How to Choose the Right Newborn Insurance?

First of all, it is necessary to buy a critical illness, because once the baby or family encounters a major illness, it will face huge expenses, malignant tumors, etc.

Now once it is found that it is a major disease, it is less than ten or two hundred thousand, and more than one million, which is an unbearable economic pressure for ordinary families, and it is difficult to take out the ** fee at one time, and the critical illness insurance is diagnosed and paid, that is, once the doctor is diagnosed with a major disease, at the ** time, you only need to show the doctor's diagnosis letter to get the insurance amount.

It depends on the amount of insurance you chose at the beginning, for example, the insurance amount purchased at that time was 400,000, so it was directly allocated 400,000 yuan when making a claim.

Secondly, because the baby is relatively weak, you need to be cautious in many aspects, and the newborn baby has certain advantages in buying insurance.

It is that the premium of critical illness insurance is low and the amount of insurance is high, and the general insurance amount of the baby is 40-500,000, and it is more common to pay the premium for 20 years, and the cost performance is relatively high.

The second is supplementary medical treatment, which can be attached to a hospitalization insurance, because the baby usually has a cold and fever, and the hospitalization medical treatment compensates for the hospitalization expenses, which can also help the family save a sum of money.

The development of the insurance industry has promoted the enrichment of financial market products, because insurance is actually a kind of financial management products, insurance has its own characteristics of financial management, as long as you will choose to invest in the project, you can bring a lot of benefits to your family, which we should also understand.

Due to China's family planning policy, each family has only one child, so for children's attention, China is also the strongest country in the world, and every family hopes to give their children a good future protection, so buying insurance is a good way to ensure the future development of children.

Generally speaking, to buy insurance for your children, first of all, it is more cost-effective to buy health insurance, because there are many insurance products of various insurance companies, so the contrast is very strong and cost-effective.

Buying insurance for children needs to pay attention to value-added, so we need to pay more attention to the high-profit insurance launched by some insurance companies, this kind of insurance generally has a long life, most of them are more than ten years of insurance projects, but it is very protective for the future of children, and it is also a type worth considering.

There is also a type of insurance that is specifically for children, that is, children's school insurance, this kind of insurance is basically to ensure that children go to school and school needs to point out the funds of a kind of insurance business, which is very targeted, can effectively reduce the risk of children going to school when they encounter trouble, which you can go to the insurance company to consult.

National-level insurance such as social security or NCMS for children is a must for children, which is a relatively basic guarantee, and it is cost-effective at the same time. To give children protection insurance, you can choose different types or different plans according to the age of the child, such as 0-2 years old, medical + serious illness insurance, medical care over 3 years old + serious illness insurance + accident insurance + education fund, etc., different ages are equipped with different protections. This kind of financial insurance products have distinctive characteristics, such as stable income, increased long-term compound interest, and special funds.

Regarding some diseases, such as deafness and blindness in both ears, insurance companies can set their own claim age, so most insurance companies agree to pay after the diagnosis of 3 years old, so children under the age of three should try not to choose these companies, after all, it is a loophole. If the economic conditions allow to buy more than 500,000 insurance amounts, it is recommended to divide the insurance into two companies, because each company's products are not exactly the same, so that they can complement each other (the claim conditions for diseases are different, for example, this one needs to meet all the following conditions, and that one only needs to meet one or several of them, which will cause a situation where it can be compensated but not compensated.)

With children's social security, carefully understand the treatment rules of children's social security, and supplement commercial insurance according to their own situation. In commercial insurance, it is recommended to consider the combination of medical insurance, accident insurance, and critical illness insurance. General commercial insurance requires the baby to be insured for more than 28 days.

Medical insurance and accident insurance in commercial insurance, it is recommended to choose the one that can fully reimburse self-financed drugs, and there are multiple options for this kind of product at present, and how long do you want to insure critical illness insurance? How much? Choose based on your premium budget, location, etc.

After all, the cost of critical illness is huge, which affects the family economy, followed by medical reimbursement and accidental medical insurance, which is paid once a year, the premium is cheap and the reimbursement amount is large, and the emergency department can be accidentally bumped (to confirm the concept of accident, the fish bone of the meal card is an accident, and the cerebral infarction caused by the bump is a disease)! And then there's the accidental disability insurance! The specific type of insurance and how much it depends on the family's income and debts, which cannot give an accurate figure.

In order to transfer the risk of significant economic losses caused by serious illness and ensure that there is enough money**, parents must be fully prepared to buy critical illness insurance after the child is born for a full month, the sooner the better, and the lower the rate. Children's medical insurance has the shortcomings of limited reimbursement amount, reimbursable drugs, and limited diagnosis and treatment methods, and commercial insurance, as a supplement to medical insurance, can solve small medical risks. It is recommended that the baby's parents at the age of 0-6 pay more attention to commercial medical insurance as a supplement to medical insurance. ‍‍

Here's how to buy newborn insurance

1) For families who are not financially well-off, the first thing to consider in neonatal insurance is to buy the insurance. Compared with other insurance, children's medical insurance must be configured at the most basic level.

2) For families with better economies, neonatal insurance can be purchased first, and then other medical insurance can be configured. It is very necessary to equip newborns with various external insurance, critical illness insurance, and medical insurance, mainly because newborns are prone to accidents.

What does Medicare mean.

Social medical insurance is a social insurance system established by the state and society in accordance with certain laws and regulations to provide basic medical needs for workers within the scope of insurance. Social medical insurance consists of three levels: basic medical insurance, large-amount medical assistance, enterprise supplementary medical insurance and individual supplementary medical insurance.

The significance of the role of social medical insurance.

First, it is conducive to improving labor productivity and promoting the development of production. Medical insurance is the inevitable result of social progress and production development. The establishment and improvement of the medical insurance system will further promote social progress and the development of production.

On the one hand, medical insurance relieves workers' worries and makes them work with peace of mind, so as to improve labor productivity and promote the development of production; On the other hand, it also ensures the physical and mental health of workers and the normal reproduction of labor.

Second, it is to adjust the income gap and reflect social fairness. Medical insurance adjusts income differences by levying medical insurance premiums and reimbursing medical insurance service fees, which is an important means of income redistribution.

Third, it is an important guarantee for maintaining social stability. Medical insurance provides economic help to sick workers, helps to eliminate the factors of social instability caused by illness, and is an important social mechanism for adjusting social relations and social contradictions.

The insurance to be bought for newborns first has children's medical insurance.

Children's medical insurance is a national welfare program and an exclusive guarantee for children.

The biggest feature of children's medical insurance is that it can be insured with illness, whether it is a congenital disease or a later disease.

In addition, if the newborn is born within three months of the birth of the child's medical insurance, the expenses within the first three months of birth can be reimbursed.

These two points cannot be done by commercial insurance, so children's medical insurance must be bought!

The application for children's medical insurance is also very simple, and you can go to the local community with your child's ID card or household registration booklet.

However, because the reimbursement ratio of children's medical insurance is not high, and the amount of reimbursement is limited, we need commercial insurance supplementation.

The personal protection of commercial insurance includes four major types of insurance, except for life insurance, which can be purchased for the baby.

Generally, newborns can start to buy insurance after 28 days of birth, and according to the family's economic situation, they can first buy sickness insurance for their children, then education insurance for their children, and then pension insurance.

As for the insurance of newborns, you should choose this urban and rural residents' medical insurance, and you don't need to consider other insurances for the time being.

The necessary insurance for newborns is children's medical insurance, critical illness insurance and accident insurance, and nothing else matters.

Newborn insurance now implements a landing line. It's a good type of insurance. The reimbursement is also very high. Worth recommending.

Children's medical insurance and critical illness insurance should be far away.

The first thing to consider when buying insurance for newborns is medical insurance, and now newborns can buy medical insurance, so after the birth of the child, first handle medical insurance, and then consider buying accident insurance and medical insurance, because the newborn's physique is relatively poor, and it is inevitable that there will be bumps and bumps in the process of growth, you can buy accident insurance and medical insurance for the child, provide good protection for the child in the process of growth, if you have better economic conditions, you can buy education insurance for the child.

Personally, I think it is enough to buy domestic medical insurance for newborn insurance.

You don't have to buy more for the others.

This is more suitable for ordinary people.

How to buy the right newborn insurance? It is advisable to buy accident insurance.