I want to buy an insurance for my son, my son is 1 year old, which one is better? Which one suits hi

Chinese Life Insurance Company Yes, the reputation is very good.

I suggest that you buy China Life Hongxin 2 full insurance (dividend), which is good. The payment time is short, until your son is 80 years old. You can also pay dividends every year, and you can also pay back money every 3 years.

Now your son is small,== When he grows up, he gets married,You can take out the dividend money and the money for 3 years at one time.,(Quite a lot)。。 Hey, it's going to be rowed anyway. I'm not a professional, it's not good, you can go to your place for advice, my friends and I don't have our own children to buy this insurance, it's really good.

If you return every three years, you don't have to pay until the child is 15 years old, and you will receive money every three years until you are alive!

I didn't have insurance. In my impression, Chinese Life and Haier New York Life have insurance in this regard!

It's still pretty good, you can consult the local branch!

PS: I'm not an insurance person!

SUS + Elite Children + Lucky Card B, if you can, you can also add a Millennium Wealth Management, which are all products of China Life, which is not bad.

Because children develop quickly and are not as strong as adults, they are easily threatened by diseases. Moreover, children are curious, and if they are not careful, accidents such as bumps and bumps may occur.

What insurance do children need?

Children's health insurance. Children's medical insurance** is cheap and has a low insurance threshold, and parents do not ask about health conditions, so parents recommend that parents buy them for their children.

Medical insurance. In view of the high risk of children's diseases, you can consider configuring commercial medical insurance for children, because although children's medical insurance can also be reimbursed, the reimbursement ratio and amount are limited.

Once the injury is relatively large, the reimbursement of children's medical insurance is not enough.

It is best for qualified parents to configure a commercial medical insurance for their children as a supplement to children's medical insurance and protect their children at night.

Children's Critical Illness Insurance.

Although the probability of such risks is relatively low, once they occur, the damage to the family is enormous.

Therefore, such significant risks must be specifically protected to ensure that the risk can be fully passed on to the insurance company.

If the child has commercial medical insurance, the medical insurance will reimburse the medical expenses of the critical illness, but the follow-up care, nutrition and other expenses are also more burdensome for the family.

The amount of insurance for children's critical illness insurance should cover the cost of children's critical illness** and nutrition.

Children's accident insurance.

It is normal for children to love to play and make trouble, and the biggest feature of the risk of accidents is that they cannot be **, so it is necessary to configure an accident insurance for children.

And since the main risk of the child comes from accidental injury, it is best to include accidental medical protection in the accident insurance configured for the child.

I think if the child is at this age, it is enough to buy an accident insurance and a sickness insurance. If both of these are adults, I recommend buying a serious illness million medical treatment.

Hello, the child is now one year old, how can you be good, the child is now one year old, how can I buy another insurance, what insurance should I buy? How many types of insurance are appropriate, then you can buy a personal life Hello, the child is now one year old, how can I buy another insurance, what insurance should I buy? How many types of insurance are appropriate, then you can buy personal life insurance, the child is now one year old, how can you buy another insurance, what insurance should you buy?

If you have a few types of insurance, then you can buy personal life insurance.

Hello, the child is now one year old, which insurance is the right one to buy? How should I buy it? How many shoes are suitable for buying, I think you can go to the insurance company to investigate and consult in detail.

My child is now one year old, where can I buy an insurance? I think in this case, all major insurance companies will launch similar to this kind of well, financial insurance.

The child is only one year old now, and I think it's a bit early to buy insurance now, so I don't need to think about insurance for the time being.

The child is now one year old, and I personally think it is still not suitable to buy insurance for the child. After all, the age of the child is too young. But if you really want to buy insurance, it's best to buy some illness insurance for your child, or education insurance!

Children's medical insurance and school-organized insurance are relatively more cost-effective.

Best"These two words are actually quite difficult to define, and my first reaction is that you have to say what you want to cover, and then you can say which types of insurance can best meet your needs according to your needs. Next, according to your needs, you can determine which of the products that can provide sufficient protection, which one is relatively more cost-effective, and the service such as compensation is better.

Generally, when parents buy insurance, there will be a misunderstanding, thinking that everything is the priority of the child, and the child is protected first. But in fact, for children, parents are the greatest protection, as long as the parents are there, there will be people in front of any problems, so it is a wiser choice to configure your own insurance first.

Back to the child itself, it is nothing more than accident insurance, medical insurance, and critical illness insurance. To put it simply, most of the ones that can be purchased through communities and schools are subsidized by the state, and the cost performance must be higher than that of buying a commercial one. Within the scope of self-purchase, accident insurance will not be too high.

The difference between medical insurance and critical illness insurance** is not an indiscriminate price increase by the insurance company, but must be related to the protection and services you can get.

In addition, there will be some parents who like to buy financial management products such as education funds, and the significance of compulsory savings in such products is far greater than the benefits. In other words, from the perspective of investment returns, it is very average, and the reason why you can see more money is only because the investment time is long enough. It depends on individual needs.

Accident insurance, medical insurance, critical illness insurance, education insurance, etc.

1.Accident insurance: children are lively and active in the process of growing up, bumps and bumps are inevitable, now many families like to have pets, cats scratch the town of the world dog bite are likely to encounter, so a few cents a day of accident insurance can solve the cost of these accidents caused by the expense of reimbursement, 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 in cash, this is basically the family just needs, the child is generally smaller, the physical condition is good, the underwriting barrier 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, education expenses need to be their own expenses, children are more prenated, 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 ** not and travel rent is only the hope of the parents' life is also the motivation for the child's financial and business cultivation and learning, the earlier the preparation, the easier, the more the cost, depending on the family situation.

5.To tell the truth, family insurance planning is best for the whole family as a whole, 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 there is a principle of insurance configuration, under the condition of limited conditions, first protect adults and then children, but accidents, critical illness is just needed for adults and children, is a necessary insurance for life.

The above suggestions are for reference.

Children under the age of one can consider buying Ping An's Century Angel, which returns 12% of the sum insured every three years with a red score every year, and automatically adjusts to triple the sum insured after the age of 18. For example, a 1-year-old child, male, buys an insurance amount of 50,000 yuan, pays 10,000 yuan every year, returns 6,000 to life every three years, and automatically adjusts it to 150,000 yuan after the age of 18, and does not receive it halfway, and receives 10,000 yuan as a college education fund every year when he goes to college, and does not receive it halfway, and has 720,000 yuan in the account as a pension when he is 60 years old. By the age of 70, there are 1 million.

By the age of 80, there were 1.38 million, and a total of 10,000 was invested. Ping An also has a kind of children's omnipotence, annual payment of 10,000, more payment for 20 years, a total of 240,000, high school receives 10,000 yuan per year as a high school education fund, to receive 20,000 yuan a year to university, to receive 100,000 yuan as a wedding pension at the age of 28, to receive a total of 210,000 yuan at the age of 28, to the age of 60 you still have 1.95 million in your account as a pension, if you do not need to use money, do not receive 3.31 million until the age of 70, and 5.59 million to the age of 80, because children are omnipotent, access is free, to the 6th year, Reward 2 points into your personal account for 15 consecutive years, and also reward 2040 points into your account. Do you say such a product number?

Do you want your little one to win at the starting line? Smoke one pack less cigarette a day and buy 2 fewer clothes a month.

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

Hello! Insurance products that are suitable for children are the best. Accidents and illnesses are always the most important risk factors around children, and in addition, the protection of children's education should also be paid more and more attention by parents.

Parents who can afford to buy insurance for their children should do a good job of protecting their children. If you are going to buy suitable children's insurance for your one-and-a-half-year-old son, the children's insurance products that are suitable for your children, mainly accident insurance, health insurance, etc., it is recommended that you carefully compare and choose according to the protection needs of your children.

How to buy the most suitable children's insurance product for my one-and-a-half-year-old son?

1. Buy insurance according to the actual age of the child. For minor children, parents should consider 3 risks: accident insurance, critical illness insurance, and medical insurance.

2. Choose the most suitable insurance product for your child. The most suitable choice is to buy protection products, mainly life insurance, accident insurance, medical insurance, critical illness insurance, etc. After establishing basic protection, some investment-based insurance products can be supplemented as a way to manage your finances as appropriate.

3. Choose the appropriate amount of insurance according to the child's situation. The need for coverage changes depending on the family structure, income, and external economic situation.

4. Choosing the most suitable insurance company for your child can be considered from the service level and solvency of the insurance company.

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

How to buy insurance for your childFirst, the country's medical insurance must be handled.

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 this must be handled for the child.

Second, commercial insurance gives priority to critical illness insurance + medical insurance + accident insurance.

Let's start with critical illness insurance, which provides coverage for as long as possible. Secondly, critical illness insurance is paid directly in cash after getting sick, which can not only solve the best expenses, but also solve many hidden problems caused by illness, such as delaying homework because of illness, which requires a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems in the future.

Let's take a look at 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, the sum insured of 10,000 yuan is only 1,200 yuan per year, which is very cost-effective.

Finally, let's talk about accident insurance, children's accident insurance is very cheap, 200,000 yuan per year, only sixty or seventy yuan, can protect children from disability, death and medical liability caused by accidents, which is very practical.

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

has been introduced in detail, because it is very detailed in the manuscript, so I will not waste time 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"My baby is one year old, I want to buy an insurance for it, what is better?"