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The specific recommendations for insuring your child are as follows:
1.When buying insurance for your child, you should first consider whether the adult is adequately protected, and don't put the cart before the horse.
2.Don't ignore local insurance policies, such as whether there is medical coverage for the elderly and the young.
2.Children's insurance, based on the basis of protection, then talk about education funds.
3.In terms of protection, accidents, critical illnesses, and medical treatment must be considered.
4.There are three types of children's insurance in the market: dividend, universal and investment-linked, and it is recommended to choose the first two.
5. Insurance planning, do what you can, don't deviate from the reality of affordability, then it is not insurance. Best, solve whatever you can? Don't aim for a one-step solution.
6.Remember the additional exemptions!!
6.Buying insurance for your children, don't plan too much for a rainy day, and plan your life, which is very unrealistic. Treat it rationally and do what you can. You can set short-term, medium-term, and long-term financial goals, but if you don't ask for them all, reverse the order, and it will be a mess and a waste of money.
7.First of all, we must clearly understand the above needs and rules, and then select a qualified ** person, which is very important and very important, and then choose an insurance company.
It is recommended to communicate with ** people in detail and verify with multiple parties, after all, face-to-face communication is the most practical and effective way.
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If you buy it, you have to pay it, but it is paid by the policyholder, and how many years you pay depends on what kind of insurance you buy.
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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.
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