Which type of insurance is better for children, and which type of insurance is better for children s

The child's resistance is relatively small, and it is recommended that medical insurance is a must. The second is to save the baby's education fund, my company's Xinli insurance is very good, can be used as a reference!

The sooner you buy insurance, the more cost-effective it is, save education funds for your children as soon as possible, and help you provide protection during financial management, medical insurance!

The meaning of saving for your child's education:

1 The cost of education is increasing year by year.

2 There is no shortage of risks for children.

3 Critical illness at a younger age.

4 The sooner you buy insurance, the more cost-effective it is.

5 There are few denials. Possibility of additional fees.

6 Let the children always remember the kindness of their parents.

7. Compulsory savings to establish good financial management habits.

8. Special funds are used to successfully achieve financial goals.

9. Preparation of college funds, preparation of entrepreneurial funds, preparation of wedding funds, and preparation of pensions.

10. Inheritance of wealth and reasonable tax avoidance Truly realize the separation of corporate property and family finance.

Let your child win at a higher starting line and make your child's life more exciting!

For example: 0-year-old baby, assuming an annual deposit of 7945 yuan for 20 consecutive years, can enjoy benefits:

Plan 1: Receive a fixed survival allowance of 4,900 yuan every two years.

Dividends are paid once a year (70% of the company's profits, the more you receive).

At the age of 80, double the sum insured will be returned 140,000 yuan.

Plan 2: 20 to 23 years old receive 15,000 yuan per year for university education, a total of 60,000 yuan.

At the age of 30, he received a one-time start-up fund of 120,000 yuan.

From the age of 31 to 59, the annual survival allowance is 5,000 yuan, a total of 145,000 yuan.

From 60 to 75 years old, they receive a pension of 12,000 yuan per year, a total of 240,000 yuan.

The 80-year-old birthday pension is 140,000 yuan at a time.

In the event of death due to illness or accident, double the sum insured will be refunded 140,000 yuan.

Protection: Baby card: 360 yuan a year (one dollar a day) from 0 to 2 years old, 180 yuan a year (5 cents a day) from 3 to 17 years old.

It mainly includes: 50,000 yuan for life expectancy, 50,000 yuan for accidental injury, 30,000 yuan for critical illness, 100,000 yuan for hospitalization, and 5,000 yuan for accidental medical treatment.

I am an account manager of Ping An of China, if there is medical insurance, you don't need to buy this part, Xinli insurance for reference.

If the economy is more affluent, you can choose education, marriage, entrepreneurship and pension integrated dividend insurance.

Children's resistance is poor, buy insurance is to avoid risks, children may grow up with diseases, accidents may also occur, so in order to avoid these risks, children should buy protection.

There are also many insurance plans for children on the market, and it is recommended to purchase the following for children:

How to buy the most cost-effective children's insurance? Hear what an insurance advisor has to say for decades"How to buy children's insurance, which is good, comprehensive analysis, comparative evaluation".

1. Accident insurance

This is a relatively popular type of insurance, which is about the insured who suffers accidental injury, disability, or even death during the validity period of the insurance contract, and the insurance company pays for it. Therefore, this is a type of insurance that can be chosen first and foremost for children. In terms of coverage, you can pay attention to whether the insurance mentions accidental medical benefits, or whether it includes hospitalization allowances.

2. Medical insurance or critical illness insurance

Medical insurance is a type of insurance that is recommended for children after accident insurance, medical insurance is also a basic insurance, or you can choose a critical illness insurance, this type of insurance can give children protection against critical illnesses, and the amount of premium to choose is still decided according to the respective family.

3. Education insurance

This type of insurance is more recommended for family conditions to buy, after all, parents are the breadwinner of a family, the premium of education insurance is relatively high, so from the family economic level to choose, for the future of the child is also a reasonable thing, it is recommended to choose annual payment when paying, so that the payment period can be extended, so as to make the protection more cost-effective.

It is better for children to choose medical insurance for children aged 0-6, accident insurance for children aged 7-13, critical illness insurance for ages 13-20, and education insurance for parents according to their family circumstances.

If you don't know where to start when buying insurance, you can consult the Mint Insurance Consulting Platform, choose online or face-to-face consultation, and match any online or offline products, which is not restricted and more neutral.

As parents, we all want our children to grow up healthy and strong, and can avoid the risks that will occur when children grow up, so we generally choose to configure insurance for our children.

Daddy is here to introduce you to what insurance should be configured for your child, and I also recommend you to take a look at this guide to learn how to apply for insurance"The most complete strategy for children's insurance: you don't have to follow the trend to buy insurance next time".

1. What insurance should children buy?

1. Children's medical insurance.

Children's medical insurance is not much to talk about, the state provides benefits for children, there is no insurance threshold, very practical.

2. Children's accident insurance.

As mentioned earlier, children not only face health risks but also accident risks when they grow up, so children's accident insurance is also very necessary.

Accident insurance is relatively simple and covers all types of accidental injuries, including accidental death, accidental dismemberment and accidental medical treatment.

3. Commercial medical insurance.

If there is only one children's medical insurance, then we still need to pay for the medical expenses in addition to social security reimbursement. The small medical insurance in commercial medical insurance can be used as an effective supplement to children's medical insurance, and its importance is self-evident.

4. Children's critical illness insurance.

The difference between critical illness insurance and commercial medical insurance is that critical illness insurance pays the corresponding amount of insurance in a lump sum after the child suffers from the agreed illness within the protection period, while commercial medical insurance reimburses the corresponding medical expenses.

The sum insured of this critical illness insurance can be used to hire a nurse for the child to do ** care, and it can also make up for the loss of income of parents who cannot go to work during the period of taking care of their children.

Second, the dad summary

In general, children's insurance can be insured conditionally, and before it is enough to insure children, it is necessary to give priority to the allocation of adult protection, after all, parents are the greatest protection for children in the process of growth.

Which type of insurance is better for children? When buying insurance for your child, try to insure your child with children's medical insurance, accident insurance, critical illness insurance and medical insurance in the following order.

Which type of insurance is better for children? How to buy the best deal? This most complete guide to children's insurance is given to you "The most complete guide to children's insurance: next time you don't have to follow the trend to buy insurance".

The choice of insurance is often closely related to what risk we want to transfer.

From the perspective of risk transfer, the most important thing that children need to transfer through insurance is the risk of illness and accidents.

Since the child has no income and does not bear the financial responsibility of the family, there is no need to configure life insurance.

Children's medical insurance is a national welfare insurance, which can provide the most basic medical protection for children, regardless of whether they are healthy or not, they can be purchased in line with local policies, and can meet the basic protection.

However, medical insurance can only provide some basic protection, and in case of critical illness or accident risks, commercial insurance can be used as a supplementary protection.

1. How to choose children's accident insurance?

Due to the young age of children, they cannot make judgments about many dangers, and if parents do not take protective measures and take care of them carefully, accidents can easily occur.

Every year, traffic accidents, electric shock accidents, burns, scalds, drowning and other accidents occur one after another.

Therefore, when buying insurance for your child, it is necessary to buy an accident insurance just in case.

Tips for choosing accident insurance:

The death and disability benefit should be sufficient. It should be noted that according to national regulations, the death compensation for children shall not exceed 200,000 yuan before the age of 10; Before the age of 18, it must not exceed 500,000.

It is better to have additional accident medical treatment, and it is best to reimburse unlimited social security drugs. In this way, the child falls and bruises and is injured, and the medical expenses and self-financed medicines caused by small accidents can be reimbursed.

2. How to choose children's critical illness insurance?

Critical illness insurance can cover the financial losses caused by critical illness.

If the child in the family unfortunately suffers from a serious illness, the family has to bear the high daily medical expenses and expenses, as well as the nursing expenses for the patient, nutrition expenses, and even the lost work expenses of the family with income.

Although the probability of a child getting a serious illness is not high. For example, leukemia, which is the most prevalent, has an incidence rate of only 4 per 100,000.

But the scary part is that the cost of a child's critical illness is particularly high.

Taking leukemia as an example, the cost of the intensive care unit ranges from four or five thousand to tens of thousands of yuan per day. After that, the care and growth of the child is also a huge expense.

Tips for Choosing Critical Illness Insurance:

The sum insured must be sufficient. The child's insurance amount should be at least 500,000, not only as a medical reserve, but also to cover the annual family income for 3-5 years.

The high incidence of critical illness in children should not be ignored. When choosing a product, it is also important to see if it contains a high incidence of diseases in children.

When buying critical illness insurance for your child, don't be blinded by gimmicks, and consider other highlights when you have the disease protection in place.

Arnold answered:

Hello! It is recommended to buy these three types of insurance for children, which are:

1. Children's accident insurance.

This is mainly for children less than 18 years old, if the child due to an accident leads to higher medical expenses, or an accident resulting in disability, death, the insurance company will give the corresponding compensation, this type of insurance is characterized by relatively cheap premiums, and the protection is relatively high, but because there is no return function, it is suitable for families with average economic conditions.

2. Children's health and medical insurance.

This type includes: Children's Critical Illness Insurance and Children's Hospitalization Medical Insurance. Critical illness insurance is to pay compensation after the child has a critical illness to reduce the pressure; Children's inpatient medical insurance covers common childhood illnesses.

3. Children's education savings insurance.

This type of insurance has the effect of mandatory savings to ensure that children will have the funds they need for a high-quality education in the future. When purchasing this type of insurance, parents should pay attention to the exemption clause, that is, once the parent has an accident, the child does not need to continue to pay the premium, but still enjoys protection, which is suitable for families with relatively strong financial strength.

However, it should be reminded that when buying insurance for children, it is necessary to choose according to the family's economic situation and actual needs, and do not blindly insure insurance.

For the sake of their children, there are many novice fathers and new mothers who want to buy insurance for their children, and they don't want to buy insurance knowledge in a daze!

Ultra-complete! Everything you need to know about insurance is here

Children's insurance can buy children's medical insurance + critical illness insurance + million medical insurance, in addition, it also needs the protection of accident insurance.

1. Children's medical insurance.

After enrolling, you can enjoy medical insurance benefits such as hospitalization and outpatient special diseases. If the baby is covered by children's medical insurance within three months of birth, the hospitalization expenses from the day the baby is born can be reimbursed! For the specific process, you can consult the local social security**12333!

However, there is an upper limit and a starting line for reimbursement of medical insurance, and the scope is also stipulated, and Class C drugs and examinations are self-paid, so it is also necessary to purchase commercial insurance to supplement the shortfall.

2. Why should I buy critical illness insurance?

The data show that childhood cancer is the sixth leading cause of loss in healthy life expectancy. Among them, leukemia is the main factor.

The cost of leukemia is nearly 300,000, and the cost of 3-5 years after a child's serious illness, recuperation, and nursing fees are also expensive. Many families are difficult to solve on their own, and critical illness insurance can play a big role in this time.

Critical illness insurance can help families make up for the loss of income from work and later recuperation expenses, and critical illness insurance with an insurance amount of 500,000 yuan can maintain the operation of a family for 3-5 years.

And how to choose high-quality critical illness insurance products for children? We're ready to review the rankings!

Top 10 Popular Critical Illness Insurance Points Worth Buying!

3. Why buy million medical insurance?

Critical illness insurance is for serious illnesses, and there is no protection liability for diseases other than those agreed in the contract, while medical insurance has no restrictions on the types of diseases and can reimburse the actual medical expenses incurred. Therefore, the combination of medical insurance and critical illness insurance is more complete, and the cost of ** expenses and aftercare expenses can be covered.

Updated every Monday! 【0 18 years old】Top 10 million medical insurance points worth buying!

4. Why should I buy accident insurance?

The active nature of children makes accidental injuries easier. Accidental injuries such as scratches by cats and dogs, scalds from boiling water, and injuries from walking falls are not uncommon.

The biggest role of accident insurance is to provide security for the insured and transfer the risk of injury and death caused by accidents, so buying an accident insurance for children is another protection for TA.

First, in the process of children's growth, there are two things that parents must face and solve, one is education problems, and the other is health problems. Many parents, or the vast majority of parents, care about the former or ignore the latter. Every parent wants their children to stand on their shoulders to realize their dreams, and in the process of realizing their dreams, education is a must, and education costs are also necessary.

Therefore, many parents will bear the brunt of the issue of education fund insurance, and there is nothing wrong with this hand.

Second, let's take a look at how to solve the problem of education fund education reserves, deposits, regular investment, regular investment, New Year's money, education insurance, etc., are the most important parents' income capacity, so "parents are the biggest insurance for children".

Third, if there is a problem with the child's health condition, such as a major illness, it is difficult for many families to solve it on their own, so at this time, a critical illness or a critical illness in children can play a great role. Many parents may be taboo on the topic of "serious illness", but the terrible fact is that the probability of serious illness in children is still quite high, for example, more than 50% of leukemia patients are adolescents aged 16 and below.

To sum up, three suggestions:

1. Pay attention to the health protection of children, especially critical illness accidental injuries 2. You can pay attention to the protection of parents themselves for illness accidents.

3. If you have enough money, you can consider education fund insurance.