Should I buy insurance for my baby?

The momentum of the insurance industry in recent years is very fierce, and some people who are engaged in the insurance industry have also let insurance penetrate our lives through various channels such as the circle of friends. Some people don't like to buy insurance, thinking that they will not experience any big ups and downs in the future, and they are optimistic that some so-called natural and man-made disasters will not befall them, but is this blind optimism correct? <>

Let's take a look at what insurance is. Insurance is a protection mechanism, a risk aversion for your future when you have the ability to make some investments. In layman's terms, insurance is all about avoiding all kinds of accidents that may happen to you in the future.

We can also often see some cases of insurance compensation subsidies sent by some people engaged in insurance in the circle of friends, and even some of them are people around us, when there are major changes in the family and their personal safety is harmed, insurance plays a vital role. Therefore, from this aspect, it is also necessary to purchase insurance.

You may feel that your baby is relatively small now, and it is okay to buy it or not. However, there are some types of insurance that are only for these infants, and you can learn more about the insured funds of this type of insurance and the benefits that will be fed back later. See if it's appropriate.

If your family background is not particularly good, don't blindly insure, after all, behavior insurance is the future, and it is still the most important thing to eat and drink well.

If you really think that your baby is too young now, you can also wait for your child to be a little older before buying, or wait until he has his own ability to think about right and wrong, and then refer to his opinion to decide whether or what to buy.

One of the insurances that need to be configured for the baby is accident insurance.

First, children belong to the group of high accidental injuries, and the accidental medical treatment of accident insurance can cover many small ones in lifeIncidentally, the child fell and fractured while walking, was cut by a sharp weapon, and was bitten by a dog, all of which belong to the scope of accidental medical compensation.

Moreover, these accidents are not compensated by social security when you see a doctor in a hospital. For your baby's accident insurance, don't look at the death benefit, but pay attention to the value of the medical claim. Another very important reason for configuring accident insurance for babies is that children's accident insurance can find good products with additional hospitalization medical treatment.

Inpatient medical care is not a substitute for accidental medical treatment. There are also many cases where hospitalization is not caused by an accident, accidental medical treatment is not compensated, and inpatient medical treatment is the result of compensation, which means that no matter what the reason, as long as the final result is hospitalization, it can be compensated.

The probability of hospitalization due to the baby's illness is relatively high, the cost of a sum is not small, and the medical insurance report is not much, so the inpatient medical treatment can be used. This kind of accident insurance product specially designed for children, with illness hospitalization reimbursement, should be the most cost-effective product among all insurance, and it is very worthy of configuration.

What insurance is suitable for babies?

Before children buy commercial insurance, they should first purchase children's social security and school level insurance, so that they have basic protection, and then supplement on this basis. The core role of insurance is protection, and protection insurance has the significance of small and broad, and has a leverage effect.

Due to the unpredictable nature of accidents and illnesses, and the fact that they do occur, the financial situation of the whole family can be more serious. Therefore, accident insurance and health insurance are essential types of insurance for children, and there are many types of accident insurance and health insurance, which can be selected according to their own family situation and needs.

As for education insurance, its biggest role is to force savings, and the income will not be too high, so whether it needs to be purchased depends on the investment channels and investment preferences of the customer's family.

Conclusion

So if you want to give your baby an insurance, you can start with accident insurance. The baby is still young, full of curiosity about everything, and does not understand anything, parents if a careless child is likely to hurt themselves, at this time accident insurance plays a great role, for parents to add a peace of mind and protection.

Whether the baby wants to sell insurance depends on the family's income and insurance configuration.

1. The total premium should be 10% of the family income and not more than 15%.

Second, the amount of premiums is allocated according to the contribution to the household income.

Adults first, children second. In particular, important contributors to household income need to be covered comprehensively and adequately.

Third, if the adult insurance configuration is relatively complete and the family premium still has a balance, you can consider buying insurance for the baby.

Third, the allocation of insurance for the baby is first of all social medical insurance and consumer medical insurance, such as million medical insurance. This premium is only a few hundred yuan per year, so you must insure it. Secondly, if there is a balance, take care of critical illness insurance.

If you have more spare energy, you should consider education insurance. Life insurance doesn't have to be considered. Unless it is a large inheritance and you want to designate a baby inheritance, you can reconsider the insurance configuration.

I think it's okay to buy her an insurance. Because there will be all kinds of things in life, it is best to buy a long-term insurance. Long-term. Insurance. It will be very beneficial for his later life and family.