Recently, I want to buy insurance for my child, have you bought insurance for my child?

Insurance products vary from person to person, so if you don't provide your personal information, you can't make a correct judgment!

Children's insurance Nowadays, parents love their children very much, hoping that their children can grow up healthily and get the best education, so they have made a lifelong plan for their children as early as possible, and children's insurance is also one of the topics that adults are most concerned about.

To put it simply, children's insurance is nothing more than three situations:

1) General accidents and general medical treatment (in childhood, bumps and bumps are inevitable, and children are prone to colds and fevers, etc., through comprehensive accident insurance, accidental medical treatment, hospitalization, surgery and other expenses can be reimbursed, and financial losses can be compensated).

2) Solve the problem of children's health protection - lifelong health protection (buy health insurance during the child's period because: the premium is cheap during the child's period, at this time, the premium will be fixed first, and the annual line will be appropriately extended, so that the child can win on the route and have health protection for a lifetime, so that an insurance will accompany the child for a lifetime, which is the continuation of the parent's love.

3) Make a financial plan for your child and help your child make a long-term asset allocation (including education funds, wedding funds, entrepreneurial funds, etc., because children's education is also a big expenditure in the future, and it may be difficult to take out so much money at one time; In addition, modern people manage their finances by themselves, in fact, money is easy to spend, and insurance can force savings, which plays a role in earmarking, value preservation and appreciation).

Recommend PICC PICC Health products You can go to the official website to compare similar products.

In addition, be sure to read the terms and conditions carefully before you sign the bill, ask more questions, and avoid problems when making a claim.

It is estimated that it is 40,000 insurance for your child, and 4800 will be returned in 3 years, and it will be returned for life, right?

I am a person from Ping An, China, and I feel that product is quite good.

It is very necessary to give the child insurance, but to give the child insurance is to make a guarantee for the education expenses of each period of his life, this is very necessary, now people have a misunderstanding, wait for the need to buy insurance, insurance must be planned in advance, and the younger the insurance, the lower the premium, the burden on the family is not so heavy, but you pay 5500 a year is a bit too much insurance, we do not advocate that the premium of a single type of insurance is too high, which will cause the center of gravity of the protection to shift As mentioned above, report to the adult first, no matter how good the adult is, it is useless Now I know that there is a kind of education insurance that pays about 3,500 per year, which is in the nature of education plus dividends, not only the children's tuition can be subsidized, but the dividends can also subsidize living expenses, and there is an exemption clause attached, that is, if something happens to the parents, it is impossible to continue to pay the insurance premiums, according to the past, that is, the policy value is returned to the child, and the contract is useless, but now there is an exemption clause, and the insurance company pays you the insurance premiums for the rest of the payment year for your child according to the exemption clause Your child doesn't have to pay for it and can still enjoy the protection that you provide for him, and I think it's pretty good, so you can think about it.

Well, it's a whole life insurance for kids. Accumulate education funds and wedding funds for children, and also have a lifetime of security.

Accident Insurance + Critical Illness Insurance + Million Medical Insurance, Medical Insurance + Education** (Consideration).

Accident insurance: Children's accident insurance is insurance that is conditional on the payment of insurance benefits due to death, disability, medical expenses, or temporary incapacity for work caused by accidental injury.

For example, if the child accidentally falls off the sofa at home, resulting in a broken arm, and spends "3000" yuan in the hospital, and the medical insurance reimburses "1000" yuan, but if you configure the accident insurance with accidental medical treatment and 0 deductible for the child, the remaining 2000 yuan can be reimbursed through the accident insurance.

Critical illness insurance: Once the child has a serious illness, it is necessary to ** after illness, as little as 1-2 years, as much as 3-5 years, and parents need to accompany them during this time period. In this way, you will lose part of your income, and there will be a certain amount of pressure on the family brokerage, so you can configure a critical illness insurance for your child and exchange a guarantee for your child's health through a small annual investment.

Million Medical Insurance.

First of all, children's medical insurance is indispensable, taking Shenzhen as an example, the payment standard for children's medical insurance in Shenzhen in 2019 is only one yuan per year. The child's hospitalization, **, surgery and other expenses can be partially reimbursed through medical insurance.

However, we all know that the reimbursement scope and amount of children's medical insurance are limited, so we can configure a million medical insurance for the child, which can better cover the child's medical expenses.

Some parents will also ask whether their children's education ** needs to be bought?

To put it simply, the education fund is to provide corresponding insurance money for the educational needs of children at different stages of growth. Education** means that when parents lose income or cannot save money, or investment fails, children can complete their education through education**. However, regardless of whether you buy education insurance or not, parents remember to give their children basic protection first, and then consider their children's financial insurance.

When buying insurance for your child, you should pay attention to these three points:1It is recommended not to buy death insurance; 2.

It is not advisable to buy returnable insurance; 3.Don't just leave your child alone. The child is young, and the insurance premium is not expensive.

On the basis of social security, the child is fully equipped with accident, medical and critical illness insurance, which is about more than 1,000 per year.

More than 1,000 per year can be fully insured for children. First, children's medical insurance, which is the basic welfare given by the state. Second, children's critical illness insurance.

The sum insured of 500,000 yuan is guaranteed for 30 years, 600 yuan per year. Third, million medical insurance, 6 million hospitalization protection, 800 yuan per year. Fourth, children's accident insurance, 200,000 accident insurance, 60 yuan per year.

Insurance is all about the occurrence of contractual matters.

Claim the corresponding insurance benefits.

Look at the terms of the insurance contract.

If it doesn't happen, there is no money except for surrender, and surrender is also in the agreement.

How to buy your child's insurance.

There are many types of children's insurance, such as accident insurance, critical illness insurance, medical insurance and education insurance, etc., because the situation of each family is different, and the suitable products are not the same, so when equipping children with insurance, they must be purchased according to their own needs. Here's what you should do with insurance products for your child:

1.Children's health insurance.

Children's medical insurance is an insurance that must be purchased, and it is a benefit given by the state, although the protection function is less than that of commercial insurance, but the emphasis is on cheap and low insurance threshold.

2.Accident insurance.

Children are curious and have a low ability to predict external risks, and it is easy to fall, burn, or be scratched by cats.

3.Critical illness and medical insurance.

Needless to say, critical illness insurance and medical insurance protect the life and health safety of children. The configuration of accident insurance + critical illness insurance + medical insurance provides comprehensive protection for children.

I don't have insurance for my children.

It is necessary to buy insurance for children, mainly because of the low premium of child insurance and the wide coverage of insurance, which is beneficial and harmless for a family. So, this money should not be saved.

It is advisable to buy insurance for your childChildren's health insurance. This is the most basic guarantee. Medical insurance is a national inclusive and mutual welfare, compared with commercial medical insurance, there are three advantages: you can take out sick insurance, guarantee renewal, and long-term effectiveness.

Critical Illness Insurance Wanderer:Mainly to prevent the child from getting seriously ill and bringing economic losses to the family, and at least one adult needs to take care of it, and the adult's income will also be affected. The coverage is a critical illness, and if the insurance occurs, a lump sum compensation amount will be paid to the insured to make up for the medical expenses and ** expenses.

Critical illness insurance is just one type of insurance, and children generally focus on accident insurance, critical illness insurance, and medical insurance.

Accident insurance. Children are generally naughty, and falls, burns, electric shocks and other situations can easily occur, so a children's accident insurance is very necessary. The coverage is accidental death and disability and accidental medical treatment, and if the insurance occurs, it can be reimbursed for accidental medical expenses or a compensation for accidental death and disability for the suspect;

Medical Insurance:With medical insurance as a premise, medical insurance can be used as a supplement to the royal grinder. The coverage is for medical treatment of illness and accident, and in case of insurance, medical expenses will be reimbursed according to the provisions of the contract.

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