How to buy insurance for a 0 year old boy. What insurance to buy for 0 year old babies

With the birth of a child, the pressure on your husband and wife has also increased a lot, and it is urgent to save an education fee for your child. 5,000 yuan a year of insurance premium, you can appropriately help children save some education expenses, in addition, children's safety and medical protection must be sufficient, rather than receive less education expenses, can not ignore the medical security. So as to be truly robust.

The most important thing is that the protection of adults is the greatest protection for children. If possible, I recommend considering the protection of adults first. The elderly usually have higher premiums because of their age, so it is recommended to consider some universal insurance, which not only provides protection, but also has flexible payment.

The cost is not significant. It's all within your own control, and it can be used as a gift to the elderly to supplement the elderly.

There is no need to worry about the child's education insurance for the time being, because the cost of education when I was a child is not too big Relatively, especially the medical expenses of children at the age of 0 are a big burden At this time, you can consider buying sufficient medical insurance for your child After the child is 7 or 8 years old, the body's resistance is gradually stronger, and the family's economic conditions are also sufficient, and then prepare an education insurance for the child This will greatly reduce the burden on the family.

The insurance options for children include accident insurance, medical insurance, critical illness insurance, education insurance, etc., which need to be selected according to their own needs and pay attention to relevant details.

In the process of growing up, children will face many uncertain risks, insurance planning is generally a bright expression of love that parents want to give, and the selection of insurance framework can be referred to as follows.

1.Accident insurance: children grow up lively and active, bumps and bumps are inevitable, now many families like to have pets, cats and dogs are likely to encounter, so a few cents a day of accident insurance can solve the cost of reimbursement caused by these accidents, try to choose an accident insurance that can include accident medical treatment beyond the scope of social security reimbursement.

2.Medical insurance: children are young, weak immunity, if there are health problems need to seek medical expenses, the cost of medical treatment is also the family's expenses that have to be spent, generally including outpatient medical insurance ** slightly more expensive, pure hospitalization is relatively cheap, depending on their needs to choose.

3.Critical illness insurance, also known as health insurance, is mainly to solve the problem that people may suffer from critical illness in their lifetime (high cost, long illness, may cause a major blow to the family economy) insurance, once it meets the requirements will be directly paid to cash, this is basically the family just needs, the child is generally smaller, the physical condition is good, the underwriting obstacle is small, the underwriting probability is high, and the premium is cheaper, depending on the product benefits, company choice, protection period, different protection amounts, or according to their own budget comprehensive evaluation choice.

4.Education insurance, this is the child's growth in the determination of expenditure, in addition to the compulsory education stage of the early stage, education expenses need to be their own expenditure, children eugenics to be better educated, hope that the son will become a dragon and phoenix is the hope of every parent, so for the child as soon as possible to prepare a future education ** is not only the hope of the parents' life but also the motivation for the child's financial intelligence training and learning, the sooner you prepare, the easier, the more the better, depending on the family situation.

5.To tell the truth, family insurance planning is best for the whole family to plan, in a sense, parents are actually the biggest protection for children, only parents are safe and healthy, can continue to create wealth for children, children's lives are guaranteed, so the insurance configuration has a principle, under the condition of limited conditions, first protect adults and then children, but accidents, critical illness is just needed by adults and children, is a necessary insurance for life.

The above suggestions are for reference, love him to protect him thoroughly, and it is also a contract to accompany his lifelong love, and it is a good way to cultivate children's financial intelligence.

For ordinary families, the first insurance that should be bought for the child is health insurance (including critical illness insurance and general hospitalization medical insurance), because it is the most important thing to let the child have the hope and ability to recover his health when he suffers from illness. Then, if you have spare energy, you can consider buying education annuity insurance for your child to accumulate education funds for your child as soon as possible, so as not to affect your child's growth due to lack of tuition fees. Reference:

200 yuan per month, to protect the healthy growth of children, children's lifelong medical + education fund plan.

How do children buy insurance? This problem seems to have a super high appearance rate recently, take this opportunity to write an article about how to buy insurance for children, I wrote an article before, listing the popular children's critical illness insurance, if you have time, you can take a closer look, I believe you can have a general understanding of children's products:Designed for 0-year-olds!

Popular Critical Illness Insurance Comparison Table

Newly born children are not very old and have a relatively small risk of serious illness, so the premiums are very small, and there are many options to choose from. Let me talk about the general idea, mainly including:Critical illness insurance + accident insurance + medical insurance

1.Critical illness insurance

In fact, there are many specific critical illnesses that children are more likely to suffer from, and you can buy one in case you need it. So how much do you have to pay? It's not high, a few hundred a year, and there will be hundreds of thousands of insurance amounts, and the insurance leverage is super high.

So what are the cost-effective critical illness insurance products worth buying? Let's find outDesigned for 0-year-olds! Top 10 Cheap and High-quality Critical Illness Insurance for Kids

2.Accident insurance

Children are naturally lively, and they are easy to scratch when playing around, and purchasing an accident insurance can ensure that after this unfortunate occurrence, there are enough expenses for subsequent **. And the children's accident insurance is really not very expensive, don't want 200 a year, buy it and buy it! So is there a comprehensive and cost-effective product?

Some! Don't let it goDesigned for 0-year-olds! 10 Accident Insurances Worth Buying!

3.Medical insurance

Medical insurance is a cost-effective insurance product, ** very low, but the amount of insurance is surprisingly high, we generally think that it will be purchased together with critical illness insurance, it mainly protects the expenses of hospitalization, drugs and other expenses, is medical insurance expensive? The answer is not expensive, only more than 100 a year, most families can afford it, but the reimbursement amount has reached an astonishing million, it is highly recommended to buy!

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

Priority should be given to critical illness insurance and medical insurance. If you have a limited budget, you can configure regular critical illness insurance for your child, which is a few hundred yuan per year, with hundreds of thousands of insurance amounts. Medical insurance can choose small medical insurance + million medical insurance to cope with daily outpatient and high medical expenses.

In this way, about 2,000 per year can protect the newborn baby from the risk of disease.