Is it true that the child is insured for life or for 30 years?

Xueba talks about insurance, and teaches you to choose the best insurance for your child! This year, the comparison table of 136 best-selling children's critical illness insurance has been updated

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What insurance is good for children

This problem makes many parents have no idea where to start, today let's take a good look at how to buy insurance for their children so as not to be pitted! Pay attention to three key points:

First, medical insurance is essential, especially for children!

After the child is born, as long as the household registration is registered, you can immediately apply for neonatal medical insurance (urban and rural residents' medical insurance), whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so this must be handled for the child.

Second, on the premise of handling medical insurance, you can start to consider commercial insurance, and critical illness insurance + medical insurance + accident insurance needs to be given priority.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to being used to treat the disease, it can also solve many subsequent hidden problems, such as taking care of sick children, the economic losses brought to the family, 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.

Let's talk about medical insurance, which 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, it is necessary to configure an accident insurance, the child's accident insurance is particularly cheap, and the insurance amount of 200,000 yuan is only sixty or seventy yuan per year, which can protect the child's disability, death and medical liability caused by accidents, which is cost-effective and practical.

Third, is there any insurance that I should not buy for my child?

Don't choose life insurance for your child, and try not to consider critical illness insurance with both liabilities attached. I know the specific reasons in this articleHow do I buy insurance for my child?

There is a detailed introduction in it, and because it is written in detail, I will not introduce it here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, about 1,000 yuan per year can be configured comprehensively, if you buy lifelong protection, it is only two or three thousand per year, which is very cost-effective.

That's all for me"Is it true that the child is insured for life or for 30 years?"All of them, I hope it helps you! Hope!

Hello, it is recommended to choose a lifelong one. If to 30

If you buy insurance when you are old, the premium will be much higher.

Of course, it is for life, and the prevalence of the elderly over 60 years old is as high.

1. Look first**:

Consumer-based fixed-term critical illness is cheap, 1-year-old boy, 500,000 critical illness insurance amount, insured to twenty or thirty years old, and then accident, medical treatment.

It is only five or six hundred yuan for the complete treatment.

Life-long critical illness is expensive, 1-year-old boy, 500,000 sum insured, life-long insurance, plus accident and medical insurance, three or four thousand years with death liability for life insurance, and more than 2,000 years without death liability (the premiums of several major insurance companies of Ping An China Life have increased by more than 30% on this basis).

2. Let's look at their respective advantages:

1) Buy consumer-based regular critical illness, cheap is the biggest advantage, and the money saved should also be used to buy protection insurance for the elderly at home with great health risks, and the pillars of the family who dare not have serious illnesses. After all, if you don't buy it for your children, the rest of the family doesn't care. If the budget is really insufficient, you can only buy consumption-based fixed-term ones.

2) The reason why many people are worried about buying consumer products that have been insured for twenty or thirty years will not be able to buy a critical illness in the future once the child has a serious illness. This concern is correct, but it is also very expensive. To dispel this concern, it is necessary to spend a lot of money on a high sum insured.

Once you can no longer buy critical illness insurance, you have to rely on the high sum insured to manage the cost of critical illness in the next life. There is only a high amount of insurance, which can resist high inflation, and the base is large, and there is a little more left after the depreciation.

3. Don't buy critical illness insurance that only lasts for one year, it can only be used as a combination of regular and whole life critical illness insurance to make a high sum insured.

The above has clarified the pros and cons of term critical illness insurance and lifetime critical illness insurance, depending on your own preferences.

Should I buy critical illness insurance for my child for life?

Medical reimbursement can basically be added to the main insurance, and there is no need to be particularly entangled.

Insurance every 1 2 years will basically have a new version of the insurance out, and a new disease right to overcome the time is 3 years, one thing to know, critical illness insurance is in accordance with the contract in the disease (rules) for claims, if ten or twenty years later there is a new disease like the previous h7n9 this disease, what to do, the insurance company will pay, is it not compensated. That is to say, if you buy lifetime insurance now, when your child is older, you still need to add additional insurance.

So I personally feel that you can buy short-term insurance to 25-30 years old, as for the additional or look at how to protect the type of insurance and its scope in the future, you must not listen to the introduction of the business staff, the insurance salesman plays too much text rubbing the ball, you must ask clearly, find a responsible salesman.

The cost of insurance, the cheapest age for critical illness insurance is 18-20 years old, and it doesn't increase much every year.

There is no need to buy lifelong critical illness insurance for children, it is recommended to buy critical illness insurance for children, but it is not recommended to buy for life, and the reason why this is recommended is because lifelong critical illness has its inherent defects, such as the depreciation of the sum insured caused by inflation, and the impact of external insurance, such as the emergence of critical illness insurance with more coverage and higher coverage.

Therefore, it is not recommended to buy lifelong critical illness insurance for children, and it is enough to purchase term critical illness insurance.

Of course, whether it is necessary to buy a lifetime critical illness insurance is actually up to the parents, if the parents think it is necessary to buy a lifetime critical illness insurance for their children, then it is good to buy it, if they think it is not necessary to buy a lifetime critical illness insurance, then the term critical illness insurance is a better choice. Finally, it is worth mentioning that because the sum insured of critical illness insurance can be stacked, parents can also add a new critical illness insurance for their children if they are not satisfied with the whole life critical illness insurance they have purchased now. However, it is necessary to pay great attention to the fact that according to China's insurance law, the risk insurance amount for people under the age of 10 cannot exceed 200,000 yuan, and the risk insurance amount for people who have reached the age of 10 and are under the age of 18 cannot exceed 500,000 yuan.

Extended Materials. Why buy children's critical illness insurance?

1.Disease risk.

When it comes to critical illness, many people will say that the possibility of a child getting a serious illness is very small, is it necessary to buy critical illness insurance? In fact, at present, many diseases are developing towards younger and younger people, and the probability of children getting serious illness is not low. In recent years, the incidence of malignant tumors in children has increased significantly, and it has become the second leading cause of death among children after unintentional injuries.

According to the survey of the International Society of Pediatric Oncology, the incidence of childhood cancer has increased at a rate of about 10 years every year. For example, leukemia, which has the highest incidence, seriously threatens the life and health of children.

2.Critical illness insurance has an income supplemental effect.

With the advancement of medical technology, the ** rate of many critical illnesses has gradually increased, but at the same time, medical expenses have also risen significantly. Many times, failure is not a lack of medical methods and techniques, but a forced abandonment because you can't afford the high medical bills. This is the most helpless and helpless situation.

Moreover, when a child is sick, parents must choose to leave work to take care of the child, which will have a great impact on family income. But if you have a critical illness insurance in hand, then you can greatly alleviate the financial problems and make the process smoother.

3.Children's critical illness insurance has low premiums.

As we all know, insurance rates go up with age, and the sooner you buy insurance, the cheaper the premiums will be. Prepare a suitable critical illness insurance for your child as soon as possible, so that the protection for your child will also be more open, which is also a reassuring pill for parents.

1. It is better to buy children's critical illness insurance for 30 years or for life.

Advantages of 30-year term critical illness insurance:

1. The premium is cheap.

Term critical illness insurance is cheaper and cost-effective than whole life critical illness insurance, making it suitable for ordinary families with average incomes.

2. More flexibility.

Term critical illness insurance has a short cycle, which can effectively avoid the depreciation of policies due to inflation.

3. Respond to disease updates in a timely manner.

With the advancement of science and technology, the current more difficult to ** disease may be an ordinary disease after a few decades, this part of the content is not estimated, and the purchase of regular critical illness insurance can update the disease in time and more effectively protect the health of children.

Whole Life Critical Illness Insurance Advantages:

Although Whole Life Critical Illness Insurance** is more expensive, the insured person can enjoy the terms of the contract for the rest of their lives after successful enrollment. There is no need to worry about the difficulty of renewing the policy, which can bring more comprehensive protection to children.

To sum up, whole life critical illness insurance and 30-year term critical illness insurance have their own advantages, it is recommended that you give priority to the purchase of whole life critical illness insurance if conditions permit, on the contrary, it is also very good to purchase 30-year term critical illness insurance, which should be selected according to the economic situation of the policyholder and the insured's own needs.

2. How to apply for children's critical illness insurance.

At present, there are many ways to insure children with critical illness insurance, if you like big brands, such as Ping An and Pacific insurance companies, you can go to offline outlets to apply for insurance, and there are professional insurance salesmen offline who will explain such products, which can also help you quickly buy the right product. If there is no insurance company in your area, we can apply for insurance on the first website, you can enter the official website of the insurance company or the official app of the insurance company to apply for insurance, and you can also directly participate in the insurance process on the third-party insurance platform, as long as the channel is formal, you can also safely insure.

3. Why buy children's critical illness insurance?

Children's critical illness insurance is a type of health insurance that is paid out, and most of the critical illness insurance is paid in a lump sum according to the type of critical illness insurance agreed in the contract when the insured is diagnosed with the first illness. This can alleviate the embarrassing scene of parents paying medical expenses in advance, and greatly solve the problems of medical expenses, parents' income loss, and baby nutrition and health. Secondly, the younger the age of the critical illness insurance product, the lower the premium, which can reduce the pressure on parents to pay the bill.

Therefore, whether it is from the perspective of demand or **, it is necessary for children to configure a critical illness insurance product.

The so-called ** multitasking, in short, is the use of multiple at the same time:"I'm still young and I'm eager to hit the road.

We all know that because their own immunity is still relatively weak, their ability to resist the risk of disease is insufficient, so they especially need health insurance to strengthen their ability to resist the risk of disease.

The critical illness insurance benefits provided by critical illness insurance are of great use in the later stage of critical illness** recuperation, and this money can also make up for the loss of income during the period when parents take care of their children.

To be precise, children's critical illness insurance can effectively reduce the economic losses caused by children's critical illnesses to the family, and it is necessary to allocate them to children.

However, whether to configure lifelong critical illness insurance or regular critical illness insurance for children needs to be analyzed on a case-by-case basis

1.The child's physical health is not very good.

There are many children whose physical health is not very good, but they can also apply for children's critical illness insurance, so it is best to configure a lifelong critical illness insurance product for children in advance.

Because it is relatively easy to apply for critical illness insurance when the child is young, and the premium is not particularly expensive, if you do not configure lifelong critical illness insurance for your child at this time, it may be a little difficult to configure critical illness insurance when the child grows up.

The reason is that, firstly, the child's health is not very good, and the insurance company may refuse to insure the insurance due to health reasons, and secondly, the older the child, the more expensive the premium of the critical illness insurance, and the greater the pressure on the consumer's premium.

2.The body is relatively healthy.

For children who are relatively healthy, you can first insure them with a regular children's critical illness insurance for excessive use, and the protection period is not too long, just about 20 30.

Because children are growing up, the high-incidence diseases at each age are different, and the applicable critical illness insurance products are also different, so you can first insure your child with a term critical illness insurance, and then choose a lifetime critical illness insurance product with better protection and more suitable for the current age group when the child grows up.

Of course, how to choose the protection period of children's critical illness insurance should also be combined with the needs of consumers themselves, and what Daddy said is only for reference.

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

If you want to buy children's critical illness insurance, if the financial conditions allow, the senior sister recommends that you give priority to applying for children's critical illness insurance with a lifetime protection period.

Some friends may think that we can buy 30-year critical illness insurance for our children first, and when our children grow up, we can buy lifelong critical illness insurance. But in fact, this view is not entirely correct. Because if we have taken out critical illness insurance for our children for 30 years, and then once we have a claim for related diseases, it may be more difficult to purchase critical illness insurance in the future.

Because critical illness insurance is relatively strict on the physical health of the insured, if the insured suffers from a related illness and makes a claim, there may be no way to pass the health notice, so that the insured cannot apply for suitable critical illness insurance.

Therefore, if the economic conditions allow, the senior sister recommends that you give priority to purchasing the lifelong Critical Illness Insurance!

If you have a limited budget, you can also choose to purchase sufficient coverage and regular critical illness insurance first, and then purchase lifelong critical illness insurance later when the financial conditions allow.

Should I choose term or lifetime critical illness insurance?

How do I purchase critical illness insurance? It's a buying guide, and if you miss it, you'll lose it! Hope!