Is it necessary to insure young children? Suitable insurance for young children

It's still very necessary. There are two main aspects to consider: the child's sense of self-protection and the body's immunity.

Children are always curious about the unknown world, so they like to explore new things, and they are easily vulnerable if their parents do not take good care of them. Therefore, it should be supplemented with appropriate accident insurance and accident medical treatment. In terms of self-immunity.

Age-related causes the immune system to be less developed, so it is more sensitive to the external environment, so it is more likely to have health problems. Now environmental pollution and food pollution are very serious, and the harm to young children is very great. In the event of a health problem, social security may be able to supplement it for minor medical problems, but a major illness can easily lead to a difficult situation for the family.

In terms of insurance, basic social insurance is handled first, and then commercial insurance is supplemented. In terms of commercial insurance, it is recommended to give priority to supplementing critical illness insurance, and appropriately supplementing accident insurance and medical insurance.

There is an old and a young, and you can basically not go on. If you have to go up, a thousand yuan of 15-200,000 treasures is enough. Others are dispensable, and the most important thing is to keep the adults. Make insurance better and the future of insurers.

Yes, I will give my son insurance, it is very cost-effective, it is more appropriate to give children insurance than adults, generally 20 years to return the principal and add dividends, it is considered to save a college tuition for the child!

To buy insurance for your child, it is recommended that you buy Chinese Life's early childhood safety insurance, the insurance premium is 100 yuan per year, and the protection is relatively comprehensive.

It is necessary, friendly, peaceful, Chinese life.

For the long-term health of the child, you can vote for the childCritical illness insurance。In recent years, many children suffering from leukemia, Kawasaki disease, hand, foot and mouth disease and other news have been frequently exposed, and tragic stories affect the hearts of every parent. While your child is still young, you can take out a critical illness insurance.

When misfortune comes, you can have more sufficient funds to accept better ** and escort your child's life. Moreover, the premium of critical illness insurance is related to the age of the policyholder, and the younger the insurance age, the lower the premium, and the protection is also guaranteed for life, leaving the child with lifelong protection with a smaller premium.

In addition to the critical illness that makes everyone always feel far away from them, children grow up slowly, and they are indispensable to be playful and active, and they are indispensable to bump and bump. Wrestle today, kick your foot tomorrow, and vote for your childAccident medical insurance, reimburse the medical expenses incurred in the event of an accident, and save the money to give the child some good food.

Many people say "don't let your child lose at the starting line", in fact, the starting line of children should not only go to various "interest" classes from an early age to forcibly cultivate children's interests, parents should also have a clear and long-term education plan for their children, and have the strength to give children a platform to chase their dreams after their own interests are cultivated. Planning should be done earlyEducation insuranceTo invest early, take out an education insurance, and throw the pressure of inflation to the insurance company, what parents have to do is to find the insurance company to get money when they need it.

At the end of the day, insurance is a highly customized product, you can click here to click on me, and intelligently calculate the most suitable protection plan

Hello, Ping An Angel of the Century, Ping An of the Century Winner, Xinsheng can learn about it, if you want to protect the type of Ping An baby card.

First go to medical insurance, and then consider commercial critical illness and high-end medical care.

Critical illness insurance is definitely to be bought, and the more the sum insured, the better, at least 300,000.

Secondly, medical insurance should also be bought, that is, the kind of million-dollar medical treatment, which can be used in hospitalization, and it is best to buy the kind that is not restricted to regional use and can be reimbursed anywhere. The deductible is generally about 10,000 yuan, and there are less.

Third, accident insurance and accidental medical treatment can be bought, mainly accidental medical treatment, because children are active, have no sense of safety, are prone to injury, and accidents need to have.

If you don't buy the accident insurance mentioned above, you can configure a baby card for your child, including accidental death, accidental medical treatment, general medical treatment (such as pneumonia hospitalization can be used), hospitalization allowance. The cost is not high, 200 yuan a year, which is very practical.

Is it necessary to buy kindergarten insurance

The kindergarten is an accident insurance specially designed for primary and secondary school students, and it is also necessary if you buy medical insurance.

Xueping insurance is mainly a student-exclusive insurance for kindergartens, primary and secondary school students, mainly to protect accidental injuries, accidental medical treatment, hospitalization medical treatment, etc. during school, and the general Xueping insurance premium is about tens of yuan to 100 yuan. One year is not expensive, compared to commercial insurance, it is very preferential, and medical insurance and student insurance are not conflicting, if there is an accident hospitalization, you can also use medical insurance reimbursement after medical insurance.

However, whether it is necessary to purchase school insurance, is the parents' own decision according to the needs of their children, and the principle of voluntariness is adopted, and kindergartens cannot be mandatory for parents to purchase. This point has been clearly stipulated by the Ministry of Education, so parents can complain if they encounter this kind of forced purchase.

However, it is still recommended that parents buy a school insurance for their children, after all, the premium is not high, but the scope of protection is very wide, including accidental injury, accidental injury medical treatment and hospitalization. In terms of cost performance, it's pretty good, so you can consider buying one.

What is the reimbursement ratio of kindergarten school insurance?

Generally speaking, most insurance companies have similar reimbursement ratios. It can be roughly divided into 6 levels, as follows:

RMB and below, 55% will be reimbursed.

4,000 yuan, reimbursement of 60%.

7,000 yuan, reimbursement 70%.

10,000 yuan, reimbursement 80%.

30,000 yuan, reimbursement 90%.

If the amount is more than RMB, 95% will be reimbursed.

In addition, there are restrictions on the reimbursement of Xueping insurance, not all drugs will be reimbursed, nor will they be reimbursed in full, and some have the highest reimbursement amount, so if the inpatient medical expenses are very high, the medical insurance can not be reported much, which can greatly reduce the financial burden.

Generally speaking, there are accidental hospitalizations and disease hospitalizations, and some special outpatient clinics can also be reimbursed, which is a supplement to medical insurance, and some reimbursement amounts are set to a maximum of 300,000.

Children in kindergarten also need to buy insurance, and it is generally recommended to purchase critical illness insurance, medical insurance and accident insurance. If you are still hesitant to buy insurance for your child, you may wish to take a look at this article:Is it necessary for my child to have insurance?

One article to solve all your doubts!

Perhaps some scumbags Nobunaga thinks that children are still young and the probability of suffering from severe defeat is not large, but at present, the incidence of major diseases in children is increasing year by year, especially leukemia, hand, foot and mouth diseases, etc., which have always been diseases that endanger children's lives and health. Once a child suffers from a serious illness, then the loss is not only a huge amount of medical expenses, but also a series of subsequent expenses, and the economic loss of our parents in order to take care of the child. Many ordinary families cannot afford this loss, so it is very important for children to allocate critical illness insurance.

What critical illness insurance policies are available for children to insure for? This collection can help everyone:

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

Accident insurance, I believe everyone knows better, in the process of children growing up to face a lot of accidents, besides, children are naturally lively, often running around, must be easy to happen, therefore, accident insurance is also very necessary. In addition, children are weak and have relatively average resistance, and are often prone to illness and hospitalization, so we need a medical insurance to reimburse part of the expenses incurred by us due to illness, which can reduce our financial burden as parents.

So, the senior sister has prepared a specific insurance plan for children here, and friends in need can poke:Less than 1000 yuan, get the child's insurance!

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Whether or not to buy insurance for kindergarten can be decided according to the family's financial strength and actual needs. Generally speaking, when the kindergarten opens a large number of mountains, parents will be required to voluntarily insure Xueping insurance, Xueping insurance is an accident insurance, which can protect accidental death or disability, accidental medical treatment, hospitalization, etc., and the premium is cheap, parents can understand it, if you feel that the protection is good, you can consider insurance, after all, children are lively and active, and the probability of accidents will be relatively large, so there is an accident insurance protection in the potato is still good.

Of course, if parents have already equipped their children with other accident insurance, or critical illness insurance, medical insurance, etc., then they can decide according to the specific coverage of the insurance product, and equip their children with more comprehensive protection as much as possible.