Which insurance card is better for your baby

If you want to buy insurance for your baby, in addition to the basic protection of children's medical insurance, it is better to buy protection insurance such as children's critical illness insurance, medical insurance and accident insurance.

1. Children's critical illness insurance.

Generally, children's critical illness insurance can provide nearly 100 types of critical illness protection, covering children's high-incidence diseases. If you meet the conditions for claims, the insurance company will pay a sum of money directly, which can be used for the baby**, and can also make up for the loss of income caused by the loss of income due to the loss of work due to taking care of the baby. If you want to know what critical illness insurance is suitable for your baby, you can check out this article:

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

2. Medical insurance.

Medical insurance mainly covers the medical expenses of some babies who are sick and hospitalized. The medical insurance suitable for the baby is small medical insurance and million medical insurance, the former has a relatively low claim threshold, and can reimburse the baby's cold and fever and other minor illnesses and pains. The latter can reimburse high medical expenses, which can effectively reduce the financial pressure on parents when they see a serious illness for their babies.

3. Accident insurance.

The baby's sense of self-protection is not strong, and adults may have accidents if they are not careful, such as from burns, electric shocks, suffocation and other accidents. Therefore, it is very necessary to buy an accident insurance for your baby, and try to choose a product that includes accidental medical insurance when choosing, so that you can share the medical expenses that may occur due to accidents.

Finally, the senior sister specially reminded that the principle of "adults first, then children" should be followed when buying insurance, and parents should first achieve more perfect personal protection before buying insurance for their babies. The senior sister also sorted out 3 sets of plans with a complete family insurance, if you are interested, you can take a look at this article: 3 sets of plans, complete with a family's insurance.

There are several points to note when buying insurance.

Whether the insurance plan designed by the first person for you is really suitable for you, whether the terms and benefits (only for participating products) mentioned by the second person meet the principle of good faith and whether you understand the meaning of the terms.

Third, do you tell the truth about some of the things you want to know about the person (such as income, address, medical history, etc.) (this will be a claim.)

Fourth, the most important thing to buy insurance is to protect yourself, and to understand what protections and rights you have.

Xueba said insurance, only recommend the most suitable child insurance! This year, the comparison table of 136 hot-selling children's critical illness insurance has been updated, click to get it now, I believe it can help you choose the right insurance for your child.

What insurance should I buy for my child?This question has stumped many parents, today let's take a good look at what insurance should be bought for children! Follow these three criteria::

First, health insurance is essential, and so are children!

After the child is registered, it is necessary to handle the neonatal medical insurance (urban and rural residents' medical insurance) as soon as possible, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so it is necessary to handle the medical insurance for the child.

Second, after the medical insurance is handled, you can consider configuring commercial insurance for your child, giving priority to critical illness insurance + medical insurance + accident insurance.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection. Secondly, critical illness insurance is paid directly in cash after getting sick, which can not only solve the problem of medical expenses, but also solve many hidden problems in the future, such as taking care of sick children, the economic losses brought to the family, all need a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems in the future.

As for medical insurance, it can be used to reimburse the medical expenses of children's usual medical treatment, for example, with 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, let's look at accident insurance, it is very cheap for children to buy accident insurance, 200,000 yuan of protection per year, only sixty or seventy yuan, you don't see that it costs a lot, but in fact, the protection is quite extensive, accidental death, disability, accidental medical liability are within the scope of protection, cost-effective.

Third, don't buy both types of insurance for your child!

Don't buy life insurance for your children, and try not to think about critical illness insurance with both liabilities attached. The specific reasons I know are in this answerDon't buy either type of insurance for your child! Comprehensive insurance strategy!

has been introduced in detail, because it has been written in detail in the manuscript, so I won't spend too much time introducing it here.

According to the above insurance ideas, if you configure regular protection for your child, you can get it for 1,000 yuan per year, and if you buy lifelong protection, it will only be two or three thousand per year, which is quite cost-effective.

That's all for me"What kind of insurance is better for the baby?"

Accident and hospitalization medical insurance is the first choice for babies, followed by critical illness insurance.

You can buy health and the like.

One of the most important principles of buying insurance for babies is "near first, then far, first urgent and then slow", which means that children should be protected for risks that are prone to occur, and risks that are far away from children should be insured later.

As a reminder, before buying financial insurance, you must first buy basic protection insurance for your child, if your child's basic protection is not good, it is not recommended to buy education funds. For how to buy insurance for children, this article is well written, you can take a look if you need it: The most complete guide to children's insurance:

Next time, you don't have to follow the trend and buy insurance.

First of all, parents should be deeply aware that babies are easy to get sick, fever, cold, pneumonia, and have to go to the hospital several times a year, and there are many restrictions on medical insurance, so children's medical insurance must be bought. At the same time, children are also a group with a high risk of accidents, and it is inevitable to bump and bump in daily life, and children's accident insurance is also essential.

However, although the risk of minor illnesses and small pains is relatively high, compared with children's critical illnesses, they are only relatively small economic losses, and the most important thing to prevent is major diseases. Children's critical illness is costly, harmful to the family economy, and children's critical illness is becoming more and more common, such as children's common critical illness leukemia, the cost can reach hundreds of thousands, and many families are difficult to afford such a large amount of medical expenses. Therefore, critical illness protection should be a priority when purchasing insurance for children.

That is to say,The order of purchase should be: critical illness insurance, medical insurance, accident insurance；After these basic guarantees are perfected, we will rationally plan the future needs of education funds, wedding funds, and other guarantees according to the family's economic conditions.

How to buy children's insurance is the most practical, in fact, there is no unified answer to this question, because each child's situation is different, and the needs are different, but the father still summarized the following points for your mother's father's reference.

1.Children's accident insurance, children's critical illness insurance, and children's medical insurance need to be purchased

These three types of insurance can provide basic personal health and accident protection for children, the coverage content of children's health insurance is mainly for children's high-incidence diseases, and children's accident insurance is also mainly for children's high-incidence accidents.

Because children's resistance is still relatively weak, the probability of suffering from diseases is relatively large, especially some diseases with high incidence in children, which pose a greater threat to children's health, so it is necessary to buy children's health insurance for children.

Secondly, children's own sense of danger is relatively weak, and the probability of encountering accidents is also relatively large, so it is necessary to buy children's accident insurance for children.

2.The amount insured of children's accident insurance should not be too high

In order to protect the legitimate rights and interests of minors and further improve the insurance protection of children, the China Banking and Insurance Regulatory Commission has made new adjustments to the amount of children's insurance

The above two provisions are only for children's accident insurance and life insurance, and there are no special provisions for critical illness insurance.

That is to say, when buying accident insurance for children, pay attention to the amount of insurance not to exceed this range, because even if the amount of insurance is high, the insurance company will only pay so much for the death of the child.

3.Children's critical illness insurance pays attention to children's high-incidence diseases

The China Banking and Insurance Regulatory Commission stipulates that 16 high-incidence diseases for children must be covered by each children's critical illness insurance, as follows:

When choosing accident insurance for your child, you must pay attention to whether the selected product contains the above high-incidence diseases for children.

4.Adults first, children second

Adults are the most powerful umbrella for children, although buying insurance can enhance children's ability to resist risks, but the premise is that the parents' protection is fully equipped.

If parents do not receive relatively complete protection, in the event of misfortune, then the child is not able to bear the burden of the family alone, which needs to be remembered.

The above is a more practical way to buy children's insurance, and you can refer to it when you buy insurance for your children.

Of course, Daddy here is just a summary of a few more universal locations, and there may be other things that need to be paid attention to, so it is up to Bao Ma Bao Dad according to the specific situation.

Because the baby is young, the body resistance is weak, and it is easy to get sick and be easily attacked by the outside world, so it is necessary to buy insurance. It is recommended to give priority to social medical insurance, with comprehensive protection and low cost; If you want to take out commercial insurance, you can apply for children's hospitalization medical insurance, children's accident insurance, children's critical illness insurance, children's education insurance, etc.

If it is to be refined to specific products, such as Ping An Children's Comprehensive Medical Insurance, comprehensive protection for illness, accident medical treatment, and vaccines; Kangtai Children's Critical Illness Insurance covers 42 critical illnesses and 10 minor illnesses.

If you buy an accident insurance and education savings insurance, one is for health, and the other is for future education considerations, and the body and education are very important.

There is no need to buy a big insurance policy for children at such a young age, right? If you really want to buy it, there are two types of insurance that may be practical: 1

It's accident insurance. Children are more playful, it is inevitable that there are some small pains and injuries, this insurance may have a little effect, but I don't know if there is an age limit for this insurance, you can ask the salesman. 2.

Health insurance. When children are young, their resistance is not as good as that of adults, and they are prone to colds or something, and they can also be reimbursed for part of this insurance, the same problem, I don't know if there is an age limit, and then decide if you want to.

Arnold answers: Hello!

This depends on what insurance needs you think, generally speaking, there are the following categories of dust protection for your baby: potato posture.

1. Medical insurance, the baby's body is more fragile and easy to get sick, so you can buy medical insurance for your child, the most basic is the children's medical insurance of social security, and then you can supplement commercial medical insurance such as Anxiang Health Critical Illness Insurance Section C.

2. Save a sum of money for the baby every year or every month, and keep it until the baby grows up to go to school or start a business or get married. These are large expenses, and through the accumulation of ordinary times, it will not cause too much pressure on the living hand, and it is recommended to protect the future education annuity insurance (participating type) plan.

3. As a child's parents, they must have critical illness, life insurance and accident insurance and other products to be responsible for their children. Recommend Comfort Health Critical Illness Insurance Section C.

According to the legal insurance network, you can buy commercial insurance for your baby, because commercial insurance is mainly based on protection, and secondly, if the conditions are sufficient, you can also buy critical illness, accident and medical insurance. Parents are the best protection for children, and it is best to give parents sufficient protection first, because parents are the first insurance for children, and parents are at risk for children, and if parents are also at risk, a family will be ruined. Nowadays, critical illness insurance basically covers both mild and severe illnesses.

If it is for the child to be insured, the exemption is also very important, the minor is not able to be the insured, if the adult unfortunately suffers from illness, the child does not have to pay. But accidents must be considered, it is best to choose the consumer-type, that is, to pay a year of accident insurance, now some companies' accident insurance includes social security drugs, bumps can also get claims. In addition, there are accidents such as high-cost driving.

Children's accidents at this age are mainly for accidental injury medical treatment, if you live in the city, it is best to buy some medical insurance for your child, low-end medical care, mid-end medical care can be selected. In this way, if the child is sick and hospitalized, it can be reimbursed, and it does not conflict with the resident medical treatment.

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

Children's resistance is poor, buy insurance is to avoid risks, children may grow up with diseases, accidents may also occur, so in order to avoid these risks, children should buy protection.

Hello! At present, there are many types of insurance suitable for babies on the market, you can choose according to the actual needs of your child, but general accident insurance, medical insurance, education insurance, etc. are all needed. The specific description is as follows:

1. The baby lacks a sense of self-protection, and no one can afford to bump into the risk, so accident insurance must be increased. According to the regulations of the Insurance Regulatory Commission, the maximum amount of compensation for the death of a child cannot exceed 500,000 yuan, of which the accidental death insurance amount for those under the age of 10 cannot exceed 200,000 yuan, and the amount of accidental death insurance for those under the age of 10 cannot exceed 500,000 yuan.

2. The baby's body resistance is poor and it is most likely to get sick, so it needs a suitable health insurance. In addition, there is a trend of younger and younger people with critical illnesses, so health insurance can be chosen to share the medical expenses of children. Hospitalization medical insurance is divided into expense reimbursement and allowance, which can be purchased separately or in addition to the main insurance.

3. 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 an education insurance for the baby. The choice of premium should be based on the actual situation of the family, and parents need to consider whether their ability to pay is proportional to their actual ability to pay.