The child is eight years old and already has medical insurance, what kind of education insurance is

1.It's a good idea to have separate education insurance to make sure your child has money to go to school. This is also the most important role of education insurance, and interest income is secondary, not important.

2.Nowadays, the cost of medical care is very high, only medical insurance is not enough, and the scope of medical insurance is also limited, and the child's serious illness insurance accident medical treatment is necessary and not expensive.

The child's commercial insurance is divided into two parts, one is the basic protection, serious illness, hospitalization, accident, very cheap.

The second is the education fund plan. It is divided into two parts, education fund savings and education fund guarantee.

1.Savings, that is, buying savings insurance or saving money, forcing yourself to save money for your children's schooling, so that you don't usually do other things and go to school without tuition, which is necessary for people who are not strong in self-discipline.

2.Education fund protection, the child's tuition depends on the parents to earn, that is, the child's parents must be healthy, healthy and safe, once they can not earn money, the child has no money to spend, so they should buy insurance for themselves, designate the child as the beneficiary, when they can not make money in the event of a risk, the insurance company pays money to the child, so as to protect the child.

3.Don't buy the kind of participating insurance that guarantees a lifetime annual return, that is not education insurance. Education insurance is guaranteed until you graduate from college, and you will receive money every year for four years, and some will also pay a dowry at the age of 25.

Buying insurance is the same as buying other things, first clarify what you need, and then find the right product according to your needs, and the probability of buying the wrong one is much smaller. A professional ** person is very important. **People can help you analyze, how much to buy, what insurance to buy, how much is the reasonable premium, etc., to buy insurance should be different from person to person, tailor-made, and within your means.

Specific products need to understand your situation in order to give you the right advice. Occupation, age, gender, existing insurance, etc. I can help you analyze it.

Parents need to buy some accident insurance, pure protection critical illness insurance, and the education fund cannot buy ordinary ones, which are very close to going to college to receive.

At present, ordinary insurance products are simply not protected against negative interest rates. It is recommended that you consider the U.S. "Investor Trust"** platform. 8-year-old child, save 10,000 per year for him, save for 10 years, start to receive 30,000 per year for college education at the age of 18, receive a total of 120,000 for 4 years, get married at the age of 26 and get 200,000, and receive 60,000 per year from 35.

There are still 500,000 accounts and they will continue to grow. The amount can be increased every 8 to 10 years. It can be claimed for life.

You can also leave a sum of money for your grandchildren.

Both can be considered, but the key is whether you are currently focusing on child protection or education. The return of insurance is fundamentally protection.

You can consider education participating insurance plus sickness, health, and accident protection.

What kind of insurance do families buy, gold and silver jewelry, cash value is not guaranteed, bicycles, electric vehicles, motorcycles are excluded, furniture is closet, houses are reinforced concrete, what do you insure?

Just buy your own critical illness insurance and save money for your children's education insurance. Suggestion: Adults buy Corning Critical Illness Whole Life Insurance, and children buy Fuxing Children's Insurance (it's okay to be 8 years old, and there is little room for appreciation later).

Buying insurance is the same as buying clothes, tailor-made, and it is impossible for the whole family to wear one piece of clothing. Buying insurance should also be earmarked, according to your family conditions, economic income, to make a perfect education protection plan.

In general, the cost of this insurance itself is not so big, but it plays a role far beyond your imagination, spending less than 100 yuan a year can get tens of thousands of dollars of protection, isn't this a kind of investment with a lot of profits? We don't want accidents to happen to our children, but what happens. Accident,The reason why he called it an accident is something we didn't expect, so there should still be aspects.

It is a safety insurance for elementary and middle school students, and it is an insurance purchased for children, and it can protect the child's body, and it is also a group insurance, so it should be purchased for children.

Xueping insurance is a kind of personal accident insurance, which is a kind of insurance for the characteristics of primary and secondary school students. It should be purchased for children.

It is a kind of safety insurance for primary and secondary school students, and it will cover some accidental injuries. It should be bought, because children may encounter a lot of things, so there is a better protection.

Although both have the advantages of low premiums and comprehensive protection, there are big differences between the two. On the basis of children's medical insurance, you can also purchase student insurance.

Children's medical insurance is a children's medical insurance system established by the state, which belongs to the social medical security system. Whereas, Xueping Insurance is a commercial insurance. The advantage of children's medical insurance is that it can be insured with illness, and those who will not be sent will refuse insurance because the child is weak and has a high chance of getting sick, and it can also be done if there is a congenital disease.

However, there are shortcomings such as many protection restrictions and few types of medication, which are limited to basic protection.

The premium of Xueping insurance is very cheap, often only tens or hundreds of yuan, and you can get more perfect protection. The coverage of general student insurance includes: death, accidental disability, accidental injury medical treatment and hospitalization medical treatment, which can be reimbursed and supplemented on the basis of universal medical insurance.

At present, in order to expand the user base, insurance companies have launched a variety of insurances, such as some endowment insurance and critical illness insurance. Now the insurance company has set its sights on the group of primary school students and launched the study level insurance, so what kind of insurance is the school level insurance? Can I buy it for my child?

Learn the introduction of insurance leveling.

In fact, the school insurance is an insurance to ensure the safety of primary and secondary school students, and only children who go to school can buy it. This insurance product will be promoted on major platforms at the beginning of school every year, and more parents want to buy insurance for their children. It is very cheap, generally only a few dozen dollars, but the scope of protection is very wide, mainly including the following three types of situations.

The first is accidental medical treatment, if the child has an accident and wants to go to the hospital for emergency treatment, or because of an accident hospitalization, the student insurance can be reimbursed. The second is illness medical treatment, which can be reimbursed in accordance with the regulations after being hospitalized, and the third is death and disability protection, if the student dies due to an accident or illness in school, the student insurance will pay you a lot of money.

Can I buy it for my child?

The advertisement of Xueping Insurance is very good, it claims that the cost is very low and the coverage is very wide, so this also attracts many parents who want to buy broken screen insurance for their children. But I feel that an insurance policy cannot be so good, and it must have some shortcomings. However, the premium of the student insurance is relatively cheap, and if parents want to buy an extra protection for their children, they can also buy the student insurance.

But before buying insurance, you can also choose a large insurance company to buy, and a large insurance company is still more reliable.

Summary. Parents should know that primary school students are prone to accidents at school, so it is also good to buy a school insurance for their children, and the premium of this insurance is relatively low, and there are many rights and interests that can be protected. However, if you have purchased personal accident insurance or other growth insurance for your child, you do not need to purchase school insurance.

Xueping insurance is mainly a kind of safety insurance specially set up for children who go to school, and generally in the event of illness or accident at school, it can be reimbursed through Xueping insurance. The school insurance is not high, and it can be purchased for children if there are conditions.

Xueping insurance refers to a kind of education insurance, which is also very worth buying, you can buy it for your children, and the insurance claim coverage is also relatively good and very flexible.

It is mainly a kind of insurance for children's education. It can be purchased for children.

Xueping insurance is a safety insurance for primary and secondary school students, and it should be bought for children.

The full name of Xueping Insurance is "Ping An Insurance for Primary and Secondary School Students", which is a kind of personal accident insurance and an insurance for the characteristics of primary and secondary school students. Students are often voluntarily insured when they enter the school, and the insured only needs to pay a premium of a few tens of yuan to obtain a number of protections including accidental injury, accidental injury medical treatment and hospitalization medical treatment.

It is the most extensive and common insurance for children and teenagers. Its biggest feature is that the premium is cheap and the coverage is relatively wide, which is more suitable for underage students.

Sum Insured:

This insurance is insured by shares, and each person pays a premium of RMB per academic year, and pays it in one lump sum according to the academic system at the time of application. The insured amount of each insurance is: 10,000 yuan for death and disability due to personal accident, and 3,000 yuan for medical expenses for injury caused by accident.

For the medical expenses that can be reimbursed in accordance with the regulations of the local social medical insurance department, the company will pay the medical insurance premium at a rate of 60% within the insurance amount after deducting the deductible of 100 yuan, and the insurance amount is 20,000 yuan.

The above content refers to Encyclopedia - Learning Insurance.

First of all, parents need to understand the education pension annuity insurance and critical illness insurance, what are the respective protection targets of these two types of insurance? What are the safeguards?

Secondly, everyone should also clarify what are the protection needs of their children? Moreover, the senior sister believes that compared with children's health, education is of course the most important thing; It is reasonable to give priority to the allocation of critical illness insurance for children, and then it is the turn of education pension annuity insurance.

Before officially entering the topic, the senior sister prepared the basic knowledge of insurance, and interested friends may wish to click into the following to learn about the source of the age:

Ultra-complete! Everything you need to know about insurance is here

First, critical illness insurance refers to a kind of health insurance that takes the health of the insured as the core protection, while education annuity insurance is an insurance that provides a certain amount of financial security for the child's future education stage.

Therefore, critical illness insurance mainly plays the role of escorting children's health, and education annuity insurance plays the role of providing economic security for children's future education process.

In contrast, it is definitely the child's physical health that is more important, and it is recommended that parents give priority to the allocation of insurance for the child's physical health when applying for insurance.

Speaking of which, if there are parents who want to insure their children with critical illness insurance, then the following article is worth referencing:

Top 10 ultra-cost-effective children's critical illness insurance, don't miss this treasure guide!

Considering that the current competitive pressure is relatively large, and the child's future education expenses are rigid expenses; Anyway, you have to spend this money sooner or later, so it's better to start saving early, so that when the child really needs to spend money, you don't have to worry.

Here it is recommended that parents can learn more about different education insurance products before applying for insurance, make a full comparison and combine with their children's future education planning, so as to screen the insurance products that meet the requirements.

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