit paid after reaching a certain age, which is used to provide the education expenses needed for their growth and the cost of marriage after adulthood.

2. What is savings insurance?

Savings insurance is a kind of insurance company designed to combine insurance functions with savings functions, such as common life insurance and pensions.

In addition to the basic security function, there is also a savings function.

If there is no accident during the insurance period, at the appointed time, the insurance company will return a sum of money to the insurance beneficiary, just like the annual zero deposit of premiums, after the expiration of the whole withdrawal, and the bank of the zero deposit and withdrawal.

Similar. 3. What is annuity insurance?

Annuity insurance is life insurance.

It refers to the one-time or regular payment of insurance premiums by the policyholder or the insured, and the insurer pays the insurance premium annually, semi-annually, quarterly or monthly on the condition of the insured's survival until the death of the insured or the expiration of the insurance contract, which can ensure that the insured can obtain economic benefits when he is old or incapacitated.

According to the different deadlines for the payment of insurance benefits, annuity insurance can be divided into:

1. Lifetime annuity insurance, also known as "pension insurance."

or "pension insurance". According to the provisions of the insurance contract, the policyholder pays the insurance premium in aggregate until the insured reaches the prescribed retirement age.

The insurer pays the insurance benefits to the retired insured on a regular basis or in a lump sum, and the insurance terminates when the insured dies or has paid all the insurance benefits in a lump sum.

2. Term annuity insurance.

According to the provisions of the insurance contract, the policyholder or the insured pays the insurance premium during the contract period, and the insurer assumes the responsibility of paying the insurance money on the condition that the insured survives within the period specified in the contract, and the insurance is terminated upon the expiration of the specified period or the death of the insured.

Children's ** insurance is also a way to manage money for children from an early age, and he can also get a certain amount of compensation when he grows up.

Children's insurance** covers mainly medical care and education.

Medical care: It is recommended to improve the community children's medical insurance first, and the ordinary minor illness medical treatment can be appropriately supplemented according to the welfare status of the adult unit (whether there is a baby's follow-up reimbursement), which can basically solve the baby's small medical problems. At the same time, due to the baby's liveliness, bumps and bumps in accidental injuries and burns.

Burns, cat scratches and dog bites are also inevitable; Due to the pollution of the environment, the pollution of decoration, and the safety of Zhengzhi food, it has led to serious illnesses among minors.

The incidence of the disease is also getting higher and higher, so the accidental medical treatment of the baby and the serious illness of the child should be supplemented in time.

In terms of education reserves: the current types of education savings insurance are mainly divided into two categories:

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

2.It is a universal insurance that is currently hotter in the market.

or investment-linked insurance. The investment value-added method is used as a reserve for future education, which is mainly reflected in three major flexibility: flexible payment, flexible guarantee, 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.

Extended information] Purchasing children's education** insurance has the following functions:

1.Set aside an education guarantee for your child's future: Buying education insurance for your young child can resist inflation to a certain extent and provide for your child's future college education.

2.Education insurance has the function of insurance protection: it can provide the policyholder and the insured with protection against illness and accidents, and can not provide funds for the child's education in case of accidents, as well as insurance companies.

3.Education insurance also has a savings function: parents can choose the type of insurance according to their own family economic situation for their children's future education expenses, once the education insurance plan is established, then this will be a long-term savings, for the child's future on an insurance.

Children's education** insurance is generally divided into two categories according to the duration of coverage:

1.Whole Life Children's Education** Insurance: As the name suggests, the coverage period is for life.

In addition to providing children with the educational costs they need during their educational years, lifelong child education** insurance can also provide them with financial support such as starting a business**, marriage**, and pensions once they enter society. Generally speaking, lifelong children's education** insurance is returned every few years, and the premium will be slightly more expensive due to the long period of protection.

2.Non-lifelong children's education** insurance: generally only for children's education and education stage to provide financial support, in the return of insurance, mainly for children's education, usually in children's junior high school, high school or university these more important education stages, with special characteristics, once children no longer go to school, into the pants Zen Lu into the society, non-lifelong children's education ** insurance no longer provides financial support.

There are three types of children's insurance:

1. Children's accident insurance.

2. Children's health insurance.

3. Children's education fund insurance.

Purchase procedure: 1. Determine the insurance needs and the purpose of insurance, and choose the type of insurance according to your own needs, because only when the needs are clear can you buy the most suitable insurance for your children.

2. Choose a suitable and satisfactory insurance company.

Buying insurance is to buy lifelong protection, not only to see the type of insurance, the cost of insurance premiums, but also to see the credit, strength and service level of the insurance company.

3. Select the type of insurance you need.

There are many types of children's insurance, including accidental injury, hospitalization, critical illness payment, education**, endowment, savings and dividend insurance, etc., so you must choose the type of insurance according to your own needs and actual situation.

4. Determine the insurance funds

The protection of insurance is not measured entirely by money, insurance is a right that everyone can enjoy, and any family should be able to afford it.

5. No one wants to suffer misfortune on how to get a claim after an accident, but in addition to the pain, we still have to keep a clear head and fight for our own rights. Any insurance company can complete the claim within 10 days after receiving the report, but the premise is that the parents must actively cooperate and the formalities must be ready.

For children, the allocation of insurance is also methodical. Here is a children's insurance configuration guide, you can click to get: "The most complete strategy for children's insurance: you don't need to follow the trend to buy insurance next time".

At present, the types of children's insurance on the market can basically be divided into three categories: children's accident insurance, children's health insurance and children's education savings insurance, which are also determined according to the three major risks faced by children.

Xueba says insurance, to help you avoid all the pitfalls of buying insurance for your children! This year, the comparison table of 136 best-selling children's critical illness insurance has been updated, click to get it now, I believe it can help you choose the right insurance for your child.

How to buy insurance for your childFirst, the country's medical insurance must be handled.

After the child is registered, it is necessary to handle the neonatal medical insurance (urban and rural residents' medical insurance) as soon as possible, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so this must be handled for the child.

Second, if you plan to buy commercial insurance, critical illness insurance + medical insurance + accident insurance, this is my advice to you.

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 being used to treat the disease, it can also solve many hidden problems in the future, such as the delay in studies caused by medical treatment and some losses in subsequent life, all need money, and money is needed to solve these troubles. Buying a pure protection critical illness insurance can just solve these problems in the future.

Look at 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 talk about accident insurance, children's accident insurance is very cheap, 200,000 yuan insurance is only 60 or 70 yuan per year, which can protect children from disability, death and medical liability caused by accidents, which is cheap and useful.

Third, what are the insurance policies that are not recommended for children?

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

has been introduced in detail, because it is very detailed in the manuscript, so I will not waste time here.

According to the above insurance ideas, if you are configuring regular insurance for your child, you can configure it comprehensively for about 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is very practical.

That's all for me"What are the types of "children's insurance"? "

Different age groups may face different risks, and we need to equip our children with different types of insurance for these.

1.Children's medical insurance

Children's medical insurance is mainly to cover the expenses required in the event of a child's illness.

According to the condition, it can be divided into children's critical illness and children's hospitalization.

1) Critical illness in children is a critical illness that protects children with a high incidence of disease.

Such as leukemia, severe brain injury, brain malignancy, etc.

Critical illness is expensive, takes a long time, and is not easy to heal.

Once the agreed critical illness range is reached, a lump sum payment will be made.

2) Children's hospitalization is mainly used to reimburse the medical expenses incurred in hospitalization due to illness.

Because children are weak in constitution, they are prone to induce other diseases, and doctors generally stay in the hospital for observation**.

Therefore, the father thinks that children aged 0-6 are more suitable to buy children's medical insurance.

Critical illness insurance is combined with hospitalization medical insurance.

On the one hand, the younger the age of critical illness insurance, the cheaper the premium, which can effectively prevent the financial pressure and emotional loss of control brought to parents in the event of a critical illness.

Hospitalization medical insurance mainly covers the expenses incurred when children are sick and hospitalized, and can be reimbursed according to the agreed compensation ratio.

**In terms of critical illness insurance, the premium is relatively expensive because of the high amount insured, about 1,000 yuan a year.

Hospitalization medical insurance is relatively cheap, about a few hundred yuan a year.

2.Children's Accident Insurance

Children's accident insurance is mainly for children in the process of growth and exploration, sudden accidents resulting in serious bodily injury, and the subsequent high ** expenses, the insurance company pays a certain amount.

It was mentioned above that drowning is the most common accident in children.

In fact, accidents are everywhere in schools.

Therefore, if the newborn is healthy, then the child who goes to school is protected against accidents.

Children aged 6-14 should pay more attention to purchasing child accident insurance.

**The premiums of children's accident insurance are relatively cheap, generally ranging from tens to hundreds.

When purchasing children's accident insurance, we should pay more attention to the amount of accidental medical insurance.

3.Children's education insurance

The process of educating a child and the associated costs are of great concern to parents.

Children's education insurance is mainly for various expenses incurred in the process of children's education.

Parents save money for their children's future education by purchasing children's education insurance. It has a forced storage function.

It is important to note that the premium waiver feature.

This means that if a parent dies due to an accident one day, the remaining premiums can be waived and the protection will still be valid.

Daddy thinks that for children's insurance, children's medical insurance and accident insurance are relatively important.

Children's education insurance is more suitable for wealthy families to ensure that their children can receive high-quality educational resources in the future, such as studying abroad.

However, it is worth noting that when buying education insurance, the first consideration is protection, and education and financial management are secondary considerations.

**In terms of children's education insurance, because of its long cycle and storage function, the premium is relatively high, generally ranging from thousands to tens of thousands.

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