My son is now 9 months old and I want to buy him insurance, which one is better? 10

Buying insurance depends on the family's income, and generally 10%-15% is better.

Children are generally accident + medical treatment. If the family income is good, then education.

You can go to my blog if you have time:

Education is obviously too early, to be honest, what you need to buy for your baby at present is critical illness, if the conditions are good, then buy something else, I am Ping An Life, I am willing to tailor an insurance plan for your baby!

I think children should buy a return education** type insurance plus some medical care, and everything else is superfluous.

Critical illness + medical + accident, you can also add financial management.

The principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

For each of us, we should consider health insurance. Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Therefore, you must first consider medical insurance, whether it is commercial insurance or social insurance, and then consider other insurance products, so that it makes sense. If you are not healthy, it is impractical to have more pension insurance.

It is recommended that you first purchase the social security launched by the state (preferably if the unit comes forward to purchase it), including cooperative medical insurance, and then consider commercial insurance as a supplement.

Here, I know that in this industry, there are three recognized sentences that say this: "brand in life", "Ping An talents" and "Xinhua products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally a lifelong contract, and you can become lifelong happiness if you buy it well, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) Buy insurance first adults and then children, if adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is adults who pay for children.

Zhonghong Insurance is the only cooperative life insurance partner in the world for the 2008 Olympic Games.

Zhonghong's "Smart Baby" is both insured (dividend-paying).

It has been awarded the most favorite product of Shanghai children for 3 consecutive years.

Features: Education** pay to cultivate the talents of the pillars.

Every parent wants their child to have a good education, and every parent wants their child to enjoy a happy childhood without worry. Adhering to this concept, Zhonghong has been carefully designed to bring you and your child "Smart Baby", which provides education from middle school to university**, so that you can prepare a special fund for your child's education in advance, and jointly care for his growth.

Receiving method: 15 17 years old, 10 insurance amount per year secondary education allowance (a total of three years).

18 21 years old, 40 years of insurance per year for university education (a total of four years).

Start a family** Congratulations on a new level of life.

A 25-year-old young man who needs to start a family or continue his studies, Zhonghong provides 100 sum insured benefits to wish him a smooth sailing life.

Additional Retirement Allowance Thoughtful care from parents.

No matter what age a child is, he or she will always be concerned by his parents. At the age of 55 (female) and 60 (male), he can still feel your love, and Zhonghong will give him a retirement subsidy of 100 sum insured to enjoy a happy old age.

The 100-year-old expiration gift Zhonghong will accompany him for a lifetime.

When the child survives to the age of 100, Zhonghong will also give him a congratulatory gift of 100 sum insured.

Dividends are accompanied by lifelong sharing of business results.

During the validity period of the policy, Zhonghong will determine the dividend amount and distribute it to the policyholder every year according to the operating conditions of the participating business. This benefit is not guaranteed. Surprise comes from the joint efforts of you and me.

High life insurance protection to avoid life risks.

Life is full of risks, and as a parent, you must hope that all your hard work will not be in vain. Zhonghong provides comprehensive life insurance protection, giving corresponding protection at different stages of children's lives, so that the care of parents can accompany children all the way to growth!

Global Guarantee Commitment Efficient and professional services.

Adhering to Manulife Canada's more than 100 years of international experience, Zhonghong provides you with global protection services through stable corporate operation and investment management.

Zhonghong**.

Plan for you according to your family's conditions!

How much money can you afford to put into your child's insurance? According to your needs, I will make a plan that is suitable for your child!

If a child over 9 months old buys insurance, you can immediately consider buying some health insurance, such as critical illness insurance and medical insurance, and if you still have the budget later, you can consider buying an accident insurance.

In-depth article - How to buy insurance for children? Netizens shouted: I only saw it now because of Qi Hunian

Why should we give priority to health insurance for our children, mainly because this type of insurance can well transfer the economic risks caused by illness, accidents and other situations.

For example, if a 9-month-old child has a weak resistance, if he unfortunately suffers from a disease, if he meets the conditions for claims, the critical illness insurance will directly compensate for a high hardship insurance fund, which can be used for illness**.

Another example is medical insurance, whether the 9-month-old child is hospitalized due to illness or other circumstances, most of the expenses incurred can be reimbursed through medical insurance, which can make up for the lack of national medical insurance.

In addition to the above-mentioned protection insurance, if you also plan to save a sum of money for your children to go to school or other specific situations in the future, you can also buy another financial insurance, such as annuity insurance.

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[Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance

That's all there is to it, hope.

When children are 9 years old, they are very curious about everything in the world, and many of them begin to go to school outside to get in touch with the larger world.

At this time, the consideration of insuring the child should be like this:Children's medical insurance + critical illness insurance + medical insurance + accident insurance

1. Children's medical insurance

Children's medical insurance is a national welfare insurance, the purchase of children's medical insurance after the birth of the baby, within one month of the household is better, by the state to provide the most basic medical security, we can enjoy. Children's medical insurance can be covered up to the age of 16, and the premium is also very cheap, so everyone can buy it quickly.

2. Critical illness insurance

Critical illness insurance, the main risk is that the child has a serious illness, but the family's financial situation cannot afford it. If the budget is not large, critical illness insurance can also purchase 500,000 yuan of insurance for four or five hundred yuan a year.

There are countless critical illness insurances on the market, but there are not many that are exactly suitable for children, so I eliminated batch after batch of insurance, and finally these insurances became the most suitable option for babies to insure:Designed for 9-year-olds! Top 10 [Cheap and High-quality] Children's Critical Illness Insurance in 2020".

3. Medical insurance

Many people always think that medical insurance is similar to social medical insurance, and think that social medical insurance is enough. But the truth is that in the face of serious illness, the reimbursement ratio of social medical insurance is very limited, and most of the good drugs and best means are not within the scope of reimbursement. Therefore, medical insurance is regarded as a supplement to children's medical insurance to reimburse expenses that are not covered by medical insurance.

4. Accident insurance

When we have problems such as death, disability and medical expenses due to accidents, the insurance company will compensate us. Unintentional injuries are the leading cause of death among children under the age of 14 in China, according to data from the National Organization for Child Safety. Injuries such as falls, burns, animal bites, sharp injuries, etc., are common causes of accidental injuries in children.

Therefore, when purchasing children's accident insurance, there are some places that you should pay special attention to and give priority to accident insurance with sufficient accidental medical protection. A good accident insurance must be as low as possible with a deductible, and the higher the reimbursement ratio, the better.

Accident insurance is not like other insurance, which will increase the premium with your age, so accident insurance can generally be purchased for a one-year period and once a year. There are too many accident insurance on the market, to avoid you stepping on the pit, I picked out the most suitable one:Designed for 9-year-olds!

Top 10 Best Children's Accident Insurance to Buy in 2020

Since it's not particularly clear about your budget.

Three are recommended for you to choose from.

1.Century Rainbow: When the child is 15 years old, that is, 6 years.

There is an education fund for the university, a wedding pension at the age of 25, and a guarantee until the child is 60 years old, when there is a maturity payment. At the same time, there are dividends every year. Century Rainbow has a very high cash value and is a more customer-oriented type of insurance.

For example, according to your child's age, pay 9,178 yuan a year, pay 6 years, 8,000 yuan a year when you go to college, get 20,000 yuan at the age of 60, and have dividends every year, and the cumulative dividends 109286 up and down, and the dividends are uncertain.

2.Ping An Century Angel: When the child is 19 years old, it is 10 years.

It will be refunded every three years until the end of the year, and it will be returned for life, and 12% of the sum insured will be returned. The longer you live, the more you get, and it's a cash flow as long as your life. According to the age of your child, 6,787 yuan per year, 10 years, and 3,240 yuan will be returned for less than three years.

There are dividends every year, and dividends are uncertain.

3.Century Tianjiao (universal type). 12,000 yuan for 10 years. This investment has a better return and a more comprehensive guarantee.

As the most basic insurance package for children, it is also the most practical insurance package, which should be based on education fund + comprehensive accident hospitalization.

After having a sound insurance foundation, and then considering critical illness and pension insurance, it is like building a building.

The annual premium is about 10-15% of the annual income, which is reasonable!

The most basic (and most practical) insurance package for children, in a nutshell, a one-year-old baby example:

1. If you invest in education for your child, pay a total of 80,000 yuan in 15 years, then you can receive 60,000 yuan to your child's high school and college, 20,000 yuan when you get married, and there are 60,000 yuan in the account at this time, and if you receive a pension at the age of 60, you can receive 3,000 yuan per month, and a total of 700,000 yuan in 20 years! After the age of 80, there are still 170,000 in the account! 550,000 yuan in the account at the age of 100, and an additional 50,000 yuan in the case of 100 years old or death!

8% of the sum insured will be refunded every 3 years for life!

2. Attach a comprehensive accident hospitalization medical insurance! Reimbursement for all accidental hospitalizations and medical malpractice is included! There is no limit to the number of reimbursements, and the waiting period for hospitalization is only 30 days! The reimbursement rate is 80%!

3. You can attach a critical illness insurance to protect you until the age of 88, pay for 20 years, the sum insured is 50,000, and the cumulative payment is 16,000, you can get 40 kinds of critical illness protection, enjoy the compensation mechanism for four major illnesses, and enjoy the annual dividend and final dividend, and receive a one-time maturity payment of 50,000 yuan when the contract is terminated at the age of 88!

Hello, it is recommended to apply for a children's medical insurance for the child first, which has accident and hospitalization protection, which can be used as a supplement to the medical insurance. In addition, when buying education insurance for children, please carefully check whether the protection of adults is sufficient, because adults are children's insurance, in fact, adult savings critical illness insurance can also save education funds for children. Reference:

Safe and happy baby children's card! Ordinary people's family income distribution chart Ping An Children's Century Tianjiao--"Living, Wealth, and Protecting Safe Families Outsmart Life, Critical Illness, Medical Pension Security."

Hello! It is recommended that you purchase the auspicious Three Treasures Gold Butler of Life Insurance, which is very much in line with your standards

Hello, Ping An's auspicious star is good, you can refer to it.

Buying insurance with education and incidental illness and accident.

Medical insurance and education insurance!

10 years of financial management, so that by the time the kids go to college, they don't have to pay anything.

It is recommended to consider children's medical insurance first, and then choose commercial insurance, such as accident insurance, health insurance, and education insurance. The specific description is as follows:

First, at present, many cities will include newborns in the scope of medical insurance, neonatal medical insurance policy stipulates that newborn babies in the three months of birth to participate in the insurance payment, can enjoy the basic medical insurance treatment from the date of birth, and more than three months of insurance payment, from the next month to enjoy the medical insurance treatment.

Second, the baby is intellectually curious, lively and active, but the ability to identify risks is very poor, so it is easy to bump into accidents, if you buy accident insurance, then you can transfer the risk to the insurance company, so that the insurance company to bear the economic loss. Under normal circumstances, the death sum insured of baby accident insurance shall not exceed 10,000 yuan.

Third, the newborn child is very fragile, which life is prone to disease invasion, so to buy a suitable children's health call to slow down the Zen insurance, you need to pay attention to outpatient medical treatment and critical illness two aspects, as for the amount of insurance, it needs to be determined according to the actual situation of the family, it is recommended to be more than 300,000 yuan.

Fourth, on the road of children's growth, education expenditure accounts for a large proportion of the total family expenditure, and it is necessary to purchase education insurance for newborn children.

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