Do you have health insurance for your children, and what kind of health insurance is good for your c

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

You can click on it to see how it will help you choose your child's insurance.

How to buy insurance for your child

This problem makes many parents have no idea where to start, today let's take a look at how to buy insurance for their children! Follow these three criteria::

First, medical insurance must be handled well, which is the basic guarantee of the people!

After the child is registered, the first thing to do is to complete the medical insurance. Whether it is a major illness or a minor illness, basic medical insurance is particularly important, which is the basic security welfare given by the state, and must be handled well.

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. In addition, critical illness insurance can pay a large amount of cash directly after getting sick, which can not only solve the problem of medical expenses, but also solve many hidden problems caused by illness, such as missing homework due to illness, which requires a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems.

In addition, medical insurance can be used to reimburse the medical expenses of children's usual medical treatment, for example, a 0 deductible hospitalization medical insurance, the sum insured of 10,000 yuan is only 1,200 yuan per year, which is cheap and useful.

Finally, let's look at accident insurance, it is very cheap for children to buy accident insurance, and the insurance amount of 200,000 yuan is only sixty or seventy yuan per year, which can protect the child's accidental death, accidental disability and accidental medical liability, which is very practical.

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

Don't choose life insurance for your child, and try not to attach both liabilities to critical illness insurance. I know the specific reasons in this articleHow to buy insurance for your child without being cheated? This guide tells you!

has been introduced in detail, because it has been clearly stated in the manuscript, I will not say too much here.

According to the idea I give 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, which is very cost-effective.

That's all for me"Do you have health insurance for your children, and what kind of health insurance is good for your children?"All of them, I hope it helps you! Hope!

Hello, you can buy a type of insurance for your child that reimburses hospitalization medical expenses, the amount of insurance is 30,000 yuan, and if the economic conditions are good, it can be increased appropriately. In addition, buying a critical illness insurance for children should not be ignored, pay attention to the insurance terms when purchasing, whether to cover leukemia, viral meningitis and other high-incidence diseases in children, how much is the child's health insurance and the actual situation of the child, there is no way to give you an absolute answer here, you still combine the actual situation of the child and the family to the insurance company to compare and choose, or you can also refer to this link.

How to buy your child's health insurance).

Hello! It is absolutely correct to buy insurance for your child. You can't let your child lose at the starting line.

I recommend that you buy PICC Life Insurance's worry-free lifetime critical illness insurance, which includes 54 critical illnesses and 15 kinds of special illnesses and accidental injuries. 15 types of special diseases can be paid 20% first, and then the contract continues to be 100% valid. Feel free to consult me again.

It depends on how much you want to insure, usually 300,000 or 500,000.

Hello! When purchasing health insurance for their children, parents should give priority to improving their children's medical protection, then pay attention to their critical illness protection, and finally choose to apply online to save on premiums. Here are the relevant tips that you can use as a reference:

1. Prioritize improving children's medical insurance: Compared with ordinary children's outpatient medical expenses, children's inpatient medical expenses are undoubtedly a major risk, so parents should pay special attention to inpatient medical insurance when buying children's medical insurance for their children.

2. Secondly, pay attention to critical illness protection: compared with minor illnesses such as children's colds and fevers, common high-incidence critical illnesses such as leukemia and hand-and-mouth disease are undoubtedly a major risk for the whole family. It is recommended that parents should clarify the coverage when applying for children's critical illness insurance and check whether the selected children's critical illness insurance covers common children's critical illnesses.

It is recommended that the insured amount for critical illness be more than 50,000 yuan, otherwise the meaning of insurance will be lost.

3. Finally, choose the right insurance method: There are many ways to buy children's health insurance, including going to the insurance company to apply for insurance, looking for an insurer, and applying for insurance online. Comparatively speaking, online insurance is more convenient and affordable.

Types of commercial medical insurance for newborns.

At present, there are many types of infant medical insurance on the market, such as children's medical insurance, children's critical illness insurance, children's accident insurance and comprehensive universal insurance.

1. Children's medical insurance, the insurance cost is not high, when the baby is hospitalized, you can get the corresponding medical compensation and hospitalization allowance, many parents are more recognized by this one;

2. Children's critical illness insurance, mainly for infants and young children with high incidence of critical diseases, due to the current trend of critical illness at a younger age, the possibility of infants suffering from major diseases is also increasing, in order to avoid falling into the dilemma of no money for treatment, it is also necessary to buy this infant medical insurance for the baby;

3. Children's accident insurance is aimed at the characteristics of low self-protection ability and curiosity of infants and young children, providing medical protection for children with various accidental injuries, reducing health risks and reducing economic losses;

4. Comprehensive universal insurance is a very typical infant medical insurance, its coverage is very comprehensive, hospitalization, serious illness, accidental injury protection, and even education protection, and generally lifelong protection, this comprehensive medical insurance is suitable for younger infants, the younger the age, the longer the protection time, but usually the premium of this insurance is relatively high.

Options for commercial medical insurance for newborns.

1. Choose infant medical insurance with higher outpatient claims

Outpatient expenses occur more frequently, but commercial insurance generally does not bear insurance liability for disease outpatient services, but there are exceptions, such as Kunlun Health Insurance Company's Health Bao Children's Insurance can provide children with special disease outpatient expenses reimbursement. When choosing outpatient children's medical insurance, parents should choose insurance with higher claims and claims for special diseases.

2. Choose infant medical insurance that provides coverage for congenital and pre-existing conditions

Some children may be congenital with some diseases, and commercial insurance does not provide protection services in order to control the risk of this part of the ** cost, which means that children with congenital diseases rarely have medical protection. However, if the mother has taken out maternal and infant insurance during pregnancy, then the baby can also get a valid claim if she has a congenital disease.

3. Insured infant hospitalization medical insurance covers hospitalization expenses:

For the insured infant hospitalization medical insurance, to protect, ** and claim three aspects of comprehensive, only from the ** level can not judge the quality of the product. For example, some relatively inexpensive plans may have more restrictions on deductibles. In addition, when purchasing this type of medical insurance, you should pay special attention to the details of the payment terms, such as understanding the specific way of the insurance claim limit, some types of insurance not only stipulate the maximum claim limit, but also have a limit for each sub-claim; Another example is to understand the reimbursement rate of the total cost stipulated by the specific insurance type.

In fact, there is no good or bad infant medical insurance itself, the key is to be suitable. Parents should choose products suitable for their babies according to the specific situation of their children, such as physical strength, living environment, family conditions, age and a series of factors. At the same time as purchasing, it is also necessary to read the insurance protection regulations and exemption clauses to avoid unnecessary troubles and disputes.

Hello, first of all, it is very wise for you to consider buying health insurance for your child. Here are a few suggestions for you to buy health insurance for your child, and the protection period should not be too long. The same goes for insuring your child online.

Children grow faster and face different risks of illness at each stage, so it is recommended to focus the coverage period on the child's adult age. When the child grows up, the insurance direction can be adjusted appropriately according to the actual mold penetration situation. Buying health insurance online is a reliable one, provided that you apply for insurance on a professional online insurance platform.

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

1.Social securityis the foundation.

Children's medical insurance refers to the medical insurance for urban and rural residents for children, 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!

However, the insurance coverage and reimbursement amount of medical insurance are limited, and it is also necessary to configure critical illness insurance, medical insurance and accident insurance for children to deal with possible serious illness risks and accident risks respectively and compensate for possible economic losses. With the configuration of these three types of insurance, the protection for children is basically relatively complete.

Critical illness insurance

The main function of critical illness insurance is to transfer the risk of economic loss caused by critical illness and compensate for the economic loss of critical illness. Unlike medical insurance, as long as a covered illness is diagnosed, the insurance company will pay for it, and the money paid is free to use. I've compiled all the good critical illness insurance for children in the following article.

Top 10 [cheap and high-quality] children's critical illness insurance in 2020

Medical insurance

Medical insurance can reimburse necessary and reasonable medical expenses arising from accidents or illnesses, and is an important supplement to critical illness insurance. Million medical insurance: Hundreds of millions of medical insurance varieties usually have a deductible of 10,000 yuan, but the reimbursement ceiling is very high, which is used to solve the problem of looking down on serious diseases; Micro Medical Insurance:

The deductible is very low or even no deductible, and the reimbursement amount is only a few thousand or tens of thousands, which is used to reimburse the ** expenses of minor injuries and illnesses such as colds, fevers, fractures and dislocations.

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 insurance

The 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

When choosing accident insurance for the baby, it is especially necessary to look at its accident medical protection, preferably 0 deductible, 100% reimbursement, and 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.

It is appropriate to buy children's accident insurance, children's medical insurance, children's critical illness insurance, and children's education insurance for childrenThe function of insurance is protection, and parents need to follow the principle of "prioritization" when choosing the first insurance product for their children. When insuring children, you can pay attention to protection first and then education, first insure the risks that are likely to occur in childhood, and then insure the risks that are "far away" from the child. Here's what you know:

1. Children's accident insurance

When purchasing children's accident insurance, you can choose a comprehensive accident insurance product for your child, and you should pay special attention to some accidents that occur frequently in children, such as poisoning, falling, burns, etc.

2. Children's medical insurance

You should choose a product with a short waiting period and low deductible, and you can choose a product that can be both outpatient and inpatient when applying for insurance.

3. Children's critical illness insurance

This kind of insurance for serious illnesses mainly depends on what major diseases can be covered, especially some common serious diseases in children, such as leukemia, encephalitis, etc., which should be included in the insurance liability.

4. Children's education fund insurance

After improving the above personal health protection, parents can apply for children's education insurance for their children, and pay attention to choosing products with premium waiver clauses when applying for insurance.

Hello! Buy insurance for your child.

, there are four main categories to consider:

1. Children's accident insurance, which is a kind of protection type of children's insurance. It has the characteristics of low premium, high protection and no return, which is suitable for consumers who want to buy on a basic basis and only cover accidental injuries;

2. Children's health medical insurance, which is also a kind of protection type of children's insurance. It has the same characteristics as children's accident insurance, with cheap premiums, high protection, and no return, which is suitable for consumers who want to buy on a basic basis and have poor children's physique;

3. Children's education savings insurance, which is a savings type children's insurance. It is characterized by regular and fixed contributions, more savings and more returns, and savings and protection at the same time, which is suitable for consumers who have clear goals and plan to reserve for the medium and long term;

4. Children's investment financial insurance, an investment-type children's insurance. It is characterized by the fact that the premium and the amount of insurance can be decided by themselves, and can be withdrawn at any time, and there is also income at the same time, which is suitable for consumers with a relatively high premium budget.