How to buy newborn insurance to add a protective layer to your baby s health?

Although there are many families who choose to buy insurance for themselves and their families. But many people don't know much about insurance and don't know the specific role of insurance. There are still many types of insurance on the market, and different insurance policies have different functions.

Many parents want to buy insurance for their children when they are born, so that the children have a guarantee when they grow up. So, how do you buy insurance for your newborn as a parent? <>

First of all, be sure to buy health insurance for your child. Compared with commercial insurance, the insurance conditions of medical insurance are relatively relaxed. Medical insurance is a welfare policy given by the state to the people, and the reimbursement ratio is relatively large.

It only costs a few hundred dollars a year, and that's it. Therefore, before purchasing commercial insurance, parents should take medical insurance as their child's first insurance. After the child is enrolled, whether it is a major or minor illness, it can be reimbursed by medical insurance.

After the child is born, as long as he has a household registration, he can go to the relevant departments to apply for medical insurance. <>

Secondly, you can consider buying commercial insurance for your children. Most insurance companies require a child to be at least 30 days old before they can be insured. It is recommended to purchase a medical insurance for your child.

The amount of medical insurance reimbursement is limited, so the remaining expenses can be reimbursed with commercial insurance. However, when buying commercial insurance, it should be noted that there are many medical insurance policies that will set a deductible, and the insurance company will reimburse only if the deductible is exceeded. The reimbursement ratio of many medical insurance is determined based on whether or not you have participated in medical insurance.

If you have a sufficient budget in terms of insurance, you also need to buy a critical illness insurance for your child. Although it is unlikely that you will have critical illness insurance, once you are diagnosed with a critical illness, it means that your family needs to bear a heavy medical bill. If the child suffers from a serious illness, then the parents also need to work with the child.

In such a situation, not only do you need to spend a lot of money every day, but your daily income will also decrease. If you can have a critical illness insurance, you can provide protection for your child.

Newborn insurance is added with serious illness insurance, medical insurance and accident insurance, and the protection is very comprehensive. It is not recommended to choose insurance that covers the whole life, you can do it at the age of 30, and the insurance will be more and more perfect in the future, and the child can choose the right one for himself in the future.

You need to buy medical insurance for your child first, and then you can buy commercial insurance for your child, and you may also need to buy a critical illness insurance.

When buying newborn insurance, it must be purchased according to the child's physical fitness, only in this way will it not waste money and have a better cost performance.

In fact, the role of neonatal insurance can also be seen from the analysis of the risks faced by newborns. At present, there are many neonatal insurance on the market, and the specific protection role of different insurance is different, but the specific performance is as follows:

1. Newborn accident insurance can reduce the pressure of accidents.

The probability of accidents in newborns is relatively large, and it is a pity that death and disability are caused by accidents. Newborn accident insurance can help parents and friends reduce the pressure of accidents, at least when the child suffers an accidental injury, there is money to carry out**, so that the child can recover as soon as possible.

At present, neonatal accident insurance is not expensive, and most of it is short-term accident insurance, usually 100 yuan a year can get hundreds of thousands or even millions of insurance amounts, with high leverage and is very cost-effective.

2. Neonatal critical illness insurance can reduce the medical burden.

Children's health is a major concern for parents. However, due to the environment, food and other reasons, the incidence of critical illness is gradually getting younger and younger, and the probability of serious illness in children is also increasing. As you know, although many critical illnesses are serious, the chance of being the best is also very high, but the medical expenses are expensive, and the cost of later recuperation and conditioning is also required.

Newborn critical illness insurance can help reduce the medical burden of the child, and ** can also have money to recuperate and recover health later.

3.Education insurance can help educate newborns in the future.

There are various types of insurance for children, and the accident insurance and critical illness insurance introduced above are mainly aimed at the healthy growth of children and the protection of children's health. The education insurance is set up for the child's future education, and the child is given an education insurance to help the child's education, so that the child can have the support of education funds at all major education stages.

Of course, the cost of newborn education insurance is generally relatively high, and parents and friends need to do what they can. If the family's financial situation is not very good, you can put it aside for the time being and wait for the economic conditions to improve.

What is the use of a newborn health insurance card.

Both adults and children should apply for a medical insurance card, so that when they are sick, they can be reimbursed by medical insurance, so as to reduce the financial burden. Newborns should apply for a medical insurance card, because newborns have poor resistance and are susceptible to diseases. So, what is the use of a newborn health insurance card?

The role of the neonatal medical insurance card is still very great, after the neonatal medical insurance card is handled, when the baby is sick or hospitalized, parents can use the baby's medical insurance card for reimbursement. For example, when you see a doctor at a community health service center, you can generally get 60% of the reimbursement. If you are in a first-class hospital, you can generally be reimbursed 50% for medical treatment.

When you see a doctor in a secondary hospital, you can generally reimburse 40%.

However, there are certain differences in the reimbursement standards in different regions, so the reimbursement ratio is also different. But for families with poor experience conditions, it is good for the baby's health and can also save a large part of the expenses, which is also a very good choice.

Therefore, parents should apply for a medical insurance card for their newborn as soon as possible so as not to miss the best time. Generally, 0-3 months after the birth of the baby is the best time to apply for a medical insurance card, if it exceeds this time period, you need to wait for the time of centralized processing, in the process, so that you can enjoy medical insurance until January 1 of the next year. Of course, different places have different standards, so parents should apply for a medical insurance card for their babies as soon as possible according to local standards.

First of all, I would like to bring you a list of the best children's critical illness insurance to buy this year"2020 Top 10 [Cost-effective] Critical Illness Insurance Rankings".

The self-regulation ability of the child's body is relatively weak, and the balance in the body is easy to be broken and cause illness, so it is very worthwhile to buy insurance for the child. There are many types of insurance, what kind of insurance should I buy? Next, we will briefly introduce to you several types of insurance suitable for children.

1. Children's medical insurance

First of all, the most important insurance for children is children's medical insurance. Medical insurance is a welfare insurance, in addition to individual contributions, collective and ** also have financial support and funding. It only costs one or two hundred yuan a year, and for such a state welfare insurance, it is best for all families to allocate it to their children.

However, his protection is very small, there is a minimum payment line, a ceiling line, and many self-financed drugs cannot be reimbursed. Therefore, if you only buy medical insurance, the risk protection is not enough, and you have to buy commercial insurance to supplement it.

2. Critical illness insurance

Critical illness insurance is mainly for the risk of critical illness. Unlike medical insurance, critical illness insurance is a benefit-based insurance that pays out as long as you get the illness covered by the insurance contract and meet the corresponding definition of illness. If a child suffers from a serious illness, parents can also receive a lump sum insurance payment, so that parents can stop work and focus on taking care of their children without having to think about money.

At present, all life insurance companies have basically launched children's critical illness insurance designed for children, which can better meet the risk protection needs of children in terms of protection content, and many can also add policyholder exemptions.

3. Medical insurance

Medical insurance is more suitable for the public to buy "million medical insurance" and "small medical insurance", of which the million medical insurance is mainly used to deal with serious illnesses with high medical costs, its insurance amount is relatively moderate, and it can cope with larger medical expenses, but its deductible is also higher, generally between 10,000 and 20,000. The small medical insurance refers to the medical insurance with a relatively low insurance amount, and his reimbursement amount is generally only one or two thousand yuan, but in terms of deductible, he is also relatively low, as long as one or two hundred yuan, and there is even no deductible. His coverage is quite suitable for children, covering medical expenses due to illness and accidental injury, as well as general outpatient medical expenses.

Because of the general outpatient medical insurance, even minor illnesses such as children's colds and fevers can be compensated.

4. Accident insurance

According to statistics, the incidence of fractures in children is quite high, so you can consider buying an accident insurance, as long as the content of the protection covers some common accidents in daily life.

Newborns must be insured as soon as possible, as the transfer of diseases may bring economic losses to the family. Before configuring commercial insurance, you must first apply for medical insurance for your child, and you can handle it within three months of your child's birth, and if you apply for medical insurance within three months of your child's birth, you can enjoy medical insurance treatment from the date of your child's birth. In terms of commercial insurance, critical illness insurance and medical insurance should be considered first.

Newborns must first register for medical insurance in order to participate in medical insurance. The guardian of the newborn needs to hold a copy of the newborn's household registration book and a one-inch newborn **, go to the community neighborhood committee where the household registration is located to fill in the "Registration Form for Basic Medical Insurance for Urban Residents", sign and seal it by the handling personnel, and send the registration form to the Resident Department of the Municipal Medical Insurance Center to make a social security card and pay medical premiums.

The following information is required for neonatal medical insurance:

You need to bring your household registration book (a copy of the first page and the child's household registration page), your parents' ID card (copy both sides) and a blue or red background for your newborn one-inch** (required in some places) to the street or community labor security office where your hukou is located to go through the insurance procedures. It takes more than a month from the insurance procedures to the newborn medical insurance card. Generally speaking, as long as the newborn is less than 12 months old, you can apply for insurance at any time.

The annual medical insurance fee is 50 yuan.

Newborns can be processed at any time within one year of birth, but the local tax is from the 6th to the 25th of each month. If a newborn child is issued a social security card within three months of birth, it can be reimbursed for expenses from the time of birth to the present. If you apply for a social security card after three months, you can only be reimbursed for medical expenses from the time the card was issued.

However, now you can go directly to the neighborhood committee with the household registration book to get ** to handle, as long as the neighborhood committee can check your baby's household registration information, you can handle it directly, and you don't need to go to the local tax. Then take the entrustment number to the bank to go through the withholding procedures. Then go to the Labor Building to apply for a social security card, and you must bring your household registration book and your ID card.

Do babies need insurance.

Kangbo Finance 2019-3-29

Babies can buy insurance, whether to buy insurance according to their own needs to choose, baby insurance has medical insurance, education insurance and accident insurance.

1. In daily life, many parents feel that the baby is born very healthy, and usually has the careful care of the family, and does not need to buy accident insurance, medical insurance and other insurance, in fact, this is a misunderstanding.

2. Every year, nearly 30% of infants and young children in China undergo medical treatment, disability or death due to accidental injuries. At the same time, infants and young children are also more likely to suffer from fever, cold, diarrhea and even pneumonia and other diseases, and the probability of hospitalization is much higher than that of adults, so it is very necessary to choose accidental injury protection and medical insurance for children.

Types of Infant Insurance:

1. Children's medical insurance - protection children's insurance, in family life, there are two main types of expenses related to children's health: one is children's critical illness; One is pediatric hospitalization.

2. Children's education insurance - savings children's insurance, in the past ten years, the education expenditure brought about by the marketization of education, as well as the change of family consumption concepts, more and more parents are willing to invest limited resources in their children's education and training, and make financial planning and arrangements for their children in advance.

3. Children's accident insurance, children are curious, lively and active, and have a poor sense of self-protection, and are in a vulnerable group in society, so the possibility of accidents is relatively large.

Generally speaking, newborns do not need to be insured because there are many restrictions on newborns.

Insurance, of course! Both medical and accident are important! Children are prone to colds and fevers! It is the easiest to be hospitalized, so you should buy insurance.

Sir, of course, the second needs insurance, and the sooner the insurance is this kind of thing, it is also good for the child, so after the birth of the newborn, you can give him an insurance, which can make him safer.

Newborns can be insured, as long as your conditions are good, it is only good to give your baby good insurance.

At present, maternity hospitals need to apply for insurance for newborns, and children must be vaccinated and insured after birth, which must be completed during the confinement period.

New people also need to look at insurance, because this is also a medical insurance.

Do newborns use insurance, now I don't think it's necessary to have insurance, and if you wait for other people's insurance, you have to wait until you are older to get insurance.