Which company s insurance is more suitable for your child s insurance

It doesn't matter if the company is it, what type of products do you mainly buy, financial management? Disease? Look at this.

I recommend New China Insurance.

Hello: 1) First improve your baby's children's medical insurance.

2) Secondly, the insured varieties do not need to be "complete". Buying insurance for your child should be done "within your means", preferably in the order of accident insurance, medical insurance, critical illness insurance, and education reserve insurance.

3) Third, the insurance period should not be too long. Considering preparing for the education expenses of high school and college for your children, you can choose a children's education fund insurance that returns a certain amount of survival money every year at the agreed time, and the protection period should not be too long, generally until the age of 25-30.

4) Finally, focus on the "exemption clause". "It is best to choose a children's insurance product with an exemption clause, because the exemption clause in children's insurance stipulates that during the contract period, if the policyholder has an accident or is incapacitated for any reason, the unpaid premium can be waived, and the insurance protection for the insured is still valid. ”

Specific insurance planning, individual communication.

To buy life insurance, it is recommended to buy Taikang Life Insurance or Chinese Life, compare products, and see which one is better.

To choose a central enterprise, strong strength, fast claim settlement, high dividends, Taiping Life Insurance was founded in 1929, today is the 85th anniversary, is a vice-ministerial-level central enterprise, headquartered in Hong Kong, business radiation world, is the first overseas listed Chinese life insurance company. The investment projects include the South-to-North Water Diversion Project Debt Investment Plan, UnionPay Card, Suzhou Industrial Park Positive Integration Bond Investment Plan, High-end Pension Community, Sichuan, Fujian and other highway bond investment plans, Shentong Metro, etc., Taiping Life's health insurance in addition to the types of insurance There is also a terminal disease, that is, no matter what new diseases in the future, as long as the conditions are met, you can make claims, and other companies do not. The dividend method is to increase the amount of dividends in international cash to increase the amount insured.

Let the protection continue to grow with age, protect for life, see a doctor when you are sick, you can provide for the elderly without illness, accident insurance in addition to reporting accidents, hospitalization can also be claimed, baby education insurance, you can receive money immediately after the hesitation period and receive money for life to provide continuous growth of cash flow equal to life, so that the love of parents accompanies children for a lifetime. In the first year, the return of up to 60% of the sum insured and after the hesitation period, the capital turnover can be brought out of the flexible turnover up to 95% of the cash value of the loan, if you are interested, click on my avatar to contact me to design according to your actual needs.

Many insurance companies have insurance suitable for children, such as Chinese Life, Ping An of China, Pacific Insurance Company, etc., these insurance companies have children's insurance is very cost-effective, you can choose to buy according to your own needs。Many parents want to buy an insurance for their children to give their children more protection, so many insurance companies have launched related businesses, I think there is no need to pay too much attention to insurance companies when buying insurance, but should focus on the products of this company.

The insurance companies we can see in the market are all approved by the Insurance Regulatory Commission, and it is not easy to set up an insurance company, and it needs to be assessed at all levels to pass. Therefore, there will not be any big problems with these insurance companies, and everyone can buy them with confidence. The question is, which insurance product should I buy for my child?

I think parents should first buy critical illness insurance and accident insurance for their children, these two insurances themselves belong to the basic insurance, the probability of a child being diagnosed with a major illness is getting higher and higher, although the medical insurance can reimburse a part, but it is impossible to reimburse all of them, and there are some major diseases or methods are not within the scope of reimbursement.

Homework has become a top priority for children to buy a major insurance and accident insurance, which can give children more comprehensive protection. Chinese Life, Ping An of China, or Pacific Insurance Company all have insurance business for children, and you can choose according to your own economic level and needs. If the family's economic level is better, you can also choose the products of AIA insurance companies, the product protection of this insurance company is more comprehensive, but because it is aimed at high-end people, the launch of ** will be higher.

This insurance company can be said to have no other shortcomings except for expensive, after all, there is a reason why it is expensive, such as the critical illness insurance launched by AIA, after the diagnosis of a critical illness, there will generally be two or three claims, which is more comprehensive than other insurance companies.

If you want to buy insurance for your children, it is recommended that you take out critical illness insurance first. For example, the "Qingyunwei No. 2 Children's Critical Illness Insurance" under China Merchants Renhe Life Insurance is very good. The information about this product, the senior sister has been sorted out in this article, and interested friends can pick it up:

How about China Merchants and Qingyunwei No. 2 Children's Critical Illness Insurance? You'll know after reading it!

1. The payment period is flexible.

As can be seen from the figure above, the payment period of Qingyunwei No. 2 Children's Critical Illness Insurance product is relatively flexible, not only supporting single payment, but also setting a variety of different annual payment periods.

Considering that parents have to bear the expenses of the family's daily life and buy insurance for their children, in order to avoid financial pressure, it is more appropriate for the senior sister to choose a longer payment period.

All else being equal, the longer the payment period, the less premium will be required each year, and the pressure will be reduced.

2. The proportion of compensation for moderate illness is high.

In terms of protection content, the compensation ratio of the moderate illness protection of Qingyunwei No. 2 Children's Critical Illness Insurance is relatively high, which is 60% of the basic sum insured.

It is important to know that most critical illnesses slowly evolve from mild to moderate illnesses at the beginning, and do not directly form critical illnesses. Therefore, if the compensation ratio set by the mild to moderate illness benefit is high enough, the insured person will be able to get more insurance money, which is more conducive to progress**.

At present, in the market, the mainstream compensation ratio of critical illness insurance is generally 50% of the basic sum assured, while the proportion of moderate illness compensation set by Qingyunwei No. 2 Children's Critical Illness Insurance is 10% higher than the mainstream level.

In this way, when the child suffers from a moderate illness covered by the contract and meets the conditions for compensation, he will be able to have more funds for **.

That's all there is to it, if you're not satisfied with this product, you can compare it to other products. In order to help everyone buy insurance suitable for children, the senior sister has also prepared an insurance strategy, which is recommended to collect: In-depth good article - how to buy insurance for children?

Netizens shouted: Why did you only see it now.

Because the child is young, the resistance is not strong, and the nature is active, and I don't know what the danger is, so many parents will buy an insurance for their children to avoid some risks in the future, so which company is better for child insurance? Let's take a look. When choosing an insurance company, you should choose it according to the company's strength, scale, and operational capabilities.

Since the vast majority of life insurance policies are long-term, our interests are closely related to the quality of the insurance company's services, and it is important for us to feel that the company's service level is first-class. Ping An of China Ping An Insurance (Group) Co., Ltd. was born in Shekou, Shenzhen in 1988, is China's first joint-stock insurance company, and has developed into an integrated, close and diversified comprehensive financial service group integrating financial insurance, banking, investment and other financial services. In June 2017, Ping An ranked 61st in the 2017 Brandz Top 100 Most Valuable Global Brands list.

2. Chinese Life Chinese Life Insurance (Group) Company is a state-owned super-large financial and insurance enterprise, with a business scope covering life insurance, property insurance, endowment insurance (enterprise annuity), asset management, alternative investment, overseas business, e-commerce and other fields, and has participated in a number of banks, ** companies and other financial and non-financial institutions through capital operation. It has been selected into the Fortune Global 500 for 13 consecutive years, ranking 54th; It has been selected as one of the top 500 world brands for 7 consecutive years, ranking 237th, and ranked 15th among the top 500 Chinese brands of the China Brand Value Research Institute. 3. Pacific Life Pacific Insurance is a national joint-stock commercial insurance company approved by the People's Bank of China.

It is also the third largest life insurance company, after Chinese Life and Ping An. It itself operates diversified insurance services, including life insurance, property insurance, etc. And Pacific Insurance is in"2016 China's Top 500 Enterprises"Ranked 52nd in the .

Judging from the above content, these three insurance companies are quite good in terms of strength and scale, if you want to ask which company is good for children's insurance? The main thing is to choose according to your own needs, and the right one is the best.

Hello! In fact, the choice of insurance company for your baby is not the most important. Perhaps many parents will first feel that it will be more reassuring to buy the products of large companies, and the products of large companies must be better than those of small companies.

There is a bias in this idea.

If you don't know how to buy insurance for your baby, or want to customize an insurance plan for your child, you can click to make an appointment for [1-to-1 Insurance Planning Service].

Deep Blue Insurance Dedicated Insurance Brokers will provide you with professional advice.

Big companies and small companies are just what we think, in fact, what you call small companies are not "small". According to the provisions of the Insurance Law, the requirements for the establishment of an insurance company are very strict, and the major shareholders of the insurance company must have sustained profitability, good reputation, no major violations of laws and regulations in the past three years, and net assets of not less than RMB 200 million.

That is, it is not easy to set up an insurance company, not only to have money, but also to make money. So generally speaking, the shareholders behind insurance companies are large enterprises with strong funds and good development.

The big companies we usually talk about are nothing more than companies with many branches and strong publicity such as Chinese Life and Ping An of China. Some newly established, or insurance companies with few offline branches and few advertisements are considered "small companies", which is one-sided.

And in China, all insurance companies must operate under the strict supervision of the China Banking and Insurance Regulatory Commission, and the strength of each company is very strong.

Therefore, whether it is a large company or a small company, it is a reliable company. Buying insurance can not only pursue the company's brand, the most important thing is to see whether the product itself can meet our needs.

In addition to children's medical insurance, the insurance that babies need most is accident insurance, medical insurance and critical illness insurance.

Children should buy insurance from Chinese Life Insurance Company, because Chinese Life Insurance is the largest insurance company in China.

You should buy insurance from Ping An Insurance Company, which still has a lot of insurance for children, and these insurances are relatively good.

Children should buy insurance from Ping An Insurance Company, which has more types of insurance and is more reliable.

In fact, the most important thing to buy insurance for children is not which insurance company is better, but to choose a product that meets the child's own protection needs. When you buy an insurance product, the most important thing is to see whether the coverage content and compensation ratio meet your own protection needs, and how the insurance company is not the main reason why we choose an excellent insurance product.

Is it better to buy insurance for a large company or a small company?

So in the next time, the senior sister will introduce to you how to buy insurance for children? Don't talk nonsense, go straight to the dry goods!

1.Children's Critical Illness Insurance

In the process of children's growth, due to their physical development, they are more susceptible to diseases, and purchasing children's critical illness insurance can help families resist the financial risks caused by their children's diseases as agreed in the contract.

Secondly, the Children's Critical Illness Insurance Hail is designed for underage children, and many products contain high-incidence diseases in children, such as leukemia.

For children, the protection of children's critical illness insurance is more targeted and suitable for underage children.

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

2.Million Medical Insurance

It is believed that many parents will take out children's medical insurance for their children soon after they are born.

But the senior sister wants to say that although the coverage of children's medical insurance is wider and can provide the most basic protection, this is only the most basic protection for children. Once a child suffers from a serious illness, many first-class methods or targeted drugs will not be reimbursed by children's medical insurance.

The biggest role of million medical insurance is that it can reimburse what children's medical insurance cannot reimburse, such as targeted drugs, out-of-hospital special drugs, overseas medical treatment, etc., and many value-added services (such as advance payment services, green channels, etc.) are not available in children's medical insurance, which can provide children with more comprehensive protection and medical experience.

The latest top 10 million medical insurance rankings are newly released!

3.Accident insurance

Because children's self-protection awareness and self-protection ability are relatively poor, the probability of accidents will be relatively higher, and once an accident occurs, there will be certain economic losses.

When buying accident insurance for your child, you can focus on accidental medical liability, and try to choose products with low deductibles, high reimbursement ratios, and unlimited social insurance coverage, so as to better transfer the economic risks caused by accidents for children. Hope.