Which is the best commercial insurance for children and how to apply for it

Hello, for the baby's commercial insurance, it is recommended that you purchase according to the actual situation of the baby, the baby's age is relatively young, the resistance is relatively weak, it is recommended to give priority to the choice of medical, accident protection insurance to supplement the child's community medical insurance, at the same time, if you want to invest in savings in advance for the baby's future education, you can also supplement a children's education insurance on this basis.

You can take a combination of a comprehensive children's insurance plan + a children's education fund to give your baby's future comprehensive care. During the insurance process for your baby, you need to pay attention to the terms and conditions:

1. The coverage of the insurance type.

2. Exemption content of insurance type.

3. The amount of insurance coverage.

Have a clear understanding of what is not covered by the insurance company. And under the same conditions, choose a type of insurance with a wider coverage, I hope it will be helpful to you.

The specific recommendations for insuring your child are as follows:

1.When buying insurance for your child, you should first consider whether the adult is adequately protected, and don't put the cart before the horse.

2.Don't ignore local insurance policies, such as whether there is medical coverage for the elderly and the young.

2.Children's insurance, based on the basis of protection, then talk about education funds.

3.In terms of protection, accidents, critical illnesses, and medical treatment must be considered.

4.There are three types of children's insurance in the market: dividend, universal and investment-linked, and it is recommended to choose the first two.

5. Insurance planning, do what you can, don't deviate from the reality of affordability, then it is not insurance. Best, solve whatever you can? Don't aim for a one-step solution.

6.Remember the additional exemptions!!

6.Buying insurance for your children, don't plan too much for a rainy day, and plan your life, which is very unrealistic. Treat it rationally and do what you can. You can set short-term, medium-term, and long-term financial goals, but if you don't ask for them all, reverse the order, and it will be a mess and a waste of money.

7.First of all, we must clearly understand the above needs and rules, and then select a qualified ** person, which is very important and very important, and then choose an insurance company.

It is recommended to communicate with ** people in detail and verify with multiple parties, after all, face-to-face communication is the most practical and effective way.

If you are a customer in Jiangsu, Shanghai, Guangzhou, and Shenzhen, we recommend AIA for you, the earliest life insurance company in New China, buy insurance during childhood, low premiums, long protection time, and children's various systems are growing up, vulnerable to health threats, you can choose to pay 5,000 per year, 300,000 critical illness insurance amount, enjoy lifelong or 30 years (depending on the customer's choice, all premiums will be returned at the end of 30 years, and 300,000 yuan will be set as a death benefit for life to ensure that future generations get it); 6,000 reimbursement amount for a single accident outpatient clinic, no deductible, no upper limit on the number of reimbursements; Except for pregnancy and childbirth, you can enjoy 100% reimbursement of all medical expenses if you are hospitalized for any reason** (imported drugs are also fully reported), and you can enjoy 200 yuan per day of hospitalization for bed expenses and food reimbursement, and there is no deductible period. I found a random product.

1. Children's accident insurance.

Children's curiosity about new things and lack of awareness of avoiding danger determine that children's accidental injuries are higher than those of other populations. This type of insurance can actively protect against the risks arising from unexpected external accidents during the child's growth.

2. Children's health insurance.

Health insurance protects children from the risk of medical expenses due to illness during their growth, and prevents children from being financially deprived of access to high-quality and rapid medical care when they are sick. Due to the high risk of illness in children, there are relatively few such insurance products in the market.

3. Children's education fund insurance.

A child's education is a major event and an important responsibility and obligation of parents. The process of education is continuous, and the economic cost behind it is high and huge, and it is necessary to prepare as early as possible. This requires parents to make long-term plans for their children's future education costs, with the concept of compulsory savings, to ensure that their children receive the funds they need for a high-quality education in the future.

There are the following types of children's commercial insurance:

1. Accidental injury and accidental medical treatment: the main consideration is whether the scope of liability for accidental injury is comprehensive, the form of payment for accidental medical treatment, the amount, etc.

2. Commercial medical insurance: mainly hospitalization allowance type and expense reimbursement type, the former insurance company to a fixed amount per day, to compensate for the loss of the insured during hospitalization, such products do not duplicate with social security or other types of commercial medical insurance, is the best choice.

3. Lifetime critical illness insurance: It is mainly a disease insurance that takes illness as a condition for the payment of insurance benefits. That is, as long as the insured suffers from a certain disease listed in the insurance policy, regardless of whether or not medical expenses are incurred or how many expenses are incurred, the insurance company can receive a fixed amount of compensation.

4. Education fund: Education fund, also known as education insurance, education fund insurance, or children's education insurance, children's education insurance, is an insurance for the purpose of preparing children for education. Education insurance is a type of savings insurance, which not only has the role of compulsory savings but also has a certain guarantee function.

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

First of all, think about what kind of protection your baby needs? What protections do we want to build for our baby?

After clarifying your needs, you should finally choose a specific product, otherwise it will only backfire!

How to choose insurance for your baby.

1. Accidental injury and accidental medical treatment: It is very simple, but there are quite a lot of children who have burn accidents, and I think it is necessary to talk about the details of accident insurance, the main consideration is whether the scope of responsibility for accidental injury is comprehensive, the form of payment for accidental medical treatment, the amount, etc.

2. Medical treatment and critical illness: Needless to say, first go to the local children's medical insurance, and you can supplement some hospitalization allowances, and the amount of critical illness is about 30-500,000.

3. Education funds: rigid demand, the way to use the reserve of education funds has been controversial, savings, investment, insurance or a combination of many, which has a lot to do with the income characteristics of different families, a little more complicated, it is best to communicate face-to-face.

Myths about buying children's insurance:

Myth 1: Adults are not important, you must buy insurance for your children first.

The correct order of buying insurance should be adults first and then children, which is a way to be truly responsible for children.

Myth 2: Buy children's insurance only to buy education funds and not health insurance.

Children's accidental medical treatment and critical illness must be the first to establish protection, hundreds of thousands of medical expenses, for most families are unaffordable.

Myth 3: Blindly buying insurance does not consider financial ability.

When choosing insurance for your child, you should decide on two factors: the size of your need for protection against various risks and the level of your ability to afford premiums.

Hello! Without a specific reference, there is no way to determine which children's commercial insurance is the best, only that the type of insurance is more suitable for your child's actual protection needs.

Your child is relatively young at this stage, and the main risks faced should come from accidents and medical treatment, so you can choose some simple card-based children's insurance plans, which cover basic and urgent basic protection such as accidental injury, medical treatment, critical illness, etc., and the corresponding card-based protection plans are relatively cheap. Overall, it is very suitable for your child.

Of course, if the economic conditions are better, you can also supplement a children's education insurance for your child on this basis, and make some plans for the education and other expenses of your child's future life.

For more specific types of insurance, you can consult the insurance company, or you can go to the corresponding online insurance platform to combine the specific insurance types for reference and consultation, here is a reference path (, I hope it can give you some help!).

Children who are now young can buy a hospital subsidy medical insurance for their children. Because the baby's resistance is poor and easy to get sick, you can also buy appropriate financial insurance with bonus points.

The first is the preparation of education funds, education fund insurance. The conditions are good, and the pension comes with serious illness insurance.

There is no best thing in anything, only what suits you.

Hello! When choosing commercial insurance, the key to whether the insurance is good or not depends on whether the type of insurance you choose is suitable for the actual insured. For children, accidental injury and medical and health protection are also very important and cannot be ignored.

For children, a proper insurance protection plan is indeed very necessary. This is because children are at a young age, and the lack of basic protection may cause immeasurable consequences.

Therefore, it is advisable to choose the appropriate protection plan for your child's situation. Depending on your child's situation, you may wish to consider the best affordable protection package as follows: a card-style children's insurance card + an exclusive education fund protection, the former covers basic accident, medical, critical illness and other items, and the latter specifically covers education items.

As for the purchase channels of commercial insurance, you can either consult the insurance company directly, or you can go to the corresponding online insurance platform to compare and choose specific insurance products.

The Pacific Ocean, Dongfanghong's youth is wise.

Xueba said that insurance only helps families who really want to buy insurance for their children! This year, the comparison table of 136 hot-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.

What insurance is good for childrenThis problem has discouraged countless mothers and fathers who want to buy insurance for their babies, so let's take a good look at how this problem should be solved! Configure from these three aspects:

First, take care of the medical insurance first!

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, which is why medical insurance is called the first type of national insurance.

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.

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 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, 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 can solve these problems in the future.

In addition, medical insurance 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 look at accident insurance, the child's accident insurance is particularly cheap, and the insurance amount of 20w only needs sixty or seventy yuan per year, which can fully protect the child's accidental death, disability and medical expenses caused by accidents, which is cost-effective and practical.

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

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 configured comprehensively, if you buy lifelong protection, it is only two or three thousand per year, not expensive, and very useful.

That's all for me"If you want to buy an insurance for your child, which is the best commercial insurance for children? "