To buy insurance for children, please ask which is better, whether to buy life or safety

Insurance is not a good or bad home, the main thing is what problems do you want to solve for your children through insurance? In addition, it is recommended that on the premise of buying insurance for our children, as our parents, is the insurance sufficient?

To buy insurance for children, the main choice is to buy commercial insurance such as student insurance, accident comprehensive insurance, and lifelong or term health insurance. If the child is too young, some insurance products you want to buy for your child may be restricted by some policy regulations, so you can buy a little less health insurance for your child first, and if possible, you can add a hospital allowance insurance or hospital medical insurance.

Xueba says insurance, only recommend insurance that is really useful for children! This year's comparison table of 136 best-selling children's critical illness insurance has been updated

Click to claim now, we believe that we can help you choose the right insurance for your child.

How to buy insurance for your child

First, medical insurance is essential, especially for children!

Newborn medical insurance can be handled immediately after the child is registered, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, this is the basic security welfare given by the state, and it must be handled well.

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

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). In addition, critical illness insurance can pay a large amount of cash directly after getting sick, which can not only be used to treat the disease, but also solve other associated problems, such as falling behind due to illness, or some irreparable losses in subsequent life, which require a lot of cash to make up. Buying a pure protection critical illness insurance can just 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 insurance amount of 10,000 yuan is only 1,200 yuan per year, which is cost-effective and practical.

Finally, it is necessary to have an accident insurance, children's accident insurance is very cheap, 200,000 yuan per year, only sixty or seventy yuan, don't look at the cost is not much, but the protection is a lot. Accidental death, dismemberment and accidental medical liability of children can be covered, which is very practical.

Third, what are the insurance policies that are not recommended for children?

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

There has been a detailed introduction in , so I won't go into too much detail here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, you can get it for about 1,000 yuan per year, if you buy lifelong protection, it is only two or three thousand per year, which is very cost-effective.

That's all for me"To buy insurance for children, please ask which is better, whether to buy life or safety"All of them, I hope it helps you! Hope!

The annual premium is about 10-15% of the annual income, which is reasonable!

The most basic insurance package for children, in a nutshell, a one-year-old baby example:

1. If you invest in education funds for children, pay a total of 100,000 yuan in 15 years, then you can receive more than 10,000 yuan when your child reaches high school and college, you can receive 50,000 yuan when you get married, and there are more than 70,000 yuan in the account at this time, if you receive a pension after the age of 60, you can receive more than 5,000 per month, and a total of 1.2 million in 20 years! After the age of 80, there are still about 200,000 in the account! By the age of 100, there will be 680,000 in the account!

Get your premium back every 3 years!

2. In addition, there is a comprehensive accident hospitalization medical insurance! Reimbursement for all accidental hospitalizations and medical malpractice is included! There is no limit to the number of reimbursements, and the waiting period for hospitalization is only 30 days!

Ping An Life and Chinese Life are both insurance companies with strong comprehensive strength in China, and the overall strength is comparable, both are very good, and many insurance products are worth everyone's consideration.

1. Ping An Life.

Ping An Life, founded in 2002, is one of the subsidiaries of Ping An Insurance Co., Ltd. of China, headquartered in Shenzhen.

As of the end of 2020, Ping An Life had a registered capital of RMB 33.8 billion, 42 branches, more than 3,300 business outlets, more than 1 million life insurers, and a nationwide service network.

I have also made a detailed analysis of Ping An Life's strength, products, etc

How about Ping An Life, what products are there, which ones are good, and what are the issues worthy of in-depth analysis?

According to the information disclosed by the China Banking and Insurance Regulatory Commission, Ping An Life's core solvency adequacy ratio in the third quarter of 2022 is 250%, and the latest comprehensive risk rating is BB, which meets the requirements of the CBIRC.

2. Chinese life.

Chinese Life Insurance is a state-owned super-large financial and insurance enterprise company, which is a leading financial enterprise headquartered in Beijing.

Founded in 1949, Chinese Life Insurance has a comprehensive business scope covering life insurance, property insurance, ** and other fields, with annual income premiums of up to hundreds of billions.

How is Chinese life, what products are there, and is it good?

In terms of solvency, according to the information booklet disclosed by Chinese Life, the company's core solvency adequacy ratio and comprehensive solvency adequacy ratio in the third quarter of 2022 are AAA in the latest comprehensive risk rating, which fully meets the standards of the CBIRC.

Finally, different age groups, different economic incomes, future expectations, etc., will affect the insurance plan, if you want to know what kind of insurance you are suitable for, you can look at the insurance plan I wrote before:

How to buy insurance for different age groups? Everyone should have their own plan

That's all there is to it, hope.

Ping An and Life are both very good, I can't say which one is better, from different aspects, the rankings of the two are different.

Ping An Life, founded in 2002 with a registered capital of RMB 33.8 billion, is one of the subsidiaries of Ping An Insurance and the second largest life insurance company in China in terms of scale premiums.

Chinese Life Insurance Group, formerly known as the former Chinese People's Insurance Company, was born in 1949, and the consolidated total assets of the group company will exceed 6 trillion yuan in 2022. At present, it has been selected as one of the Fortune Global 500 companies for 20 consecutive years, and its ranking has jumped from 290th in 2003 to 40th in 2022.

From the perspective of background and scale of establishment, Chinese life is slightly better. The senior sister also compared their solvency, if you want to know, you can see this article: the solvency ranking list of the most complete insurance companies in 2023!

In fact, no matter which insurance company it is, as long as it is under the supervision of the China Banking and Insurance Regulatory Commission, it is reliable, and there is no need to worry about the problem of not making claims in case of insurance. As long as the conditions for compensation are met, the insurance company will generally settle the claim. If the insurance company refuses to pay the claim unreasonably, we can apply to the insurance company for a complaint, or complain to the China Banking and Insurance Regulatory Commission.

Even if the insurance company fails, the CBIRC will require the policy to be transferred to another company as soon as possible, and the policy will not be greatly affected, and the insurance can still be claimed. Generally speaking, insurance companies will not be so easy to go out of business, and those who are worried about imitation beams can read this article to understand: The insurance company is bankrupt, what should I do with the insurance I bought?

To buy insurance, it is mainly necessary to look at the protection content of the product. For example, when purchasing critical illness insurance, we should pay attention to whether it provides mild to moderate illness corresponding to high-incidence diseases. If you suffer from mild to moderate illness of a high-incidence disease, but do not have relevant coverage and do not meet the claim conditions, then you will not be able to get a claim.

If you are provided with a high incidence of illness to cover mild to moderate illness, you may have the opportunity to receive more benefits. At present, the best critical illness insurance in the market can reach 30% and 60% of the basic sum insured for mild and moderate illnesses respectively, and some will also provide additional compensation for mild and moderate illnesses. Senior sister has sorted out ten excellent critical illness insurance, interested partners can take a look:

Top 10 Popular Critical Illness Insurance Points Worth Buying!

Both Pingli Xian Sui An and Life Insurance have good insurance products, and how to choose depends on your needs and budget.

The key to buying insurance is not to choose an insurance company, but to choose the right product. After all, what to insure and how to pay compensation are stipulated in the terms, and the insurance company only acts according to the contract when making a claim, so you might as well shop around and choose the best insurance.

If you don't know how to buy insurance, it is recommended to collect this insurance strategy Paipei: which insurance is good, how to buy limbs is cost-effective, and teach you to avoid these pitfalls of insurance.

It is recommended to choose Chinese Shou.

Because China is safe.

We are currently in the stage of changing careers for the following reasons:

1. Ping An is currently in the stage of changing careers and is developing towards Internet finance.

2. State-owned enterprise brand, after-sales service, etc. China Ant Zheng Fool Life Insurance is a state-owned enterprise, and its head office, together with its many subsidiaries, makes up the largest commercial insurance in China.

The Group, one of the largest institutional investors in China's capital market and one of the world's top 500 brands, is known as the "mainstay" of China's insurance industry.

3. The yield of Chinese Life is on the rise: The total investment return of Chinese Life in the first half of the year was 199 basis points higher than the same period in 2018. Other comprehensive income is considered for the current period.

The comprehensive investment return after the net change in fair value of available** financial assets was 463 basis points higher than the same period in 2018.

4. New insurance products: Chinese Life Insurance Company has developed the "China Life Welfare (Ultimate Edition)" series, "Corning Life (Supreme Edition)" and wealth heirloom for health.

Participating whole life insurance, "family portrait" series products. Asset Management took the lead in launching a series of products such as "Phoenix" and "Kirin" to alleviate the equity pledge of listed companies.

risk, support private enterprises to solve financing problems.

5. Chinese life claim cases:

At 22:55 on June 17, Changning County, Yibin, Sichuan Province, had a grade**. **After the occurrence, Chinese Life Property Insurance attached great importance to it and immediately activated the emergency response plan for major emergencies, and at 8:32 a.m. on June 18, the customer vehicle of Yibin Gao County was damaged due to a falling object from a height.

Chinese Life Property Insurance completed the company's first payment in this disaster within one hour of receiving the report. As of June 24, Chinese Life Insurance Yibin Zhongzhi received 10 reports from the earthquake area, and there were no ** customers. At present, 9 claims have been completed, with a compensation of more than 20,000 yuan, and Chinese Life Property Insurance will continue to provide customers with fast, convenient and humanized services.

In June, heavy rains fell in many places in southern China, floods broke out, crops were seriously damaged, and the property of enterprises, institutions and the people suffered heavy losses.

Chinese Life Insurance and Ping An Insurance are both well-known large insurance companies in China, if you want to buy insurance for your children, the products of these two insurance companies can be selected, the key is whether the products of these two insurance companies are suitable for your children.

In fact, to buy insurance for children, looking at the insurance company is just a small reference factor, and there are actually these aspects that parents need to pay attention to:In-depth article - How to buy insurance for children? Netizens shouted: Why did you only see it now

Ping An Insurance of China generally refers to Ping An Insurance (Group) shares of China, which is one of the three major comprehensive financiers in China, and also belongs to one of the most complete financial licenses and the most extensive business scope of personal financial life service groups in China, and is the world's largest insurance group in terms of assets. Ping An Health's Ping An e-life insurance long-term medical insurance, etc., are quite suitable for children to buy.

Chinese Life Insurance Group is a state-owned super-large financial and insurance enterprise company, is a leading enterprise in the domestic life insurance industry, with a brand value of RMB 100 million in 2022, Chinese Life Insurance Zibian (Group) and its subsidiaries constitute the largest state-owned financial and insurance group in China, and has always occupied the position of the leader in the life insurance market in China, such as China Life Property Insurance's "Little Genius" Xueping Insurance, Xiaoyixian No. 2 Medical Insurance, which can also be purchased for children.

If you want to compare more deeply who is more powerful between Chinese Shou and China Ping An, you can take a look at this article again:Chinese life pk Ping An of China, who is the real "insurance brother"?

Considering that children are prone to illness and accidents, it is best for us to configure critical illness insurance, medical insurance, and accident insurance for our children, and we can take a look at the products of different insurance companies. The senior sister has summed up a set of children's insurance plans, which you can also refer to:Less than 1000 yuan, get the child's insurance!

Hope!