Which is better to buy insurance for your children other than savings? 10

The first thing to look at is how old is your child?

In fact, there is already a "universal life insurance" on the market! This kind of product, I personally think it's still good! Because the premium does not have to be paid every year, after the first year, you can even pay it for consecutive years and pay it again in the fifth year, but it will not affect the contract!

Unlike traditional insurance, if the contract stipulates that the payment is made for 15 years, even if it has been paid for 10 years, the contract will still be invalid if it has not been paid in the 11th year!

And the advantage of universal insurance is that I can freely decide how much I want to cover at different ages! Now that children are young, they can take universal insurance as the main insurance, with some children's accident insurance and children's medical insurance

No insurance is good or bad, the best for your family and children is the best! Look at a few more companies, do more and understand it yourself, and you'll know! Don't listen to a company tell you, some ** people will say very exaggerated now, especially dividend-paying products!

In fact, dividends are planted with no cap and no guarantee! So don't take dividends as your real intention in buying insurance!

dividends. Go to Chinese Shou to find out. Better than saving.

or the type of student education**.

It's a good idea to check with your insurance company.

I know that there is a company that is a Sino-British joint venture, and it has the education fund you need for your children to go to school, and this kind of insurance can be said to be available to all life insurance companies, which is similar to each other. But the advantage of this company is that children under the age of 3 can be insured by accident insurance. In case of a bump, it can be reimbursed regardless of whether it is an inpatient or an outpatient outpatient.

Within 10,000 or 20,000 yuan (depending on the amount of insurance), the individual only pays 80 yuan. It is very necessary to insure children with this insurance. With very little expense, larger losses can be mitigated.

At the same time, there are also types of insurance that can be reimbursed for hospitalization and daily hospitalization allowance, in addition to partial reimbursement, there is also an allowance of 50 yuan a day. This company can purchase hospitalization medical insurance after 60 days for children. At present, other companies can only apply for the above types of insurance if they are over 3 years old, and you can see that the company I recommend has a long history and strong strength.

I am a senior insurance consultant with six years of insurance experience. Ms. Huang.

If you are in Beijing, please feel free to contact us.

There are 2 biggest differences between saving money and buying insurance: 1. The idea of saving money and saving this money after a few years will always be saved, it is difficult to achieve the goal we want, buying insurance is equivalent to forcing yourself to save money, and then take it out at a certain time, and save a sum of money unconsciously2??There is no risk aversion effect in saving money, people eat cereals, it is normal to have three diseases and two pains, if there is a disease or something like that, not only the money deposited in the bank can not avoid the risk, but it may also be necessary to use the money for emergency use, but the insurance can ensure that the money saved can also share the risk of course, of course, it is not to use all the money to buy insurance, generally we use 10-15% of the annual family income to spread the risk, and I personally think that we should first consider their own protection before buying children, if even adults are not guaranteed, Surely the child's insurance premiums are not guaranteed? When buying insurance, medical and health aspects are considered first, and then education funds, pensions, investment funds, etc.

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

If you want to save money for your child's insurance, you can choose the education fund, which gives your child a certain amount of money at a certain time.

The collection time of different products is different, some of them start to receive from the child's middle school or high school, and receive it until they graduate from college or start a family; There are also those that start at the age of 18, and there are also those that start from a certain year after the purchase of insurance, such as the 5th year and the 10th year.

So it depends on what kind of planning you are doing for your child, how old you want to use the money for your child, how much money you want your child to get at what age, and what the money is used for, and then you can match the most suitable product.

At the same time, pay attention to the stability and certainty of the product's income, whether it is a guaranteed income, whether it is written in the contract, and whether it is floating.

Personally, I would recommend buying social security, because social security is the most cost-effective and popular social security measure for many people. In addition to social insurance, you can buy some commercial insurance, take commercial insurance as a supplement to social insurance, and achieve stronger protection effect by configuring commercial insurance.

As for the issue of commercial insurance, each family needs to decide what insurance to buy for their children according to their actual situation, and different types of insurance will have different emphasis.

You need to give your child social security as a priority.

At present, the nationwide social security coverage rate has reached about 1.3 billion people, which means that basically everyone participates in social security. As I mentioned above, social security is the basic guarantee for us to gain a foothold in this society, and the same is true for children. After your child has paid social security, you can consider other commercial insurance.

Critical illness insurance and medical insurance can be prioritized in commercial insurance.

Some people may prioritize so-called life insurance, believing that it is very cheap to buy life insurance for children when they are young. But in general, critical illness and medical insurance may be more urgent, while also significantly improving a family's ability to cope with risks. Generally speaking, the cost of purchasing critical illness insurance and medical insurance for children is not high, and you can supplement it according to the actual situation of your child.

The coverage content of various critical illness insurance and medical insurance on the market is basically the same, and you can choose a larger insurance company

You can also allocate a certain percentage of education insurance to your child.

At present, many insurance companies have launched so-called compound insurance, which not only provides protection for children's life and health, but also achieves a certain saving and investment effect. If the child is not in school at this time, you can give priority to setting up an education ** for the child, and realize it by configuring insurance. <>

To sum up, give priority to covering social security for children, followed by purchasing critical illness insurance and medical insurance in commercial insurance, and at the same time, you can also configure education-type insurance products.

You can buy critical illness insurance, million medical insurance and accident insurance for your child, because your child may have some illnesses or accidents at this age, so it is most appropriate to buy these insurances.

You can buy accident insurance, million medical insurance, education insurance, and children's critical illness insurance for your children, which are very helpful to your children and can also bring great protection to your children.

I think it is most appropriate to buy accident insurance for small children, because children are very easy to get injured at a very young age, so it is very beneficial for children to buy this insurance.

Savings children's insurance is mainly long-term insurance, and the common ones are mainly savings children's critical illness insurance and savings children's education funds.

Children's savings critical illness insurance mainly provides critical illness protection for children at the same time, but also has a certain amount of insurance income. Children's education insurance is also more common at present, parents are more keen on buying savings insurance for their children, special funds, to a certain period of time can be returned by the insurance company to directly use the money for education, reduce the educational burden of parents.

Although children's savings insurance at the same time has certain investment and protection advantages, favored by the majority of consumers, but parents should also pay attention to the following points before applying for insurance, first for their children to buy children's savings insurance to do what they can, compared with consumer insurance, the premium of children's savings insurance is relatively high, if the premium budget is limited, you can first buy consumer insurance for your children, if the family economic situation is good, you can buy savings insurance.

Secondly, when purchasing savings insurance, the return period and protection period should be decided according to the actual situation of the child, each stage of the child's growth is facing different risks, and it is necessary to continuously improve the child's protection according to the actual needs.

In addition, the most important thing in insurance is the protection function, and parents should give priority to the protection function of insurance when insuring their children, followed by the investment function of insurance.

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

There are countless insurance products on the market, and many parents have struggled to choose insurance for their children, and they feel that children's insurance is really difficult to choose!

"Top 10 Cost-effective Children's Critical Illness Insurance in 2020".

So what should be the idea of children's insurance configuration, I recommend:Children's medical insurance + critical illness insurance + medical insurance + accident insurance.

Children's health insurance isThe State grants social benefits to every childParents should enroll in children's medical insurance for their children as soon as possible, and if the cost is not high and it is handled within three months after birth, they can enjoy the treatment of medical insurance after birth.

Children's medical insurance can reimburse outpatient emergency expenses such as cold, fever, diarrhea, etc.

Critical illness insurance is used to:Coverage for critical illness, such as leukemia, severe hand, foot and mouth disease, etc.

Newborn children are not fully developed by the body's immunity, and the chance of suffering from serious illness is much higher than that of adults, and the cost is not a small amount.

There is a big advantage to buying critical illness insurance for childrenIn general, the lower the age, the cheaper the premium**It doesn't cost a lot of money to buy pure protection critical illness insurance for children, and some products can buy hundreds of thousands of critical illness insurance products with hundreds of thousands of insured amounts for less than 1,000 yuan.

And when a child is seriously ill, parents often have to give up work to take care of their children;

At this time, it is neededCritical illness insurance to protect our living expenses, nursing expenses, mortgages, car loansWait.

Medical insurance is divided into million medical insurance and small medical insurance, which are reimbursed for ** expenses.

It is generally recommended for childrenMicro-medical insuranceThere is a deductible of 10,000 yuan for million medical insurance, and common colds and fevers in children are minor diseases, which generally do not meet the threshold of medical insurance; Million dollar medical insurance is used to cover large medical expensesThe setting of micromedical insurance is more suitable for children.

When it comes to micro-medical insurance, I only recommend these 10 models! >>

"Top 10 Small Medical Insurance Recommended for Children! 》

Of course, if the budget is sufficientOn the premise of having a small amount of medical insurance, a million-dollar medical insurance can provide better protection.

Accident insurance, as the name suggests, is a type of insurance that covers accidents. **Low and leveraged.

Accident insurance can be reimbursed for outpatient medical expenses incurred after the child suffers accidental injuries, such as falls and burns, because the disability and death caused by the accident can be paid in a lump sum!

Children's accident insurance is availableAdditional accidental medical treatment is better, 0 deductible, and it is best to reimburse unlimited social security drugs. In this way, the child falls and bruises and is injured, and the medical expenses and self-financed medicines caused by small accidents can be reimbursed.

"The 10 most worthwhile children's accident insurance points! 》

Xueba said insurance, only recommend the most suitable child insurance! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated, you can click on it to take a look.

How to buy insurance for your childThis problem makes many parents have no idea where to start, today let's take a look at how to buy insurance for their children! Keep these three tips in mind:

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, on the premise of handling medical insurance, you can start to consider commercial insurance, and critical illness insurance + medical insurance + accident insurance needs to be given priority.

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 be used to treat diseases, but also solve many hidden problems caused by illness, such as falling behind due to illness, or some irreparable losses in subsequent life, which require a lot of cash. Buying a pure protection critical illness insurance can solve these problems in the future.

In addition, medical insurance 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, and the annual premium is only one or two hundred yuan, which is very cost-effective.

Finally, it is necessary to configure an accident insurance, the child's accident insurance is very cheap, 200,000 yuan per year is only sixty or seventy yuan, which can protect the child's disability, death and medical liability caused by accidents, which is cheap and useful.

Third, don't buy both types of insurance for your child!

There is a detailed introduction in it, and because it is written in detail, I will not introduce it 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 low and real.

That's all for me"Is it better to buy insurance for your child or save money? "

Saving money can't resist inflation, and after a long time, it shrinks in disguise. Over the years, the number has increased, but the value has shrunk by half. If there is a risk, only the principal and profit will be taken out.

Many people don't have enough money for a lifetime to get sick once; A lifetime of money is not enough for a child's tuition; A lifetime of money is not enough for a house.

Buying insurance is savings and more protection, and if there is a risk, the insurance company will bear it; Peace and security can be used as children's education**, and can also be pension money. The disadvantage is that the liquidity is poor and cannot be withdrawn at will, so the money to buy insurance should be 10%-20% of your annual income, and the money that you don't need to use urgently in life will not affect your daily life.