What should I pay attention to when buying insurance for my child? What to pay attention to when buy

Buying insurance for your child can be done for a few hundred dollars a year, but remember these three points! First, don't buy life insurance for your children; Second, don't buy a return type; Third, if you don't have enough budget, buy term critical illness insurance.

Buy insurance for your child and avoid these pitfalls first!

Hello! To buy children's insurance, you can buy it in accordance with the procedures of accident, accidental medical treatment, hospitalization, critical illness, whole life insurance, education fund, etc., and you must add the double exemption of parents, because whether you are in or not, the love of parents will accompany your child for a lifetime. There is no such thing as the best product, only the one that works best for you.

You can consider Ping An Insurance Company's guardian star, wisdom star, century angel, Xinli and other children's insurance. If you need more information, you can contact me.

Hello! The specific types of commercial insurance suitable for children include children's accident insurance, children's critical illness insurance, children's health insurance, children's education insurance and other types of insurance. The best type of insurance is the one that is suitable for children.

For children, it is recommended that you can supplement the necessary commercial children's insurance for your child according to the actual economic situation after you have completed your child's children's medical insurance. As for the premium, it needs to be calculated on a case-by-case basis depending on the child's specific situation.

Here are some tips for how to apply for children's insurance.

Buying insurance is a common thing, and almost every family has it. Insurable terms are often our biggest headaches. Because there are a lot of insurance clauses, some of them are not easy to understand. Therefore, we must pay attention to the following points when purchasing insurance:

Clause. 1. Look at the terms of insurance: If people want to accurately understand the content of insurance before buying insurance, they must look at the terms of insurance. The insurance clause is the core content of the insurance contract signed between the insurance company and the consumer, which stipulates the rights and obligations contained in an insurance. Clause.

2. Look at the insurance liability of the insurance clause: In addition to the payment of fees and other items, the key content of the insurance clause is the insurance liability. Generally speaking, except for the insurance liability, the other contents of the insurance clause are basically the same, and the distinction between various insurances is mainly in the insurance liability.

Of course, sometimes it is also necessary to look at the exclusions, to see under what circumstances the insurance company can not be liable for compensation and payment; In some cases, it is also necessary to look at the regulations and notes that are unique to certain insurance products. Clause.

3. Look at the introduction of insurance products: Many people often can't understand the terms of insurance, so the most popular way to read the written materials is to read the introduction of insurance products. Since the insurance product profile may sometimes contain inaccurate expressions of packaging and beautification products, it is best to understand it in comparison with the insurance terms after understanding the insurance profile.

Clause. Fourth, understand the payment and receipt of money: The core content of insurance that people need to understand is to pay and receive money. This includes three aspects:

One is how much money to pay and how much to receive in the future; the second is the time and method of payment, the time and method of receiving money in the future, such as how long, one-time or installment, etc.; The third is the conditions for receiving money, such as under what circumstances you can receive money, under what circumstances you can't receive money, and so on. Clause.

5. Implement the content of the understanding into the text: Not everyone can understand the written materials by themselves, so if you want to understand insurance, the most direct way is to understand the salesman's introduction to insurance. There is only one key point at this point:

Write down what you have learned one by one, and find the corresponding part of the insurance clause one by one to confirm it. Clause.

6. Fill in the insurance policy truthfully and sign it in person: There are many contents to fill in on the insurance policy, including some privacy content. Whatever it is, be sure to fill it out truthfully and sign it in person at the end.

Otherwise, the insurance company may refuse to pay or pay the insurance benefits on this basis in the future. Clause.

7. List comparison: If you feel overwhelmed by the amount of information you need to know about insurance, you may wish to list the features and advantages and disadvantages of each possible plan and compare them. The list is simple, you can start by listing a few features of each plan, a few advantages, and then a few disadvantages.

Clause. 8. Find the most trusted person to buy insurance: Due to the complexity of insurance products, many people cannot distinguish the good and bad of various options in a short time, so the most convenient way is to find the most trusted person to buy insurance. Insurance buys protection, not pitfalls.

Therefore, when we buy insurance products, we must keep our eyes open to prevent being deceived.

Precautions for child insurance:

The first point: to buy commercial insurance for children, you can apply about a month after birth, the order of insurance is accident insurance, million medical insurance and critical illness insurance, if the economic budget is limited, give priority to accident insurance and million medical insurance, critical illness insurance and so on a little older in the configuration can also be.

The second point is that if the child is born with abnormalities, such as: premature birth and low body weight, jaundice, congenital heart abnormalities, etc., you can first purchase accident insurance without health notice, and wait for the body to ** or meet the conditions in the insurance can also be, like jaundice, as long as there are no complications, most products can be purchased normally.

The third point: don't buy life insurance or education funds for your children as soon as you come up, children do not need to bear family responsibilities, so you don't need to buy life insurance, as for the education fund, you can buy it, but you should buy it when the protection (accident insurance, medical insurance, critical illness insurance) products are sufficient, after all, the body is the capital of the revolution.

The fourth point: it is also a mistake that many parents make, only buy insurance for their children, but they run naked, you know, parents are the biggest protection and defense line for children, only parents are good, children will be good, so when configuring protection for children, you must first match your own well, at the same time, buy insurance premiums for children must account for a small head, and ensure the adequacy of adult protection.

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.

Buying insurance for your child can be done for a few hundred dollars a year, but remember these three points! First, don't buy life insurance for your children; Second, don't buy a return type; Third, if you don't have enough budget, buy term critical illness insurance.

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.

Buy insurance for your child and avoid these pitfalls first!

We all have to be honest and study the terms of insurance seriously.

Here I need to remind you that although the insurance contract is very thick, don't be afraid, most of them are the general terms of the country, this part of the content as long as you pay attention to the refusal, open the insurance contract, find the insurance liability, read every word in detail, you will understand this insurance, what kind of protection will you bring pants after you buy it. If it is critical illness insurance, be sure to find the definition of critical illness in the insurance contract, you don't need to read all the critical illnesses, you just need to find a similar illness that your family members are suffering from, and see if its insurance liability meets your requirements.

If you are buying insurance for children under the age of 18, most insurance companies on the market now sell products that do not cover the amount of insurance for children under the age of 18, and the compensation is the premium you have paid.

1. Relative to the amount of compensation insured.

As we all know, critical illness insurance covers critical illnesses, including mild, moderate and critical illnesses, and these three are generally claimed separately.

Taking a critical illness insurance with an insured amount of 500,000 yuan as an example, if you get a mild illness first, the insurance company will pay 150,000 yuan according to the minor illness; If you unfortunately suffer from a critical illness again, you will pay another 500,000 yuan according to the critical illness.

However, some products make classified claims for mild, moderate and critical illnesses, and the three share the sum insured. If you have a mild illness, the insurance company will pay for the same type of critical illness after the insurance company pays out, and the amount of the benefit will be reduced.

For example, if Xiao Zhang buys a critical illness insurance with an insurance amount of 500,000 yuan, and in the future suffers from carcinoma in situ, the insurance company will pay 150,000 yuan, and then unfortunately he suffers from lung cancer, so he can only pay another 350,000 yuan.

Therefore, everyone should try not to buy such products that share the sum insured.

2. Some insurance products have added a lot of unnecessary diseases to the terms of some insurance products related to the types of diseases to be paid, so as to attract consumers with the gimmick of underwriting many diseases and comprehensive protection, and then increase the premium.

In fact, all critical illness insurance is the same, and the China Banking and Insurance Regulatory Commission has given a unified definition of the 28 most common critical illnesses, and these 28 most common critical illnesses have actually accounted for 95% of all insurance claims.

3. Cancer is the most high-incidence disease associated with the interval between cancers**, so many people pay great attention to the protection of cancer when they buy critical illness insurance.

Considering the high incidence of cancer, the insurance company will set up a critical illness insurance product with multiple claims for cancer in product design. If the policyholder suffers from cancer in the future, the insurance company pays out the policyholder, and after the interval has passed, the policyholder suffers from cancer again, and the policyholder will pay again.

The rate of cancer** is very high, and the interval is not long, and some products are set in the interval, the interval of critical illness insurance is generally 3 years, and some products will be set to 5 years. Therefore, when applying for critical illness insurance, you should pay attention to choosing products with short intervals.

The insurance options for children include accident insurance, medical insurance, critical illness insurance, education insurance, etc., which need to be selected according to their own needs and pay attention to relevant details.

In the process of growing up, children will face many uncertain risks, insurance planning is generally a bright expression of love that parents want to give, and the selection of insurance framework can be referred to as follows.

1.Accident insurance: children grow up lively and active, bumps and bumps are inevitable, now many families like to have pets, cats and dogs are likely to encounter, so a few cents a day of accident insurance can solve the cost of reimbursement caused by these accidents, try to choose an accident insurance that can include accident medical treatment beyond the scope of social security reimbursement.

2.Medical insurance: children are young, weak immunity, if there are health problems need to seek medical expenses, the cost of medical treatment is also the family's expenses that have to be spent, generally including outpatient medical insurance ** slightly more expensive, pure hospitalization is relatively cheap, depending on their needs to choose.

3.Critical illness insurance, also known as health insurance, is mainly to solve the problem that people may suffer from critical illness in their lifetime (high cost, long illness, may cause a major blow to the family economy) insurance, once it meets the requirements will be directly paid to cash, this is basically the family just needs, the child is generally smaller, the physical condition is good, the underwriting obstacle is small, the underwriting probability is high, and the premium is cheaper, depending on the product benefits, company choice, protection period, different protection amounts, or according to their own budget comprehensive evaluation choice.

4.Education insurance, this is the child's growth in the determination of expenditure, in addition to the compulsory education stage of the early stage, education expenses need to be their own expenditure, children eugenics to be better educated, hope that the son will become a dragon and phoenix is the hope of every parent, so for the child as soon as possible to prepare a future education ** is not only the hope of the parents' life but also the motivation for the child's financial intelligence training and learning, the sooner you prepare, the easier, the more the better, depending on the family situation.

5.To tell the truth, family insurance planning is best for the whole family to plan, in a sense, parents are actually the biggest protection for children, only parents are safe and healthy, can continue to create wealth for children, children's lives are guaranteed, so the insurance configuration has a principle, under the condition of limited conditions, first protect adults and then children, but accidents, critical illness is just needed by adults and children, is a necessary insurance for life.

The above suggestions are for reference, love him to protect him thoroughly, and it is also a contract to accompany his lifelong love, and it is a good way to cultivate children's financial intelligence.

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.

Buy insurance for your child and avoid these pitfalls first!

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.

What kind of insurance should I buy for my child? What insurances should I not buy? What should I pay attention to when buying insurance for my child? Look at ** and you'll know! I'm Deep Blue Insurance, focusing on insurance evaluation! Pay attention to Deep Blue Insurance, teach you to buy insurance and not pick pits