Ask, I don t know what to buy insurance for the elderly and children, and ask for a professional ans

1.Clarify the needs to see what the existing security between family members is, and on this basis, it is necessary to clarify what the most fundamental needs of each member are. I personally suggest that commercial insurance should be planned on the basis of social security, and the two complement each other and are more effective and reasonable.

2.Determining the amount of premium expenditure is theoretically 10%-15% of the annual household income, but in reality, it needs to be analyzed on a case-by-case basis.

3.Determining the amount of insurance is theoretically 6-10 times the annual income of the family, but in reality, there are many factors to consider, such as the specific situation of each family.

4.Determining the order of insurance, basically, is to give priority to adults before children, to protect the middle forces first, and to consider the elderly and children.

5.The distribution of premiums for family members should be the first to insure the main economic **, and the premium expenditure should also be tilted towards him.

6.At present, the mainstream types of insurance: participating insurance, universal insurance, investment-linked insurance, conservatively speaking, it is recommended that customers pay attention to the first two.

7.At present, there are many life insurance companies in the market, and it is recommended that customers pay attention to the first echelon of the industry.

8.To apply for insurance, we must base ourselves on protection and talk about other things, otherwise putting the cart before the horse is equivalent to wasting money. The main focus is on big risks, such as accidents and critical illnesses!

9.Don't pursue one-step planning, plan step by step, plan in order, and plan effectively.

10.There is little difference in the products of each company, and it is of little significance to simply compare products.

11.Suggestion, seek help from local ** people, it's realistic. You can only apply locally, and you can't go to other places to sign for insurance.

Extensive communication with some professionals, asking for help, and choosing a suitable person as the long-term service personnel of the policy is the most important factor to reflect the value of the policy.

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.

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.

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.

If you want to buy insurance for your children, children's medical insurance is a must.

In the case of commercial insurance, the order of purchase is: accident insurance, medical insurance, critical illness insurance, and financial insurance.

Regarding life insurance, there is no need to buy it for children, for the following reasons:

Life insurance covers death and total disability, and it is recommended to buy it for the breadwinner of the family, because once they fall, the family will have no financial **.

The child does not bear family responsibilities, and the law has a limit on the insurance money for the death of the minor, and the leverage ratio is not high, so it is of little significance for the child to buy life insurance.

Let's talk about the types of insurance that are suitable for children.

1) Accident insurance.

Children love to move and make trouble, and they don't understand anything, and they will suffer accidental injuries if they are not careful. For example, accidental fractures, animal bites, and hand cuts by glass and plastic ......

In the face of this kind of unexpected situation, accident insurance with "accidental medical treatment" can also come in handy.

Accidental medical treatment, as the name suggests, reimburses the ** expenses incurred by the accident.

2) Medical insurance.

It is normal for children to have weak resistance, headaches, brain fever, and viral infections, and they may need to be hospitalized, so they need small medical insurance + million medical insurance.

Small medical insurance: It can reimburse the expenses of minor illnesses and pains, and can be reimbursed for accidents or normal illnesses.

Million Medical Insurance: There are deductibles ranging from a few thousand to 10,000 yuan, which can reimburse the part of the expenses that exceed the deductible.

It is recommended to give preference to the million-dollar medical insurance, because the small medical expenses can be borne by yourself.

3) Critical illness insurance.

Critical illness insurance can cover our common serious childhood illnesses, such as leukemia, juvenile epilepsy, etc.

If you don't know which insurance to configure, you can pay attention to daddy insurance consultation!

If you want to buy insurance for the children in your family, generally speaking, it is recommended to purchase three insurance products: critical illness insurance, medical insurance and accident insurance. For children's insurance, parents can take a look here: In-depth article - how to buy insurance for children?

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When we buy insurance for our children, we must choose the right insurance product according to the needs of our children. First of all, it is inseparable from the insurance product itself, we need to pay attention to whether the protection content is complete, the waiting period is not short, whether the payment period is flexible, whether the health notice is relaxed, etc.

For example, in addition to ensuring that the basic protection of critical illness, moderate illness and mild illness is covered, we also need to see whether we provide coverage for specific children's diseases, rare diseases for children, malignant tumors - severe, etc.

In addition, we also need to pay attention to the waiting period, such as critical illness insurance, the waiting period will generally be 90 days or 180 days, generally the shorter the better.

If parents want to buy insurance, generally speaking, they can choose to go to the offline business outlets of local insurance companies, banks, or the official **, app, third-party insurance** and other channels of the insurance company to buy. There may be parents who are worried that they have bought the wrong insurance and will not be able to buy the insurance, so they can also choose to go to the insurance brokerage company. Generally speaking, insurance brokerage companies are also more suitable for insurance novices like us, and can give us a lot of help, such as tailor-made insurance plans and so on.

In particular, some insurance brokerage companies will also provide us with intimate services, such as Shengshi Chuangfu Insurance Brokerage Company, Zhushan Kai, which has a "peace of mind claim" service, which can help us complete the whole process of claim settlement. If you want to know how to choose an insurance brokerage company, you can take a look at this article: How to choose a good insurance brokerage company?

In a family, usually adults will buy some commercial insurance to provide more protection for the family's economy, which is the correct order of insurance, which should be adults first, then children. Children's insurance often makes many parents have a headache, especially now that many families have children who are only children, and protection is even more necessary. What is the best coverage for children's critical illness insurance?

Which ones are cost-effective? Which one is the best to buy? Let's take a look at the inventory of the top 10 insurance companies that sell children's serious illness and critical illness insurance.

1. Insurance suitable for children

Our most common insurance suitable for children is generally children's medical insurance, accident insurance, serious illness insurance, medical insurance, these four types, each family's financial situation is different, maybe some families can not do all of them, so we need to understand the importance of different insurance. First of all, children's medical insurance, as a benefit given by the state, has low premiums and comprehensive protection, so it is naturally put in the first place and is essential. The second is accident insurance, children are active, and the active and lively nature also improves the hidden disturbance of accidents, and the cost of accident insurance is not high, which is more practical.

Next is the critical illness insurance, not the elderly have a high probability of suffering from serious illness, some people with a high incidence of serious illness are children, such as leukemia, and the cost often starts at hundreds of thousands, which is difficult for many families to bear. The last medical insurance is more suitable for small medical insurance, and the ** expenses of some minor illnesses can be reimbursed, and the financial burden is low. What are the good recommendations for critical illness insurance, I just sorted out the relevant content, I hope it will be helpful to you:

Top 10 insurance companies are "worth buying" of popular critical illness insurance!

2. Precautions for purchasing insurance for children

There are a few things to keep in mind when insuring children. First of all, it is necessary to make sure that the breadwinner of the family is covered by insurance, and then consider purchasing children's insurance after you have the financial resources to spare. Secondly, the amount of accident insurance will be limited, and the amount of insurance for the death of a child is generally controlled within 200,000 yuan, so be careful not to exceed the limit when purchasing, resulting in unnecessary waste.

The last point is about critical illness insurance, critical illness** is often very expensive, so when purchasing critical illness critical illness insurance, it is important to ensure that the coverage amount of critical illness insurance is sufficient in order to make it play its maximum role at critical moments.

Children and adolescents are a family's hope for the future, so protection is also essential, in addition to the types of insurance mentioned above, families who can afford it can also consider taking out exempt education insurance. Generally speaking, it is the best protection to choose according to your family's economy and situation, choose a reliable insurance company, and buy the insurance that best suits your child's needs. Insurance companies slow down the collapse of which is stronger, I just sorted out the relevant content, I hope it will be helpful to you:

The latest list! Ranking of the top 10 insurance companies in the country.

The subject saidLife insuranceIt is the type of insurance that should not be bought for childrenLife insuranceYesDeath is an insurance liabilityThe child will not be able to get the claim, and the general beneficiary is the child's child or the child's spouse.

Generally, the order of assigning insurance to a child is:Children's Medical Insurance, Critical Illness Insurance, Medical Insurance, Accident Insurance.

Social securityChildren's medical insurance refers to the medical insurance for urban and rural residents, which is the most basic guarantee provided by the state. Children's medical insurance is very practical, with low premiums, no threshold, no refusal of insurance, and guaranteed renewal, as a national welfare, it is a must-buy!

Medical insurance, which can reimburse the necessary and reasonable medical expenses arising from accidents or illnesses, and is an important supplement to critical illness insurance. There is both large and small medical insurance.

I recommend giving priority to considering small medical insurance for children, because children have weak immunity and colds and fevers are very common, and the setting of small medical insurance is more suitable for children.

Accident insuranceThe baby has just come to this beautiful world, is very interested in everything, it is inevitable that it will be more active, parents do not pay attention, may make some accidents, so the configuration of accident insurance is essential The protection content of accident insurance on the market is not much different, when choosing accident insurance for the baby, it is especially necessary to look at its accident medical protection, preferably 0 deductible, 100% reimbursement, unlimited social security products; In addition, value-added services such as third party liability insurance, accident allowance, and traffic accident protection are even better. I have listed all the better products, parents can pick it up:

Top 10 Best Children's Accident Insurance to Buy

Xueba talks about insurance, focusing on evaluating children's insurance! 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 to buy insurance for your childFirst, take care of the medical insurance first!

Newborn medical insurance can be handled immediately after the child is registered, 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, the three types of commercial insurance, critical illness insurance + medical insurance + accident insurance, should be configured together after handling medical insurance.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to solving the first expense, it can also solve a lot of additional expenses caused by illness, such as children who delay their studies because of illness, and even some subsequent life losses, which require a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems in the future.

Take a 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 sum insured of 10,000 yuan, and the annual premium is only one or two hundred yuan, which is very cost-effective.

Finally, let's talk about accident insurance, children's accident insurance is very cheap, 200,000 yuan per year, only sixty or seventy yuan, can protect children due to accidents, death and medical liability, cost-effective.

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

Don't buy life insurance for your children, and try not to attach both-both-to critical illness insurance. The specific reasons I know are in this answerHow to buy insurance for your child without being cheated? This guide tells you!

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 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 will only be two or three thousand per year, which is very cost-effective.

That's all for me"How do I buy insurance for my child? Should I buy life insurance? "