When is it better to buy insurance for newborn babies?

Xueba says insurance, to help you avoid all the pitfalls of buying insurance for your children! This year's comparison table of 136 best-selling children's critical illness insurance has been updated

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How to buy insurance for your child

This question has stumped many parents, today let's take a good look at what insurance should be bought for children! Follow these three points:

First, children's medical insurance is essential!

Newborn medical insurance can be handled immediately after the child is registered, whether it is a major illness or a minor illness, basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, if you plan to configure commercial insurance, it is recommended to consider pure protection critical illness insurance + medical insurance + accident insurance.

Let's start with critical illness insurance, which provides coverage for as long as possible. 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 other associated problems, such as falling behind due to illness, or some irreparable losses in subsequent life, which require a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems in the future.

Let's talk about 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, with an annual premium of 1,200 yuan, you can buy an insurance amount of 10,000 yuan, which is cost-effective and practical.

Finally, let's talk about accident insurance, children's accident insurance is very cheap, 200,000 yuan insurance is only 60 or 70 yuan per year, don't look at the cost is not much, but the protection is a lot. Accidental death, dismemberment, and accidental medical liability of the child are all covered, inexpensive, and useful.

Third, what insurance should not be bought for children?

Don't buy life insurance for your children, and try not to attach both-both-to critical illness insurance. I know the specific reasons in this articleDon't buy either type of insurance for your child! Comprehensive insurance strategy!

has been introduced in detail, because it is very detailed in the manuscript, so I will not waste time 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 fully configured, if you buy lifelong protection, it is only two or three thousand per year, cost-effective and practical.

That's all for me"When is it better to buy insurance for newborn babies?"All of them, I hope it helps you! Hope!

There are several points to note when buying insurance.

Whether the insurance plan designed by the first person for you is really suitable for you, whether the terms and benefits (only for participating products) mentioned by the second person meet the principle of good faith and whether you understand the meaning of the terms.

Third, do you tell the truth about some of the things you want to know about the person (such as income, address, medical history, etc.) (this will be a claim.)

Fourth, the most important thing to buy insurance is to protect yourself, and to understand what protections and rights you have.

When buying insurance for children, the first thing to consider is health, accidents, and secondly, education funds and so on.

Whether it is medical insurance or commercial insurance, especially personal insurance, the sooner the better.

Newborn medical insurance, children can be born on it. But if you want to buy commercial insurance, you need to wait a month. Neonatal medical insurance is a type of medical insurance for newborns, as long as this medical insurance is done within three months of the child's birth.

Then the medical expenses from the birth of the child to the time you get the medical insurance card can be reimbursed in accordance with the social security regulations. In terms of commercial insurance, newborns can be insured with relevant medical insurance as early as 28-30 days after birth, such as million medical and critical illness insurance. Among them, critical illness insurance usually has a waiting period of 90-180 days.

Finally, in order to avoid the risk of the baby suffering from some congenital diseases at birth, expectant mothers can also choose to take out neonatal medical insurance during pregnancy.

Parents need to pay attention to the following when insuring their children:

First, prioritize health protection. The healthy growth of children is the most important concern of parents, so when choosing insurance for children, they should first configure medical insurance and critical illness insurance, including general medical insurance, accidental medical insurance, and critical illness insurance that can be paid multiple times. In the event of an accident or illness of the child, the corresponding outpatient medical expenses, hospitalization expenses and other medical expenses can be covered by insurance.

For example, under normal circumstances, critical illness insurance that can be paid multiple times usually covers dozens of critical illnesses and minor illnesses, and the sum insured is generally 300,000 yuan or 500,000 yuan, which can provide effective financial support for the insured.

Second, the sooner you get insured, the more cost-effective it is. For families with sufficient budgets, it is also a good choice to allocate education fund insurance for their children. Education insurance is a type of savings insurance, which has the effect of compulsory savings and has a certain guarantee function, and the principal and dividends are received as college education funds at the end of the period.

If the insured dies unexpectedly or becomes totally disabled during the payment period, all subsequent premiums will be waived and the insurance benefits previously enjoyed will continue to be valid.

Third, choose formal channels for insurance. Before applying for insurance, consumers must know that the main function of insurance products is to provide risk protection, and carefully read important product information such as protection responsibilities and insurance amounts, especially to inform them truthfully. If you encounter unclear terms, you should ask the customer service staff to answer your questions in time to avoid claims disputes in the future.

Test your anti-risk index, experts will interpret it for you for free!

It is most appropriate to purchase insurance for newborns between the time of birth and the full moon. Buying insurance for your child as early as possible can avoid the financial burden on your family if your baby becomes unwell.

The types of insurance purchased for babies mainly include medical insurance, education insurance and accident insurance. Medicare can help families reduce the financial burden of their child's illness. And education insurance can leave a considerable amount of money for the baby's future education.

Accident insurance can pay if the baby accidentally has an accident. Therefore, all three types of insurance are essential.

Generally speaking, whether it is medical insurance or critical illness insurance, you can buy it at the age of 0, but many insurance companies still set a threshold for 0 years old, which can generally be bought at 28 days after birth, so when is the most appropriate time to buy newborn insurance, which is 28 days.

Here's why:

1. The sooner you buy, the more reassuring: children aged 0-5 have the highest incidence, especially small colds, which is a big test for them, but as we all know, especially health insurance, there are health notices, if you are hospitalized for a small disease, such as hand, foot and mouth, Kawasaki disease or jaundice hospitalization for a week, etc., you need to be informed about health, which is more troublesome, so it is most suitable to buy it in 28 days.

2. Cheap premiums: For the above reasons, if you are worried about the trouble of health notification due to illness, the baby who is more than 1 year old insured will be more than 100 yuan more expensive in premiums, and it will be thousands of dollars for decades, so there is no big need. That is to say, the second point, 28 days after birth - 364 days after birth, it is OK.

The above is all the content of when to buy the most suitable newborn insurance, based on the first point, Xi Caijun personally believes that it is the best choice to reach the insurance age to be insured.

Newborn commercial insurance should be considered within 4 types. They are critical illness insurance, accidental injury insurance, medical insurance, and education funds. Whether it is necessary to buy neonatal commercial insurance requires a specific analysis of specific issues.

For newborns, life insurance is actually unnecessary and not so urgently needed. For newborn children, accident insurance is not so urgent, and the most important thing is critical illness insurance and medical insurance.

The sooner you buy, the better.

The earlier you buy, the cheaper the corresponding insurance**.

However, for a family, it is necessary to give priority to buying insurance for the adults in the family, and then consider buying insurance for the children.

28 days after the birth of the newborn, you can buy commercial insurance, compared with social security, there are more types of commercial insurance, can be reasonably planned according to the child's situation, generally speaking, after the child is born 6 months, it is a period of frequent diseases, buy in advance. Risk-averse.

It can be bought 25 to 28 days after birth, provided that the child is not underweight and does not have congenital diseases. Fit is a relative concept, and the sooner the funds are in place, the better.

Hello answer, I have seen your question and am sorting out the answer, please wait a while1. There is no clear time requirement for neonatal medical insurance, and it can be handled at any time within one year of birth, but there are regulations that the newborn can be reimbursed for the medical insurance card within three months of birth.

If you apply for a medical insurance card after three months, you can only reimburse the medical expenses from the time the card is issued. It can be seen that neonatal medical insurance is best handled within three months after the birth of the baby, so that no matter when, the baby is sick and hospitalized, it can be reimbursed.

The arrival of a child is like a dawn for parents and even the whole family, bringing joy and hope. But at the same time, food, clothing, housing and transportation are all problems for parents. Especially the health and security of children.

Dad suggests that adults and children should make a good budget for insurance premiums, generally about 10% of the annual family income, children's insurance is relatively cheap, and Dad is here to teach parents "1000 yuan to get children's insurance, so that you can spend less money!" 》

Within 3 months from the date of birth, the newborn can go through the registration and declaration procedures at the social insurance agency in the place where the household registration belongs with the household registration booklet and the guardian's ID card (original and copy), and the payment is received to the account (subject to the time of payment to the account), from the date of birth to the end of the medical insurance year of the current year, can enjoy the resident medical insurance treatment in accordance with the regulations. In the future, you can go through the renewal and payment procedures within the prescribed registration and declaration payment period every year.

If the newborn declares within the prescribed registration and payment period, it can go through the registration and payment procedures for the current period and the renewal and payment procedures for the next medical insurance settlement year in accordance with the regulations.

First of all, we will bring you the latest and most comprehensive comparative evaluation of children's critical illness insurance"2020 Top 10 [Cost-effective] Critical Illness Insurance Rankings".

Generally, insurance companies will stipulate that children can buy commercial insurance after 28 or 30 days of birth, children's resistance is relatively weak, and adults are more likely to get sick, so it can be said that it is very necessary to buy insurance for children and transfer risks. With so many types of insurance, which ones are the best ones to buy? Below, I will briefly introduce to you three types of insurance suitable for children.

1. Children's medical insurance

This is the first insurance that should be configured for your child. Medical insurance is a welfare insurance, and his insurance fund raising method consists of three parts: "** funding", "collective support" and "individual payment". It only costs one or two hundred yuan a year, so the first insurance that should be configured for children is medical insurance.

However, at the same time, his protection is also relatively small, with a minimum payment line and a ceiling line, and many self-financed drugs cannot be reimbursed. Therefore, it is not enough to buy medical insurance, and you need to buy other commercial insurance to make up for it.

2. Critical illness insurance

Critical illness insurance is mainly for the risk of critical illness. Unlike medical insurance, critical illness insurance is a benefit-based insurance, and as long as the illness is covered by the insurance contract, you can get compensation from the insurance company. If the child suffers from a serious illness, the parent can get a lump sum insurance compensation, so that the parent can also stop work and concentrate on taking care of the child, and can not worry about money for a while.

There are many children's critical illness insurance policies on the market that are designed for common critical illnesses in children, and the coverage content is more suitable for the needs of children, and the policyholder exemption can be attached.

3. Medical insurance

"Million Medical Insurance" and "Small Medical Insurance" are two more real types of insurance in medical insurance, of which Million Medical Insurance is mainly used to protect serious illnesses with relatively high medical expenses, and its insurance amount is relatively moderate, which can cope with larger medical expenses, but its deductible is also higher, generally between 10,000 and 20,000. The small medical insurance refers to those insurances with relatively small reimbursement amounts, usually his insurance amount is only 120,000 yuan, and his deductible is also very low, as long as one or two hundred yuan, or even no deductible. His coverage is practical for the potential risks of small children, covering inpatient medical expenses due to accidental injuries and illnesses, as well as general outpatient medical expenses.

Because of the general outpatient medical insurance, even minor illnesses such as children's colds and fevers can be compensated.

4. Accident insurance

Children are more curious, but also more active and lively, small bumps are always inevitable in daily life, such as fall injuries always occur from time to time, so you can configure a children's accident insurance, as long as the content of the protection includes common accidents such as fall injuries, burns, cat and dog bites, etc., I hope to adopt!

Hello, like a newborn, you can configure commercial insurance normally after 28 days of birth, but now the insurance is complex and there are many products, and it is not easy to choose a product suitable for the child. Daddy today will help you talk about the idea of insurance configuration for newborns, you can take a look.

If you want to know how to configure the right products for your child, you can take a look at this: "The Most Complete Strategy for Children's Insurance: You Don't Have to Follow the Trend to Buy Insurance Next Time".