If you can enroll a seven year old child, you can not only insure the adult, but also the child s in

Without this kind of insurance, only group insurance is available for many people, and it is super cost-effective for a family to buy group insurance. It is recommended to apply for insurance separately, and the order is recommended to be adults first and then children (the reason is very simple, adults and children will be good).

Please pay attention to the reputation of "the first single in the baby's life" of the "Joyful Growth" plan, with a million critical illness insurance amount, full premium refund, and 43 kinds of critical illnesses, including 10 kinds of children's high-incidence critical illness compensation double the sum insured, 10 times the compensation for school accidents, double allowance, double exemption, and no competing products in the industry!

After all, children are active, accident insurance, and medical insurance should bear the brunt. Then consider the combination of pension insurance, children's education funds, dividend investment and other products.

Also, it should be noted that buying insurance first for adults and then children, and adults are the best protection for children. If adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is the adults who pay the relevant fees for the children.

First of all, the order of purchasing insurance is: you must first protect the product, including 1, consumption (accident insurance, term life insurance, etc.); 2. Accumulation type (whole life insurance, comprehensive insurance, etc.). Then there is medical insurance (general medical care, serious illness medical insurance, etc.), endowment insurance, children's education funds, investment dividend products, etc.

At the same time, the order of purchase of the family is: 1, the economic pillar; 2. Your lover; 3. Family members without financial income, such as children, the elderly, etc.

Secondly, the principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

Third, insurance follows the "high loss priority principle", that is, if a risk accident occurs infrequently, but the loss is serious, priority is given to insurance.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

Here, I know that in this industry, there are three sentences that say this: "brand in life", "Ping An's talents" and "Xinhua's products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally medium and long-term contracts, and if you buy it, you can become a lifelong happiness, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) To buy insurance, you must first protect the head of the family, if the main wealth creator of the family is not protected, then the premium? Cost of living? and other family expenses are not ***.

Ping An Jixing sends treasure to repay the premium at maturity!

Guaranteed high dividends.

The return is fast to maintain and increase the value of property, and the reimbursement of children's medical expenses is worry-free.

First of all, I suggest that you buy an insurance for yourself first, and then buy them both, I suggest that you can buy education insurance, the age difference between them is not much, if you go to school together, you will definitely be stressed. Buying this can reduce your burden appropriately.

Xueba talks about insurance, focusing on insurance product evaluation! Do you know what insurance your child buys at all ages? This article will suit you well:Designed for 7-year-olds! Comparison Table of 136 Popular Critical Illness Insurance in China

When the child is 7 years old, he is very curious about everything in the world, and most of them start to go to school and come into contact with the outside environment, and it is inevitable to encounter sudden accidents, but the child's emergency response ability and self-protection ability have not yet been exercised.

At this time, the idea of insuring your child should be like this:Children's medical insurance + critical illness insurance + medical insurance + accident insurance

1. Children's medical insurance

Children's medical insurance is a national welfare insurance, the purchase of children's medical insurance after the birth of the baby, within one month of the household is better, the most basic medical security given by the state to the baby we can get. Children's medical insurance can cover children up to the age of 16, and the premium is low, so it is definitely worth buying.

2. Critical illness insurance

When the child has a serious illness and the family economy cannot support the expenses required for the ** disease, critical illness insurance is a divine weapon from heaven to help you for this. Even if your budget is not large, some critical illness insurance with an insured amount of 500,000 yuan is only four or five hundred yuan a year. There are a lot of critical illness insurance on the market, but there are not many that are really suitable for children, and I eliminated batch after batch of insurance, and finally these insurances became the most suitable choice for babies to insure:

Designed for 7-year-olds! Top 10 [Cheap and High-quality] Children's Critical Illness Insurance in 2020".

3. Medical insurance

Many people always feel that medical insurance and social medical insurance are similar, and they feel that they are completely OK with social medical insurance. It's a pity that if you really get seriously ill, the reimbursement ratio of social medical insurance is limited, and many good drugs and good means are not within the scope of reimbursement. Therefore, medical insurance can be regarded as a "supplement" to children's medical insurance to reimburse expenses that are not covered by medical insurance.

4. Accident insurance

The insurance company will compensate us for death, disability and medical expenses caused by an accident. The number one cause of death among children under the age of 14 in our country is unintentional injury, according to data from the National Organization for Child Safety. Injuries such as falls, burns, animal bites, sharp injuries, etc., are common causes of accidental injuries in children.

Therefore, parents should be especially careful when purchasing children's accident insurance and give priority to accident insurance with adequate medical coverage. A good accident insurance must be as low as possible with a deductible, and the higher the reimbursement ratio, the better.

Designed for 7-year-olds! Top 10 Best Children's Accident Insurance to Buy in 2020

Depending on the financial ability, you can buy him a guarantee.

The specific recommendations for insuring your child are as follows:

1.When buying insurance for your child, you should first consider whether the adult is adequately protected, and don't put the cart before the horse.

2.Don't ignore local insurance policies, such as whether there is medical coverage for the elderly and the young.

2.Children's insurance, based on the basis of protection, then talk about education funds.

3.In terms of protection, accidents, critical illnesses, and medical treatment must be considered.

4.There are three types of children's insurance in the market: dividend, universal and investment-linked, and it is recommended to choose the first two.

5. Insurance planning, do what you can, don't deviate from the reality of affordability, then it is not insurance. Best, solve whatever you can? Don't aim for a one-step solution.

6.Remember the additional exemptions!!

6.Buying insurance for your children, don't plan too much for a rainy day, and plan your life, which is very unrealistic. Treat it rationally and do what you can. You can set short-term, medium-term, and long-term financial goals, but if you don't ask for them all, reverse the order, and it will be a mess and a waste of money.

7.First of all, we must clearly understand the above needs and rules, and then select a qualified ** person, which is very important and very important, and then choose an insurance company.

Health accident medical treatment, plus education fund financial management. Recommend financial management for a lifetime!

To buy, the guarantee product is recommended for children's safety and happiness.

I'm going to buy it.

It's necessary.

To buy insurance for minors, the main choice is to purchase commercial insurance such as academic insurance, accident comprehensive insurance, and lifelong or regular health insurance. If the child is too young, some insurance products you want to buy for your child may be restricted by some policy regulations, so you can buy a little less health insurance for your child first, and if possible, you can add a hospital allowance insurance or hospital medical insurance.

In addition, you can also consider buying a children's hospitalization mutual aid fund (about 40-50 yuan per year) for your child at the social security bureau or neighborhood office where your household registration is located, so that the child's protection in terms of medical insurance will be improved. When your child is a little older, buy him some insurance that suits his needs.

Want to know, do the child's parents have insurance now? "Protecting children and adults" is an insurance misunderstanding. If the child's parents are not protected, then even if the child is insured, the child's protection may be unstable.

What if: once something happens to the parents, what will the child pay for the future premiums? So it is recommended:

First establish a security system for the child's father and mother (first participate in social security, and gradually strengthen and improve the configuration of commercial insurance on this basis), and then buy some basic insurance products for the child (buying insurance should be a step-by-step process). Only in this way is it a scientific and correct choice for insurance.

It is very important to choose a salesman who is responsible, proficient in business, and can be trusted by you to apply for commercial insurance. Hopefully, you can find an ideal salesman who can design the insurance plan that you and your family really need and that is suitable for you.

Good luck!