I want to buy a juvenile insurance for my two year old son. Do you have some opinions?

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.

It is recommended to communicate with ** people in detail and verify with multiple parties, after all, face-to-face communication is the most practical and effective way.

Xueba says that insurance only recommends insurance that is really useful for children! This year, the comparison table of 136 hot-selling children's critical illness insurance has been updated

Click to claim now, I believe it can help you.

How to buy insurance for your child

This problem makes many parents have no idea where to start, today let's take a good look at how to buy insurance for their children so as not to be pitted! Pay attention to three key points:

First, take care of the medical insurance first!

Newborn medical insurance (medical insurance for urban and rural residents) is a national basic insurance, and the child should be handled immediately after birth, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so this must be handled for the child.

Second, after the medical insurance is handled, you can consider configuring commercial insurance for your child, giving priority to critical illness insurance + medical insurance + accident insurance.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). In addition, critical illness insurance can directly pay a large amount of cash after getting sick, in addition to solving the best expenses, it can also solve many hidden problems caused by illness, such as taking care of sick children, and the economic losses brought to the family, which require a lot of cash to make up. Buying a pure protection critical illness insurance policy can be used to solve these problems.

In addition, medical insurance can be used to reimburse the medical expenses of children's usual medical treatment, for example, a 0 deductible hospitalization medical insurance, with an insurance amount of 10,000 yuan, which is only 1,200 yuan per year, which is cost-effective and practical.

Finally, let's talk about accident insurance, children's accident insurance is very cheap, and the insurance amount of 20w only needs sixty or seventy yuan per year. Accidental death, disability and accidental medical liability of the child can be covered, which is very cost-effective.

Third, don't buy both types of insurance for your child!

Don't assign life insurance to your child, and try not to choose critical illness insurance with both liabilities. I know the specific reasons in this articleHow to buy child insurance without being cheated? You'll know when you see it!

has been introduced in detail, because it has been written in detail in the manuscript, so I won't spend too much time introducing it here.

According to the above insurance ideas, if you are configuring regular insurance for your child, you can configure it for about 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is quite cost-effective.

That's all for me"I want to buy a juvenile insurance for my two-year-old son. Do you have some opinions? "All of them, I hope it helps you! Hope!

When choosing an insurance company for your child, you can focus on the following aspects:

1. The solvency of the insurance company.

The solvency of an insurance company is the ability to bear the liability for future claims, and an insurance company whose solvency meets the requirements is more reassuring. If you want to check the solvency data of the insurance company, you can check it through the official website of the insurance company - Public Information Disclosure - Solvency Quarterly Report Summary.

2. The service level of the insurance company.

The higher the quality of service provided by an insurance company, the better the experience it will bring to its customers. Insurance companies with good service will be more convenient to apply for insurance, more worry-free security services, and faster claim settlement.

3. Consumer recognition.

The insurance company chosen by many consumers will definitely have its advantages. Therefore, public acceptance can also be used as a criterion.

Different insurance companies and different insurance products have different coverage contents, so you can choose the right insurance company and corresponding children's insurance products based on your own situation and family financial ability.

2. If you need to buy insurance, you can also consider Ping An Insurance, Ping An Life: 95511-1, Ping An Auto Accident Insurance: 95511-5, Ping An Pension Group Insurance: 95511-6.

Hello! Each insurance company has children's insurance, so there is no one best, and the right plan for your child is the best!

I wonder if you have community health insurance for your child? If not, it is recommended that you apply for community medical insurance for your child first, and then consider applying for commercial insurance!

For children's insurance, there are generally children's accident insurance, children's critical illness insurance, children's health insurance, children's education insurance and other types of insurance. The best type of insurance is the one that is suitable for children.

Hope it helps! If you have any other questions, please feel free to contact me!

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello! Accidents and illnesses are risk factors for children, and parents should pay more and more attention to the protection of education. Parents who can afford to buy insurance for their children should do a good job of protecting their children.

The baby is 2 years old this year, how to buy children's insurance for him? The decision should be made based on the child's circumstances and specific needs.

The baby is 2 years old this year, how to buy children's insurance for him?

1. Children's Accident Insurance - Protective Children's Insurance; Buying this type of insurance does not mean that you can not worry about the safety of your child from now on, it is just that you can get some financial help and compensation after the child has an accident.

2. Children's health and medical insurance - protection children's insurance; Critical illness insurance is cheaper the insurance premiums the younger the age at which they are issued. In the past, many companies required critical illness insurance to be over 18 years old, but now children under the age of 16 can also purchase this type of insurance.

3. Children's education savings insurance - savings children's insurance; Compared with simple investment channels such as savings, the purchase of educational insurance has an additional layer of protection function. In addition, the purchase of insurance can also achieve the purpose of reasonable tax avoidance to a certain extent.

4. Children's investment and financial management insurance - investment-type children's insurance. Parents still need to consider their actual needs before applying for insurance, especially whether to make repeat purchases.

The baby is 2 years old this year, how to buy children's insurance for him? Be sure to pay attention to choosing the right insurance product for your child according to the situation of your child and your own family

Xueba talks about insurance, focusing on insurance evaluation! Hey? Recently, it seems that many people are talking about how to buy insurance for children, so I will talk about how our children should configure insurance I wrote an article before, listing the popular children's critical illness insurance, if you have time, you can take a closer look, I believe you can have a general understanding of children's productsDesigned for 2-year-olds!

Comparison Table of 136 Popular Critical Illness Insurance in China

2-year-old children are not very old, according to the data, it is one of the age groups with the lowest rate of critical illness in all age groups, so the budget for configuring insurance does not need to be very high, the cost performance is very high, and there are many products to choose I will talk about the general idea, mainly includingCritical illness insurance + accident insurance + medical insurance

1.Critical illness insurance

Although the probability of children suffering from critical illness is not particularly high, the probability of children suffering from certain critical illnesses is actually quite high, so it is recommended to buy it. So how much do you have to pay? It's not high, a few hundred a year, and there will be hundreds of thousands of insurance amounts, and the insurance leverage is super high.

So what are the critical illness insurances that are worth our careful consideration? If you are interested, you can take a lookDesigned for 2-year-olds! 2020 Top 10 [Cheap and High-quality] Children's Critical Illness Insurance".

2.Accident insurance

Children are more lively, often falls, burns, these situations, buy an accident insurance, can protect this situation after the unfortunate occurrence, there are enough expenses for the follow-up. Is child accident insurance expensive? It is not expensive, it is less than 200 a year, it is recommended to buy.

Which accident insurance products are ultra-cost-effective and fully protected? Don't let it goDesigned for 2-year-olds! The 10 most worthwhile children's accident insurance points!

3.Medical insurance

Medical insurance is a cost-effective insurance product, ** is very low, but the amount of insurance is surprisingly high, under normal circumstances, and critical illness insurance to buy together, complement each other better, it mainly protects hospitalization, drugs and other expenses, medical insurance is expensive? The answer is not expensive, only more than 100 a year, most families can afford it, but the reimbursement amount has reached an astonishing million, it is highly recommended to buy!

Arnold answered:

Hello! It is still necessary to buy a child insurance policy for your child. Because no one can guarantee that the child will not get sick or have an accident.

Therefore, health insurance and accident insurance are indispensable as children grow up. Once you encounter a risk, you can at least pass on the risk through the insurance company to provide a protection for the child.

There are many types of children's insurance, so the choice of insurance company is also important. At present, insurance companies are the most popular among everyone. It is not only a Sino-foreign joint venture life insurance company, but also an insurance company that is deeply trusted by consumers, which is worthy of consumers' trust and choice.

Xueba talks about insurance, and teaches you to choose the best insurance for your child! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated, click to get it now, I believe it can help you choose the right insurance for your child.

What insurance should I buy for my child?First, the country's medical insurance must be handled!

After the child is registered, the first thing to do is to complete the medical insurance. Regardless of whether it is a major illness or a minor illness, basic medical insurance is particularly important, so it is necessary to apply for medical insurance for children.

Second, in addition to the basic insurance of national medical insurance, commercial insurance should also be considered, and critical illness insurance + medical insurance + accident insurance should be given priority.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection. In addition, critical illness insurance can directly pay a large amount of cash after getting sick, in addition to being used to treat the disease, it can also solve many hidden problems in the future, such as children who delay their studies due to illness, and even some subsequent life losses, all need money, and all need money to solve these troubles. Buying a pure protection critical illness insurance can just solve these problems in the future.

For example, with a 0 deductible hospitalization medical insurance, you can buy an insurance amount of 10,000 yuan with an annual premium of 1,200 yuan, which is very cost-effective.

Finally, it is necessary to have an accident insurance, the child's accident insurance is very cheap, and the insurance amount of 200,000 yuan is only sixty or seventy yuan per year, which can protect the child's accidental death, accidental disability and accidental medical liability, which is particularly practical.

Third, is there any insurance that I should not buy for my child?

Don't give your child life insurance, and try not to consider critical illness insurance with both liabilities attached. The specific reasons I know are in this answerHow to buy child insurance without being cheated? You'll know when you see it!

has been introduced in detail, because it is very detailed in the manuscript, so I will not waste time here.

According to the above insurance ideas, if you are configuring regular protection for your child, you can configure it for 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is very practical.

That's all for me"Is it really necessary to buy children's insurance for a 2-year-old? "

Hello! Accidents and illnesses are two of the biggest hazards in children's lives, and in order to increase the level of protection for your two-and-a-half-year-old daughter, it is necessary to have a proper children's health insurance. If you want to buy a better children's health insurance for your daughter, it is recommended to compare and choose the products of multiple insurance companies.

How to buy insurance for a 2 1/2-year-old daughter1. Buy insurance for your 2-and-a-half-year-old daughter, you want to focus on medical children's health insurance, we recommend Ping An's Children's Ping An Card and Volkswagen's Volkswagen "Children's Health Insurance" Plan A, you can compare and choose. 2. To protect liabilities and exclusions, you must carefully read the terms of the insurance product, especially pay attention to the provisions of exclusions. 3. Many children's medical insurance products have a "waiting period" provision, and you should pay attention to the length of the insurance waiting period when applying for insurance.

4. To ensure the renewal clause and apply for renewal, the insurance company must continue to underwrite in accordance with the original clause, and the rate cannot be adjusted according to the personal risk status.

When buying insurance for your two-and-a-half-year-old daughter, you must choose according to your daughter's specific situation. At the same time, you should also pay attention to choosing a reliable insurance purchase platform, which has a large number of children's health insurance products suitable for children.