What kind of insurance should I buy for a newborn child?

Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Therefore, it is recommended that you first consider that you must consider medical insurance, whether it is commercial insurance or social security, and then consider other insurance products, so that it makes sense. If you are not healthy, it is impractical to have more pension insurance.

According to what you said, what kind of insurance you have to buy, it is recommended that you consider the relevant products of commercial insurance according to your actual age. Now insurance is nothing more than social security and commercial insurance, if you pay social security fees in the name of individuals, the amount of money paid will be a lot every year, according to the current standard of living, the payment is the trend of the first year every year.

Now the products of insurance companies can meet your requirements, what are the deposit and withdrawal, there are one-time collection. For example, the cost of children's education insurance is about 3,650 yuan, paid until the age of 17, and then your child is 18 to 21 years old to have a college education**; At the age of 22, he has a further study gold; 25-year-old with further education**; At the age of 28, there is a lot of dowry. And there is an extra protection for adults.

Here, I know that in this industry, there are three recognized sentences that say this: "brand in life", "Ping An talents" and "Xinhua products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally a lifelong contract, and you can become lifelong happiness if you buy it well, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) Buy insurance first for adults and then children, if adults are not protected, children have no more protection is meaningless, after all, adults have financial ability.

In fact, there are still many things to pay attention to, be sure to pay attention to every detail, and the above hope can help you.

Your own needs and financial ability constitute the main factors in buying insurance!

Children can buy education-type insurance. The husband is the pillar of the family, and he can buy accident and critical illness insurance! Plus retirement!

The insurance options for children include accident insurance, medical insurance, critical illness insurance, education insurance, etc., which need to be selected according to their own needs and pay attention to relevant details.

In the process of growing up, children will face many uncertain risks, insurance planning is generally an expression of love that parents want to give, and the choice of insurance framework can be referred to as follows.

1.Accident insurance: children grow up lively and active, bumps and bumps are inevitable, now many families like to have pets, cats and dogs are likely to encounter, so a few cents a day of accident insurance can solve the cost of reimbursement caused by these accidents, try to choose an accident insurance that can include accident medical treatment beyond the scope of social security reimbursement.

2.Medical insurance: children are young, weak immunity, if there are health problems need to seek medical expenses, the cost of medical treatment is also the family's expenses that have to be spent, generally including outpatient medical insurance ** slightly more expensive, pure hospitalization is relatively cheap, depending on their needs to choose.

3.Critical illness insurance, also known as health insurance, is mainly to solve the problem that people may suffer from critical illness in their lifetime (high cost, long illness, may cause a major blow to the family economy) insurance, once it meets the requirements will be directly paid in cash, this is basically the family just needs, the child is generally smaller, the physical condition is good, the underwriting barrier is small, the underwriting probability is high, and the premium is cheaper, depending on the product benefits, company choice, protection period, different protection amounts, or according to their own budget comprehensive evaluation choice.

4.Education insurance, this is the child's growth in the determination of expenditure, in addition to the compulsory education stage, education expenses need to be paid by themselves, children eugenics to be more preferential, hope that the son will become a dragon and phoenix is the hope of every parent, so for the child as soon as possible to prepare a future education ** is not only the hope of the parents' life but also the motivation for the child's financial quotient cultivation and learning, the earlier the preparation, the easier, the more the cost, depending on the family situation.

5.To tell the truth, family insurance planning is best for the whole family to plan, in a sense, parents are actually the biggest protection for children, only parents are safe and healthy, can continue to create wealth for children, children's lives are guaranteed, so the insurance configuration has a principle, under the condition of limited conditions, first protect adults and then children, but accidents, critical illness is just needed by adults and children, is a necessary insurance for life.

The above suggestions are for reference, love him to protect him thoroughly, and it is also a contract to accompany his lifelong love, and it is a good way to cultivate children's financial intelligence.

When children buy insurance, they can consider four aspects: 1. Children's medical insurance; 2. Children's critical illness insurance; 3. Medical insurance; 4. Accident insurance.

Newborn children are relatively young, their resistance is relatively weak, and they are in an extremely vulnerable state in all aspects, and they need insurance to provide comprehensive and reliable protection. It is recommended to give priority to the purchase of insurance, medical and accident protection insurance, you can consider the purchase of critical illness insurance + medical insurance + accident insurance, in the case of good economic conditions, you can consider the future education of children, and then supplement an education fund on this basis.

It is also necessary to pay attention to the allocation of insurance for newborn children: the order of insurance allocation should be adults first and then children, and adults are the most reliable dependence of children, so do not put the cart before the horse.

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