What kind of insurance products should I buy for newborn baby insurance?

First of all, I would like to bring you a list of the best children's critical illness insurance to buy this year"2020 Top 10 [Cost-effective] Critical Illness Insurance Rankings".

The self-regulation ability of the child's body is relatively weak, and the balance in the body is easy to be broken and thus sick, so it can be said that it is very necessary to buy insurance and transfer risks for the child. With so many types of insurance, which ones are the best for children? Below, we will briefly talk about which types of insurance are suitable for children.

1. Children's medical insurance

The first thing you should buy when you configure insurance for your child is children's medical insurance. Medical insurance is a welfare insurance, and his insurance fund raising method consists of three parts: "** funding", "collective support" and "individual payment". You only need to pay a few hundred dollars in premiums every year, so it is recommended that all families insure their children.

However, the protection brought by medical insurance is very limited, there is a minimum payment line, a ceiling line, and many self-financed drugs cannot be reimbursed. Therefore, it is not enough to buy medical insurance, you have to buy commercial insurance to supplement.

2. Critical illness insurance

Critical illness insurance is insurance that provides coverage for the condition of suffering from a critical illness. Unlike medical insurance, critical illness insurance is a benefit-based insurance that pays out as long as you get the illness covered by the insurance contract and meet the corresponding definition of illness. If the child suffers from a serious illness, parents can get an insurance payment from the insurance company for emergency, so that parents can take care of the child with peace of mind and do not have to think about money.

In addition, there are many children's critical illness insurance with stronger targeted protection, which are more practical for children, and many can be supplemented with optional policyholder exemptions.

3. Medical insurance

"Million Medical Insurance" and "Small Medical Insurance" are two more practical types of medical insurance, of which Million Medical Insurance is mainly used to protect serious illnesses with relatively high medical expenses, with a coverage amount of 100 3 million and a deductible of 120,000. The small medical insurance refers to those insurances with relatively small reimbursement amounts, and the reimbursement amount is generally only 120,000 yuan, and at the same time, his deductible is not high, only about 100,200 yuan, and even some small medical insurance deductibles are 0. In terms of coverage, it is very practical for children, covering inpatient medical expenses due to accidental injuries and illnesses, as well as general outpatient medical expenses.

Because the scope of the insurance includes general outpatient medical insurance, even children with fever and cold can be reimbursed.

If you're looking for a small amount of medical insurance, check out this review before you buy"Top 10 Small Medical Insurance Recommended for Children! 》

4. Accident insurance

Children like to play, like to try new things, but the sense of danger is low, in daily life often occur some bumps, according to statistics, the incidence of children's fractures is quite high, so it is more necessary to buy a children's accident insurance, as long as the content of the protection includes such as fall injuries, burns, cat and dog bites and other common accidents in life, if you want to know what children's accident insurance is worth buying, please see this article"The 10 most worthwhile children's accident insurance points! 》Hope!

What kind of insurance should I buy for infants and toddlers? Many mothers buy insurance for their children, and it costs tens of thousands of dollars, and the cheapest plan is more than four or five thousand or a thousand. Take a one-year-old baby boy as an example:

Some units with good benefits will also reimburse part of the medical expenses for employees' children. Therefore, before parents buy commercial insurance for their children, they must first figure out what protection their children already have, and what gaps need to be made up by commercial insurance. In general, priority is given to critical illness and accident coverage.

Children's Green Card.

Applicable population: adolescents and children (30 days to 18 years old) who are vulnerable to accidental risks

Product features: Double payment of accidental hospitalization allowance due to accidents on school days.

Insurance liability: accidental injury (death, disability), accidental medical treatment, accidental hospitalization benefit.

"Ping An Happy Baby" Children's Medical Insurance (Section B).Applicable population: adolescents and children aged 3-18 who are vulnerable to various risks.

Product features: Covering 100,000 yuan of inpatient medical expenses, critical illness and other special protection.

Insurance liability: critical illness, accidental injury, accidental medical treatment, hospitalization.

Newborns are best equipped with the following four types of insurance: children's medical insurance, critical illness insurance, medical insurance, and accident insurance.

The self-regulation ability of the child's body is relatively weak, and the balance in the body is easy to be broken and cause illness, so it is very worthwhile to buy insurance for the child. With so many types of insurance, which ones are the best for children? Below, I will briefly introduce to you three types of insurance suitable for children.

1. Children's medical insurance

The first thing you should buy when you configure insurance for your child is children's medical insurance. Medical insurance is welfare insurance, and in addition to individual contributions, children's medical insurance also has capital support and funding. The annual premium is only about one or two hundred yuan, so the first insurance that should be configured for children is medical insurance.

However, his disadvantage is that the protection is low, there is a minimum payment line, a ceiling line, and many self-financed drugs cannot be reimbursed. Therefore, it is not enough to buy medical insurance, and it is necessary to buy commercial insurance to supplement it.

2. Critical illness insurance

Critical illness insurance is mainly used to deal with 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 unfortunately has a serious illness, the insurance company will pay a lump sum insurance compensation to the parents, and the parents can also take care of the sick child with peace of mind, and they can not worry about money for the time being.

There are many children's critical illness insurance plans on the market that are designed for common critical illnesses in children, and the coverage content is more suitable for children, and many can also be waived by the policyholder.

I will send you a freshly baked children's critical illness insurance comparison evaluation form, and the best children's critical illness insurance is in it"2020 Top 10 [Cost-effective] Critical Illness Insurance Rankings".

3. Medical insurance

Among the medical insurances, which are more suitable for the general public, are:"Million Medical Insurance"with"Micro-medical insurance"Among them, the million medical insurance is used to cover serious illnesses, because its insured amount is more than one million yuan, and its deductible is also higher than that of low-end insurance, usually 120,000. The reimbursement amount of small medical insurance is relatively low, and the sales amount of small medical insurance is generally only 120,000 yuan, but the deductible of small medical insurance is not high, which is 100 yuan to 200 yuan, and there are even many small medical insurance without deductibles. In terms of coverage, it is very practical for children, covering medical expenses caused by illness and accidental injury, as well as general outpatient medical expenses.

There is general outpatient medical insurance, and even children with colds and fevers can be reimbursed.

4. Accident insurance

Children are full of curiosity about things around the year, more fond of activity, in daily life often occur some bumps, 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 such as fall damage, burns, cat and dog bites and other common accidents in life.

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

It is better for newborns to have children's medical insurance, critical illness insurance, medical insurance, savings insurance, annuity insurance, universal insurance, and protection insurance.

1. Children's medical insurance

Compared with commercial insurance, children's medical insurance is cheaper, and after enrolling, newborns can enjoy medical insurance benefits such as hospitalization and serious illness. This is the basic guarantee given by the state, and the main feature is that it has a wide coverage and low premiums, but there is a certain proportion limit on reimbursement.

One of the more obvious benefits is that the child will not be denied insurance because he is weak or has a congenital disease, in short, the newborn can be insured with illness.

2. Children's critical illness insurance

Leukemia is the most common malignant tumor in children, and according to the World Health Organization, the incidence of malignant tumors in children aged 0-4 years is higher, which is 1-3 times that of other age groups.

In order to avoid the financial losses caused by serious illness, and at the same time ensure that there is enough money for children**, it is necessary to plan for children's critical illness insurance as soon as possible. If the budget is not large, you can give priority to children's regular critical illness insurance, such as 10 or 20 years of coverage, and the premium will not be very high when the child is young, and it will not take up too much family financial expenditure.

If you have enough budget, you can also insure your child with a lifelong critical illness, such as avoiding a situation where you will suffer from a critical illness when you are a child and it will be difficult to re-insure when you grow up.

3. Children's accident insurance

Newborn babies have a higher chance of accidents. Children's accident insurance can help parents and friends reduce the pressure of accidents, at least when the child suffers an accidental injury, there is money to carry out**, so that the child can recover as soon as possible.

Newborn accident insurance is not expensive, most of them are short-term accident insurance, usually 100 yuan a year can get hundreds of thousands or even millions of insurance amounts, high leverage, very cost-effective.

4. Children's medical insurance - protection type

In family life, there are two main types of expenses related to children's health: virtual things, one is a serious illness in children; One is pediatric hospitalization. At present, there is a trend of younger people with major diseases, such as leukemia and other malignant tumors, as well as malignant tumors such as Kawasaki disease, and according to the current status of China's basic medical insurance system, children and adolescents are basically in a state of no medical security.

Therefore, using insurance to cover the child's medical expenses has become an important factor to consider when applying for children's insurance.

The senior sister believes that the most suitable insurance for newborns is critical illness insurance, medical insurance, and accident insurance. Before the official introduction, the senior sister will first present parents with a super practical strategy for insuring their children: in-depth article - how to buy insurance for children?

Netizens shouted: Why did you only see it now.

First of all, every newborn is a curious baby, just born into this world, everything around them will feel very novel, want to explore all new things, accidentally there may be accidental falls and burns. Therefore, it is very necessary to have an accident insurance for the newborn.

Secondly, the immune system of newborns is not fully developed, and it is easy to be attacked by diseases, fever and cold, and hospitalization are relatively common. However, the coverage and reimbursement ratio of medical insurance are limited and cannot provide us with comprehensive protection. At this time, medical insurance can come in handy, and the reasonable medical expenses within the scope of the contract within the insured amount can be reimbursed above the deductible.

If you want to give your child more adequate protection, you can also consider million medical insurance, which not only has a very high coverage amount, but also some excellent products will come with value-added services, which can help children solve the problem of expensive and difficult medical treatment. You can refer to this list of million medical insurance compiled by the senior sister: the latest top ten million medical insurance rankings are newly released!

Finally, critical illness insurance coverage is also very important for newborns. Reasonably allocate a critical illness insurance for the newborn, and unfortunately diagnose the disease agreed in the contract during the insurance period and meet the relevant claim standards, then the insurance company will pay the corresponding claim amount, so that the child's ** fee can not only be solved, but also transfer the income loss caused by the parent's care of the child, so as to ensure the normal life of the family. This list of high-quality children's critical illness insurance compiled by the senior sister, you may wish to refer to it:

Top 10 [cheap and high-quality] children's critical illness insurance in 2023.

Serious illness medical treatment, also known as hospitalization medical insurance in professional termsFriends will ask, what is the difference between this and minor illness medical treatment? The difference is in the amount insured. The insurance amount of critical illness medical insurance usually ranges from 1 million to 4 million, so this kind of insurance is also called million medical care, and it has been sold very well in recent years.

Because of the high leverage of millions of medical treatments, few premiums can leverage more than one million yuan of insurance amount, and the reimbursement scope is also very wide, such as imported drugs, self-financed drugs, and imported equipment. Then a friend asked, is it useful for me to buy medical treatment for minor diseases? The answer is useful.

Because the million medical insurance is high, the deductible is high, generally 10,000 yuan. Therefore, it is necessary to buy minor illness medical treatment and major illness medical treatment together to achieve the effect of no or less cost for hospitalization.

When buying insurance, I also hope that it is best to have some financial management functions, and even give priority to buying an "education insurance" and "wedding money" for my children, thinking that it can reduce the pressure on my children in the future. Although the starting point is good, we should know that we should buy insurance "guarantee first, then manage money". Since financial insurance has almost no health protection function, in the event of a serious illness, these financial management will not pay hundreds of thousands of dollars at once, let alone reimburse any medical expenses, as is the case with a serious illness.

Therefore, for more than 90% of households, the risk of preventing diseases and accidents is clearly more important than the return on investment.

If the basic security of the family is sufficient, and there is still a long-term unneeded "spare money", and you want to maintain and increase the value, you can consider "education money" and "marriage money". To truly love your children, you need to plan your family's finances wisely, rather than buying your children the most expensive insurance. Critical illness insurance, technically known as critical illness insurance, is also the most differentiated type of insurance from insurance companies, so we must keep our eyes open and choose carefully when buying.

Critical illness insurance claims are made by direct payment, which means that the sum insured is paid in a lump sum after the critical illness is diagnosed.

Then I asked my friend, I bought hospitalization medical insurance, which can be reimbursed up to 4 million, why should I buy critical illness insurance? At this time, we will discuss the role of critical illness insurance, because hospitalization medical treatment No matter how many hospitals reimburse, we can't make money, medical expenses are paid first, reimbursed after discharge, and then sick and hospitalized without income, but car loan mortgage, living expenses must be borne and without a certain savings, life will be in trouble. These problems are easy to solve if critical illness insurance pays hundreds of thousands, so critical illness insurance is also one of the insurances we must buy.