Do you buy Ping An Wisdom Star Insurance for your children? What do you think?

A lifetime insurance product. There are many types of insurance for your child, and the key depends on what you care about. Ping An staff answered.

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

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What insurance should I buy for my child?

This question has stumped many parents, today let's take a good look at how to buy insurance for children so as not to be cheated! Pay attention to three key points:

First, the country's medical insurance must be handled!

After the child is registered, you can go to apply for neonatal medical insurance (urban and rural residents' medical insurance), 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, 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.

Let's start with critical illness insurance, which provides coverage for as long as possible. In addition, critical illness insurance can pay a large amount of cash directly after getting sick, which can not only solve the problem of medical expenses, but also solve other associated problems, such as the delay in study caused by medical treatment and some subsequent life losses, all of which require 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, a 0 deductible hospitalization medical insurance, with an insurance amount of 10,000 yuan, and an annual premium of one or two hundred yuan, which is cheap and useful.

Finally, let's talk about accident insurance, children's accident insurance is particularly cheap, 200,000 insurance is only sixty or seventy yuan per year, you don't see that the money is not much, but in fact, the protection is quite extensive, accidental death, disability, accidental medical liability are within the scope of protection, not expensive, and very useful.

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

Don't choose life insurance for your child, and try not to consider critical illness insurance with both liabilities attached. I know the specific reasons in this articleWhy is it so hard to buy child insurance? You'll know when you see it!

has been introduced in detail, because it has been clearly stated in the manuscript, I will not say too much here.

According to the above insurance ideas, if you are configuring regular protection for your child, you can configure it comprehensively for about 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is very practical.

That's all for me"Do you buy Ping An Wisdom Star Insurance for your children? What do you think? "All of them, I hope it helps you! Hope!

Hello dear, 1The reason why this product is a universal insurance product is mainly because this product has met the basic requirements of life insurance, and it will also have a certain medical protection effect. 2.

At present, the mainstream life insurance on the market is aimed at young and middle-aged people after the age of 20, and there are relatively few types of life insurance suitable for children. 3.This type of insurance product is very flexible, which can not only protect the health of children, but also play a certain role in financial support.

For those families with relatively good economic conditions, it is a good choice to formulate this insurance product for their children. Ping An Wisdom Star Whole Life Insurance (Universal) Issue age: 0 years old (refers to babies who have been born for 28 days and have been discharged from the hospital in good health) to 17 years old.

We know that many people will reasonably plan their assets for insurance and wealth management, and this kind of insurance product with a financial nature can perfectly meet this point. On the whole, this product is mainly to provide basic protection for children. 1.

Insurance rules: The same policyholder can only apply for one insurance for the same insured; The basic sum insured is 8-100,000 yuan (can only be sold to children with a risk insurance amount less than or equal to 20,000 yuan). 2.

Insurance period: 5000 and below, minimum 10 years; If the payment is more than 5,000, you need to pay 50,000 yuan, otherwise you will be given a two-year deferred payment period, and the fee will not be paid after the expiration of the deferred payment period. 3.

Payment method: the period payment shall not be less than 4,000 yuan; The period payment of 7,000 yuan (inclusive) or more can be added. Period of Insurance:

Lifelong. Insurance liability: In the event of the death of the insured, we will pay the "death insurance benefit" according to the insured amount at the time of death, and the main insurance contract will be terminated.

The death benefit paid includes the account value of the policy at the time of death. 4.Additional Features:

Top-up premiums, deferred premium payment, partial payment. Additional Insurance: Ping An Wisdom Star Early Payment Critical Illness Insurance, Ping An Additional Worry-Free Waiver Term Life Insurance (a), Ping An Additional Worry-Free Waiver Critical Illness Insurance (b), Ping An Additional Worry-Free Waiver Critical Illness Insurance (c).