What do children need to pay attention to when buying insurance Thank you

Buy insurance for your child and avoid these pitfalls first!

In view of the child's activity, we should focus on accident medical treatment and accident insurance, and then consider the combination of dividends and education funds.

Adults and then children buy insurance, 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.

For example, first purchase the social insurance launched by the state (it is best to have a unit come forward to purchase), such as the cooperative medical insurance for rural households or the medical insurance for urban residents with urban households, and then consider commercial insurance as a supplement.

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 ***.

Buying insurance for your child can be done for a few hundred dollars a year, but remember these three points! First, don't buy life insurance for your children; Second, don't buy a return type; Third, if you don't have enough budget, buy term critical illness insurance.

First of all, it is important to choose an insurance company, and it is necessary to choose a strong company. Because the claim was settled. For example, life insurance, peace, etc. Secondly, you can buy less insurance, but you should buy full insurance, and don't have insurance that is not suitable for children.

If it is less than 1500 yuan, I recommend choosing a low-premium, high-protection insurance. Ping An's Xinsheng is relatively good. You can ask us.

If you consider accidental disability death and hospitalization, I think the medical products of Zhonghong Insurance in Canada and China's strong cooperation should be the best, of course, this is just my personal opinion, specific you can call ** people to compare the plan, my sister's child was born a few months ago, last month to buy insurance, we took Chinese Life, Ping An, Pacific and Zhonghong to make a comparison, and finally we chose Zhonghong.

Ping An of China is better to keep its promise to find reasons for customers to settle claims.

It's the same in any company, the main thing is to find a good salesman!

Buying insurance is a common thing, and almost every family has it. Insurable terms are often our biggest headaches. Because there are a lot of insurance clauses, some of them are not easy to understand. Therefore, we must pay attention to the following points when purchasing insurance:

Clause. 1. Look at the terms of insurance: If people want to accurately understand the content of insurance before buying insurance, they must look at the terms of insurance. The insurance clause is the core content of the insurance contract signed between the insurance company and the consumer, which stipulates the rights and obligations contained in an insurance. Clause.

2. Look at the insurance liability of the insurance clause: In addition to the payment of fees and other items, the key content of the insurance clause is the insurance liability. Generally speaking, except for the insurance liability, the other contents of the insurance clause are basically the same, and the distinction between various insurances is mainly in the insurance liability.

Of course, sometimes it is also necessary to look at the exclusions, to see under what circumstances the insurance company can not be liable for compensation and payment; In some cases, it is also necessary to look at the regulations and notes that are unique to certain insurance products. Clause.

3. Look at the introduction of insurance products: Many people often can't understand the terms of insurance, so the most popular way to read the written materials is to read the introduction of insurance products. Since the insurance product profile may sometimes contain inaccurate expressions of packaging and beautification products, it is best to understand it in comparison with the insurance terms after understanding the insurance profile.

Clause. Fourth, understand the payment and receipt of money: The core content of insurance that people need to understand is to pay and receive money. This includes three aspects:

One is how much money to pay and how much to receive in the future; the second is the time and method of payment, the time and method of receiving money in the future, such as how long, one-time or installment, etc.; The third is the conditions for receiving money, such as under what circumstances you can receive money, under what circumstances you can't receive money, and so on. Clause.

5. Implement the content of the understanding into the text: Not everyone can understand the written materials by themselves, so if you want to understand insurance, the most direct way is to understand the salesman's introduction to insurance. There is only one key point at this point:

Write down what you have learned one by one, and find the corresponding part of the insurance clause one by one to confirm it. Clause.

6. Fill in the insurance policy truthfully and sign it in person: There are many contents to fill in on the insurance policy, including some privacy content. Whatever it is, be sure to fill it out truthfully and sign it in person at the end.

Otherwise, the insurance company may refuse to pay or pay the insurance benefits on this basis in the future. Clause.

7. List comparison: If you feel overwhelmed by the amount of information you need to know about insurance, you may wish to list the features and advantages and disadvantages of each possible plan and compare them. The list is simple, you can start by listing a few features of each plan, a few advantages, and then a few disadvantages.

Clause. 8. Find the most trusted person to buy insurance: Due to the complexity of insurance products, many people cannot distinguish the good and bad of various options in a short time, so the most convenient way is to find the most trusted person to buy insurance. Insurance buys protection, not pitfalls.

Therefore, when we buy insurance products, we must keep our eyes open to prevent being deceived.

Precautions for child insurance:

The first point: to buy commercial insurance for children, you can apply about a month after birth, the order of insurance is accident insurance, million medical insurance and critical illness insurance, if the economic budget is limited, give priority to accident insurance and million medical insurance, critical illness insurance and so on a little older in the configuration can also be.

The second point is that if the child is born with abnormalities, such as: premature birth and low body weight, jaundice, congenital heart abnormalities, etc., you can first purchase accident insurance without health notice, and wait for the body to ** or meet the conditions in the insurance can also be, like jaundice, as long as there are no complications, most products can be purchased normally.

The third point: don't buy life insurance or education funds for your children as soon as you come up, children do not need to bear family responsibilities, so you don't need to buy life insurance, as for the education fund, you can buy it, but you should buy it when the protection (accident insurance, medical insurance, critical illness insurance) products are sufficient, after all, the body is the capital of the revolution.

The fourth point: it is also a mistake that many parents make, only buy insurance for their children, but they run naked, you know, parents are the biggest protection and defense line for children, only parents are good, children will be good, so when configuring protection for children, you must first match your own well, at the same time, buy insurance premiums for children must account for a small head, and ensure the adequacy of adult protection.

1. Pay attention to the comprehensive guarantee.

In the process of growing up, children need to face a macro search for the right risks, such as disease risks, accident risks, and so on. Therefore, when parents allocate insurance for their children, they should try to configure them as comprehensively as possible.

For example, after purchasing children's medical insurance for your child, you can configure critical illness insurance, medical insurance, accident insurance and other types of insurance for your child, so as to provide your child with disease and accident protection.

2. Adults first and then children.

Parents usually love their children, and the same is true when it comes to buying insurance. Many parents patronize the insurance for their children, but ignore that they also need protection.

The senior sister suggested that parents should protect themselves before configuring insurance for their children. After all, before the child joins the job, the premium still needs to be borne by the parents, if the parents do not do a good job of protection, once it falls, then the child's policy is likely to be dismantled due to the discontinuation of the payment.

3. Children are not suitable for life insurance.

Life insurance is an extension of family responsibility, such as the death of a financial pillar of the family, and the basic livelihood of the family member can be protected through the payment of life insurance.

Since the child does not need to bear the financial responsibility of the family, there is no need to change the jujube to configure life insurance for him. For children, it is more appropriate to give priority to medical insurance, critical illness insurance, accident insurance and other types of insurance.

If you have the idea of insuring your child, it is recommended that it is more appropriate to configure it as soon as possible, so that the probability of passing health notification will be higher.

If you don't know what health advice is, you can also take a look at this articleIs the health notice of the insurance company making it difficult for us? Hope.

Children need to be born for 30 days to buy insurance, and now the two most likely risks for young or returning children are accidental injury and illness. Children need to perceive the world with their bodies at birth and are curious about everything, so accidents such as burns or fractures often occur, so it is recommended to buy an accident and accidental medical insurance for children. Children also belong to the group with a high incidence of diseases, and there are many medical accidents, problem vaccines, love flu, etc., so a health insurance is also essential, such as critical illness insurance.

If the economic conditions are better, you can save an education insurance for your child, which can be attached to accidents or diseases, and this can buy an insurance to manage your money and have protection. All insurance companies have similar insurance, which is much the same, and Sunshine Shirt is good for children's universal insurance.

It's best not to buy marriage insurance and champion bonuses and the like I studied accounting, and it was not cost-effective at all.

You can buy some protection for your child, preferably one that includes many types of diseases and can last the child for a lifetime (that is, the kind that can be insured until seventy or eighty). It is recommended not to buy, and the insurance is directly insured until the child is an adult. Because a person's life is generally old and sick.

There are accident insurance, medical insurance, critical illness insurance, education insurance, etc., which can be selected according to your own needs and pay attention to the relevant details.

In the process of growing up, children will face many uncertain risks, insurance planning is generally an expression of love that parents want to give, and the choice of insurance framework can be referred to as follows.

1.Accident insurance: children grow up lively and active, bumps and bumps are inevitable, now many families like to have pets, cats and dogs are likely to encounter, so a few cents a day of accident insurance can solve the cost of reimbursement caused by these accidents, try to choose an accident insurance that can include accident medical treatment beyond the scope of social security reimbursement.

2.Medical insurance: children are young, weak immunity, if there are health problems need to seek medical expenses, the cost of medical treatment is also the family's expenses that have to be spent, generally including outpatient medical insurance ** slightly more expensive, pure hospitalization is relatively cheap, depending on their needs to choose.

3.Critical illness insurance, also known as health insurance, is mainly to solve the problem that people may suffer from critical illness in their lifetime (high cost, long illness, may cause a major blow to the family economy) insurance, once it meets the requirements will be directly paid in cash, this is basically the family just needs, the child is generally smaller, the physical condition is good, the underwriting barrier is small, the underwriting probability is high, and the premium is cheaper, depending on the product benefits, company choice, protection period, different protection amounts, or according to their own budget comprehensive evaluation choice.

4.Education insurance, this is the child's growth in the determination of expenditure, in addition to the compulsory education stage, education expenses need to be paid by themselves, children eugenics to be more preferential, hope that the son will become a dragon and phoenix is the hope of every parent, so for the child as soon as possible to prepare a future education ** is not only the hope of the parents' life but also the motivation for the child's financial quotient cultivation and learning, the earlier the preparation, the easier, the more the cost, depending on the family situation.

5.To tell the truth, family insurance planning is best for the whole family to plan, in a sense, parents are actually the biggest protection for children, only parents are safe and healthy, can continue to create wealth for children, children's lives are guaranteed, so the insurance configuration has a principle, under the condition of limited conditions, first protect adults and then children, but accidents, critical illness is just needed by adults and children, is a necessary insurance for life.

The above suggestions are for reference, love him to protect him thoroughly, and it is also a contract to accompany his lifelong love, and it is a good way to cultivate children's financial intelligence.