The bear child is already 2 years old and wants to buy insurance for him, please ask which insurance

Hello, it is recommended that you consider the three aspects of accident, health and education expenses, give priority to improving accident insurance and health insurance protection, and then consider improving children's education insurance according to your family's financial ability. You may wish to consider the best affordable protection package: a card-style children's insurance card + an exclusive education fund protection, the former covers basic accidents, medical treatment, critical illnesses and other items, and the latter specifically covers education programs.

Here's a reference link for you.

Hello, 2-year-olds, the first thing that should be considered is accidents, critical illness and medical treatment, followed by education funds.

For how to plan, but also according to your family structure and economic situation of the actual analysis, to help you screen! The so-called good is suitable for yourself, so a product cannot be suitable for everyone.

If you have insurance planning needs, you can find me on the blog.

Pacific's All Red Insurance can receive education funds, 25 can receive marriage leave, this insurance is diary interest, monthly compound interest.

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

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How to buy insurance for your child

This problem has always been a problem that stumps tens of millions of parents, today let's take a good look at what insurance should be bought for children! Follow these three criteria::

First, the country's medical insurance must be handled.

After the child is registered, it is necessary to handle the neonatal medical insurance (urban and rural residents' medical insurance) as soon as possible, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, which is the basic security welfare given by the state, and it must be handled well.

Second, commercial insurance gives priority to critical illness insurance + medical insurance + accident insurance.

Let's start with critical illness insurance, which provides coverage for as long as possible. Secondly, critical illness insurance is paid directly in cash after getting sick, which can not only be used to treat the disease, but also solve a lot of additional expenses caused by illness, such as children who miss their studies due to illness, and even some subsequent life losses, which require a lot of cash to make up. Buying a pure protection critical illness insurance policy can be used to solve these problems.

As for medical insurance, it can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, with an annual premium of one or two hundred yuan, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, there is still an accident insurance, the child's accident insurance is particularly cheap, 200,000 insurance dollars per year is only sixty or seventy yuan, you don't see that the money is not much, but in fact, the protection is quite extensive, accidental death, disability, accidental medical liability are within the scope of protection, cost-effective.

Third, what are the insurance policies that are not recommended for children?

Don't buy life insurance for your children, and try not to attach both-both-to critical illness insurance. I know the specific reasons in this articleHow to buy the most cost-effective child insurance? The most complete insurance strategy!

has been introduced in detail, because it has been clearly stated in the manuscript, I will not say too much here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, you can get it for a thousand yuan a year, if you buy lifelong protection, it is only two or three thousand per year, ** low protection and real.

That's all for me"The bear child is already 2 years old and wants to buy insurance for him, please ask which insurance is suitable for him"All of them, I hope it helps you! Hope!

The "Comparison Table of 136 Popular Critical Illness Insurance in China" has risen roughly

2-year-old children are not very old, and according to the data, the probability of suffering from a critical illness is also very small, so the premium for buying insurance is the least for all ages, and there are many choices. Let me talk about the general idea, which mainly includes critical illness insurance + accident insurance + medical insurance.

1.Critical illness insurance

The chance of children suffering from critical illness is not high compared to other ages, but the probability of children suffering from certain dry stools with critical illnesses is actually quite high, so it is recommended to buy them. In terms of premiums, you can get hundreds of thousands of insurance in the first year with only a few hundred yuan, which is indeed a very cost-effective choice.

So what are the cost-effective critical illness insurance products worth buying? If you are interested, you can take a look:"2021 Top 10 [Cheap and High-quality] Children's Critical Illness Insurance".

2.Accident insurance

Children are naturally lively, and they are easy to scratch when playing around, and purchasing an accident insurance can ensure that after this unfortunate occurrence, there are enough expenses for subsequent **. And children's accident insurance is really not very expensive, 200 yuan a year is not required, it is recommended to configure!

So what accident insurance products are available? Not to be missed:"The 10 most worthwhile children's accident insurance points! 》

3.Medical insurance

Medical insurance is very cost-effective, which means that it is very low, but there is a lot of coverage, and the sum insured is also very high. In many cases, it will be used in conjunction with critical illness insurance, which mainly covers the expenses of hospitalization, medication and other expenses, what about the premium? Is it expensive?

It's not expensive, you can enjoy millions of reimbursement amounts for more than 100 a year, and it is recommended to configure!

[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.