How to buy insurance for a 4 month old baby, how can you buy it without buying a package?

The 4-month-old baby does not need to buy insurance**, and the senior sister recommends configuring neonatal medical insurance, critical illness insurance, million medical insurance, and accident insurance, which are more cost-effective and practical. Parents who are in a hurry, you can also take a look at this super comprehensive insurance strategy to save money and worry:

Less than 1000 yuan, get the child's insurance!

1. Neonatal medical insurance.

As a national welfare policy, neonatal medical insurance is cheap and cost-effective. Whether it is a congenital condition or a pre-existing medical condition, it can be covered unconditionally, which is irreplaceable by commercial insurance. If your baby is not currently covered by neonatal medical insurance, then it is recommended to go to the local social security agency as soon as possible.

2. Critical illness insurance.

Critical illness insurance mainly covers critical illness, when the baby has the contracted illness and meets the agreed claim conditions, the insurance company will pay a sum of insurance money.

The **** cost of many babies' high-incidence critical illnesses is as high as hundreds of thousands, taking common leukemia as an example, the cost and cost are at least 600,000, which are difficult for ordinary families to bear. Therefore, critical illness insurance must be arranged for the baby. Senior sister is also here to prepare some cost-effective products for everyone, you can take a look

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

3. Medical insurance.

Common medical insurance includes small medical insurance and million medical insurance, small medical insurance can reimburse minor illnesses such as colds and fevers, and million medical insurance can reimburse high hospitalization expenses and ** fees for major illnesses, and can be reported up to several million. Medical insurance can not only provide better relief for children in a timely manner, but also reduce the financial burden of families.

4. Accident insurance.

In the process of growing up, the probability of accidental injury is relatively high, and the existence of accident insurance is to help us transfer the economic losses caused by accidents, which not only provides a full range of safety for children, but also reassures parents.

Of course, all parents should also care about their own health and safety, only when the protection of adults is implemented, the baby can be better protected.

The insurance needs of people of different ages are also different, and the specific insurance plan can be found here: How to buy insurance for different age groups? Everyone should have their own plan.

If you want to buy insurance for your 4-month-old baby and don't buy **, you can buy medical insurance, critical illness insurance and accident insurance. These three types of insurance are all rigid insurance for 4-month-old babies, and they can also establish a relatively solid protection for diseases and accidents for 4-month-old babies.

When buying insurance, you should first choose social security, and then you can consider commercial insurance, which first considers health, and so on.

There is no such thing as a good or bad insurance product, only whether it is suitable or not. First of all, remember that the biggest insurance for children at this time is their parents, and secondly, it is recommended to buy protection health insurance, and if conditions permit, you can buy financial insurance for your children in advance to make reserves for future education. Specifically, you can go to the life insurance company for consultation, and don't listen to the one-sided words of the business staff.

You can buy this disease insurance for the baby, because the baby is now relatively young and does not know what the physical condition will be in the future, so it is relatively more secure to buy this disease insurance, and it is easy to reimburse if there is a problem.

Summary. Kiss is happy to answer for you, hello, what is the best insurance for babies after four months: critical illness insurance, medical insurance, accident insurance.

Hello, what is the best insurance for babies after four months.

Any good advice.

Kiss is happy to answer for you, hello, what is the best insurance for babies after four months: critical illness insurance, medical insurance, accident insurance.

What could be better than what you said.

Well, it is more appropriate for babies to buy medical insurance, accident insurance and critical illness insurance, because their immune system is still immature, the resistance is weak, it is a high incidence stage of the disease, and even hospitalization in serious cases**, so from the perspective of risk transfer, the most important thing to transfer through insurance is the risk of illness and accident. Generally speaking, 6 months after the birth of a child, it is a period of frequent diseases, and buying insurance in advance can reduce the loss caused by the child's illness in advance, after all, commercial health insurance will have a waiting period. However, before buying commercial insurance, remember to apply for children's medical insurance, children's medical insurance is the country's welfare insurance, ** cheap, no insurance threshold, regardless of congenital diseases or past medical history, can be unconditionally underwritten, which is irreplaceable by commercial insurance.

To apply for medical insurance for newborns, you must act quickly! Try to get it done within three months of your baby's birth. In this way, the medical expenses from the birth of the child to the time when the medical insurance card is received can also be reimbursed.

Some parents want to give all the best to their children after the birth of their children, and the same is true of insurance, but the biggest protection for children is the parents themselves, so the right thing to do should be: adults first, then children. Summary:

Parents are the greatest protection for their children, so parents should give priority to configuring insurance for themselves and then consider the protection of their children.

The baby's insurance configuration plan is: children's medical insurance, critical illness insurance, million medical insurance and accident insurance.

Generally speaking, if you want to buy insurance for a four-month-old baby, children's medical insurance as the basic protection is naturally configured. If you have commercial insurance, it will be more suitable to buy these types of insurance: critical illness insurance, medical insurance, and accident insurance.

Parents who don't know how to buy insurance for their babies can take a look at this article first: In-depth article - how to buy insurance for children? Netizens shouted: Why did you only see it now.

1. Critical illness insurance.

During the protection period of critical illness insurance, if the insured suffers from the disease agreed in the policy and meets the conditions for claims, the insurance company will pay a sum of insurance according to the agreement, and there are many critical illness insurance on the market, which is protected for high-incidence children's special diseases, so it is also important to configure a critical illness insurance for children.

2. Medical insurance.

There are many types of medical insurance on the market, and the common medical insurance suitable for babies is million medical insurance and small medical insurance.

Million medical insurance is mainly used to reimburse the ** cost of our illness and hospitalization, many medical insurance does not reimburse the expenses, most of the million medical insurance can be reimbursed.

Small medical insurance is more often used to reimburse the ** expenses incurred by the child's daily cold and fever hospitalization, which is more practical. For children, the premium of medical insurance is relatively low, and under normal circumstances, it is better to configure millions of medical insurance and small medical insurance for children.

3. Accident insurance.

Accident insurance mainly covers personal injury caused by external, sudden, unintentional and non-disease events. For children, their curiosity about the new things around them is heavier, but their safety awareness is relatively lacking, and the probability of accidents will be relatively large, so it is also necessary to configure accident insurance for the baby.

Hello! The arrival of your baby brings happiness and joy to your family but also brings infinite worries and worries to your parents, your baby is only four months old, in order to further improve your baby's protection, it is wise to plan an insurance plan for him as soon as possible.

For young children, the younger they are, the more likely they are to develop diseases, so how do we buy insurance for four-month-old children? What is the best coverage for children's critical illness insurance? Which ones are cost-effective?

Which one is the best to buy? Let's take a look at the new list of the most segmented limbs! Ranking of the top 10 best-selling children's critical illness insurance in China.

Ask. My child is four months old, and I want to buy him a general medical insurance with an annual payment of about 500 yuan, which is for common diseases and hospitalization expenses.

Answer. Annual premium: $400,500.

Insurance liability: 1. Accidental death or total disability, 50,000 yuan will be paid; Talk about the world.

2. Hospitalization for illness, full reimbursement of medical expenses, no deductible, each time limit is 2,000 yuan, and there is no limit to the number of reimbursements throughout the year;

3. Accidental outpatient or hospitalization, full reimbursement of medical expenses, no deductible, limit of 7,000 yuan per commotion, unlimited reimbursement times throughout the year;

4. During hospitalization, you will receive an income compensation of 20 yuan per day, and you will receive it for up to 180 days a year.

Tips: Choose different insurance products according to the different ages and needs of your children, and in order to protect your children's lives, you can choose to buy a medical insurance for our children.