Buy insurance for my daughter, my daughter buys insurance for my mother, can my son still buy it

For children, the most important thing to buy insurance is to buy protection, and you should buy protection insurance first, and then buy other types of insurance. We can't make a general evaluation of whether an insurance product is good or not, because each product has its own value and significance, but it is not suitable for everyone, and it is good to buy insurance that is suitable for the insured. You can combine the actual situation of your child and family with a comprehensive analysis of the specific type of insurance.

Children's insurance mainly focuses on hospitalization and accident medical treatment. And then education insurance. In fact, you and your lover are the best insurance for your children. You and your loved one should each buy an insurance policy to prevent serious illnesses and accidents...

There is no good or bad insurance product, only all incomplete, suitable and inappropriate, it is recommended to buy a protective life insurance product for your child. Please feel free to contact us.

Hello! I am happy to serve you, and it is recommended that you should buy health protection insurance for your baby first, and then buy some financial products.

The first choice for health insurance for your child!

With a good body, the child will grow up healthily.

**Target? Conditional recommendations to add new insurance types Xinfu every year, financial products, convenient and detailed discussion.

It's good to have a sense of insurance, and your daughter will be very happy

It's best to be insurance conscious!

Very good, baby Fulu is good.

Hello, you love your daughter very much.

Buy Ping An Smart Star! Really good?

Xueba said insurance, teach you to buy insurance for your children and not be pitted! This year, the comparison table of 136 hot-selling children's critical illness insurance has been updated

It's now free, click to claim it now.

What insurance should I buy for my child?

First, you must apply for the country's medical insurance!

Newborn medical insurance (urban and rural residents' medical insurance) is the national basic insurance, the child should be born immediately handled, whether serious or minor illness, the basic medical insurance is particularly important, this is the basic security benefits given by the state, must be handled well.

Second, in addition to the basic insurance of national medical insurance, commercial insurance should also be considered, and critical illness insurance + medical insurance + accident insurance should be given priority.

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, in addition to being used to treat diseases, it can also solve many hidden problems caused by illness, such as falling behind because of illness, or some irreparable losses in subsequent life, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance can solve these problems.

In addition, medical insurance can be used to reimburse the medical expenses of children's usual medical treatment, for example, a 0 deductible hospitalization medical insurance, the sum insured of 10,000 yuan is only 1,200 yuan per year, which is cheap and useful.

Finally, to configure an accident insurance, the child's accident insurance is very cheap, 200,000 yuan per year, only sixty or seventy yuan, can be the child's accidental death, disability and medical expenses caused by the accident all comprehensive, cheap, and useful.

Third, what insurance should not be bought for children?

Don't choose life insurance for your child, and try not to attach both liabilities to critical illness insurance. I know the specific reasons in this articleHow to buy insurance for your child without being cheated? This guide tells you!

There has been a detailed introduction in , so I won't go into too much detail here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, a thousand yuan a year can be fully configured, if you buy lifelong protection, it is only two or three thousand per year, cheap and useful.

That's all for me"Buy insurance for your daughter"All of them, I hope it helps you! Hope!

The daughter bought insurance for her mother, and the son could buy it too.

According to the provisions of Article 52 and Articles 54 and 55 of the Insurance Law, the following persons may be the insureds of the life insurance contract:

1) The policyholder himself/herself;

2) The children of the policyholder (the parents apply for life insurance for their adult children with death as the condition for the payment of insurance benefits, and the written consent of the insured and the approval of the insurance amount; Parents cannot take out life insurance for their adult children who are incapacitated for civil conduct, with death as a condition for the payment of insurance benefits; However, parents are not subject to the above two restrictions when taking out insurance for their minor children).

3) The spouse, parents or other members of the family who have a relationship of support, support or support with the policyholder, and close relatives of the policyholder, Kei Gimori (except for persons with civil capacity). If you apply for life insurance with the death of the dead and the prudent death as the condition for the payment of the insurance money, the written consent of the insured and the approval of the insured amount shall be obtained, otherwise, the contract will be invalid).

4) In addition to the provisions of the preceding paragraph, other persons (except for persons without civil capacity) who agree to the policyholder to conclude a contract for them. If you apply for life insurance with death as the condition for the payment of insurance benefits, you must obtain the written consent of the insured and approve the insured amount, otherwise, the contract will be invalid).

The term "adult" refers to a citizen who has reached the age of 18 or above; The so-called persons with no capacity for civil conduct refer to minors under the age of 10 and mentally ill persons who are unable to recognize their own behavior.

For those who want to buy insurance for their daughters, it is recommended that parents should consider the personal health of their children.

In the case of configuring basic insurance, parents who still have money in hand can also consider configuring an education annuity insurance for their children to protect future education expenses.

The insurance products on the market that take personal health as the protection object mainly include critical illness insurance and million medical insurance, etc., and then we will discuss them in accordance with these two types of insurance

1.Critical illness insurance

Critical illness insurance is mainly for the insured to resist the huge risk caused by critical illness, usually based on the insured person's diagnosis of the agreed critical illness or reach the agreed claim status, in the case of meeting the claim, the insurance company will pay a lump sum insurance payment according to the agreed claim conditions.

However, it is recommended that parents who want to buy critical illness insurance for their daughters should insure their daughters as early as possible, rather than later. Because if you apply for critical illness insurance as early as possible, not only will the premium be relatively low, but it will also be easier to apply for success.

If you want to buy suitable critical illness insurance for your daughter, then the following article is worth a look:Top 10 Popular Critical Illness Insurance Points Worth Buying!

2.Million Medical Insurance

The main function of Million Medical Insurance is to alleviate the financial burden of huge medical expenses for the insured, and generally reimburse the reasonable and necessary medical expenses incurred by the insured person's hospitalization** according to a certain percentage.

Moreover, when choosing a product, it is recommended that parents pay attention to the deductible of the million medical insurance product, whether it is 100% reimbursed by social security, and whether it provides guaranteed renewal protection. Hope!

Due to the weak resistance and self-protection ability of children, medical insurance is the first choice. However, medical insurance is now available as an add-on for all insurance companies and is not sold separately (except for card-based business). 0 2-year-old babies, due to weak resistance and self-protection ability, so the premium is relatively expensive, and as they grow older, they will gradually become cheaper.

Recommendation: If the economic conditions are good (the annual premium can be more than 5000), you can choose Ping An Children's Magnum, Century Angel, and Jixing Sending Treasure as the main insurance; If the conditions are general (about 3000), you can consider Xinli or Xinsheng as the main insurance. Additional inpatient and accidental injury medical treatment.

For specific insurance terms, you can consult the salesman of the local company.

However, insurance generally follows the principle of adults first, then children, because you are the best protection for your baby. If you haven't done it yourself, I suggest you consider giving yourself a copy.

The first point is that children should never buy life insurance, because life insurance is enough for the family's financial support. Secondly, the budget is not enough to buy a fixed term, buy for ten years, and wait for ten years after the baby grows up, you can configure a suitable product for yourself at that time. Finally, don't buy dividends, this kind of insurance is actually incomplete, and dividends are not as good as bank deposits.

【One of the children's insurance selections】New China Life Insurance - Green Shade Term Life Insurance (low premium, the most economical and practical anti-risk protection).

Issue age: Primary insured (one parent): 21 to 55 years old.

Secondary insured (child): 0 to 16 years old.

Example: Mr. Wang, 26 years old; Son: 1 year old;

Sum insured: 100,000 yuan;

Duration of insurance: 25 years;

Payment period: 25 years;

Annual premium: $580.

Policy benefits: 1. Before the son reaches the age of 25, if Mr. Wang dies or becomes totally disabled due to an accident or illness one year later, the maintenance allowance will be paid every year thereafter

10,000 yuan per year (up to 120,000) for 11 years old

20,000 yuan per year for 17 years old (up to 120,000 yuan).

30,000 yuan per year for 23 years old (up to 180,000 yuan).

100,000 yuan per year, and the contract is terminated (up to 520,000 yuan).

2. After the son reaches the age of 25 and before the expiration of the contract, if Mr. Wang unfortunately dies or becomes totally disabled, the insurance will be paid 100,000 yuan, and the contract will be terminated;

3. Upon the death or total disability of Mr. Wong, the remaining premium will be waived.

4. If Mr. Wang unfortunately dies or becomes totally disabled due to illness within one year of insurance, he will pay 816 yuan to his son, and the contract will be terminated;

5. If the son unfortunately dies before Mr. Wang, the premium will be refunded and the contract will be terminated.

Children's Insurance Selection No. 3] Ping An Children's Happy Growth Insurance Card (100,000 yuan hospitalization protection).

Insurance Cost: 0-2 years old:

350 yuan; 3-18 years old: 150 yuan.

Number of insured copies: Limited to 1 per person.

1. Death due to accident and disease

30,000 yuan.

2. Accidental medical treatment

5000 yuan.

3. Inpatient medical treatment (accident and illness):

100,000 yuan. 4. Critical illness: 10,000 yuan.