Whether the child should buy all or separate accident insurance

In fact, depending on your personal situation, if you don't have a nanny, and you usually belong to care, and there are more dangers at home, it is recommended to sell more accident insurance. It is not uncommon to see children aged 3-5 falling out of windows.

If the family takes good care of them, buy less accident insurance. In fact, accident insurance for children is not expensive.

If your child has been a foodie since childhood, then buy more health insurance, because many people in their teens now have heart disease early because they are overweight. And it is also possible to get food poisoning from eating unhygienic things, and often have a bad stomach.

If the child is good at everything, then buy investment participating insurance, and buy less other health insurance accident insurance. Because tens of thousands of yuan can buy hundreds of thousands of pensions.

Hello, I am a financial advisor for an insurance company, congratulations on your strong insurance awareness. Because the baby is very small, hyperactive, and has poor resistance, you can buy a serious illness medical insurance for the baby, if you have enough funds, you can buy another education fund, if necessary, I will help you design a plan, please reply.

Please pay attention to the Xinchengyue Growth Plan published by the people**:) The first single in the baby's life, pay 10 years for 20 years, and return the premium paid as an education fund at the end of the term. In 20 years, 43 major illnesses and 10 high-incidence serious illnesses of children will be covered with double compensation; 10 times compensation for accidental injuries and campus accidents; Hospitalization allowance for serious illness, general hospitalization allowance, medical reimbursement for accidental injuries...Comprehensive care for growth....The policyholder and the insured are double exempted to ensure that the mission can be achieved!

Children's million sum assured, exclusive in the industry!

Look at the economic conditions, if the conditions allow, buy all the insurance, think about why you buy insurance, what are you most afraid of? Will bumps be cured? Today's insurance basically has dividends or survival fund returns, such as Ping An's children's guardian star both-dividend insurance, children can receive money every year, and there is a lifetime of critical illness protection of not less than 300,000 yuan, buy early, receive money early, dividends early, and rest assured.

Hello, children are active and prone to accidental injuries, but it doesn't mean that they won't get sick, so it's recommended to buy them all! In addition, as a reminder, the protection of adults cannot be ignored.

It is very important for children to have accident insurance, they are active by nature, and it is inevitable that they will bump and bump in the process of exploring the wonderful world.

From wrestling to accidents, accident insurance can play a role in protection.

And, the summer vacation is coming, drowning is happening, and the best way to transfer risk is to buy accident insurance for your child.

As the father of two "gold-swallowing beasts", he has spent a lot of time with the children from birth to the present, and although they are carefully cared for, there are always unexpected things happening.

Yu Daddy Bao.

As you can see in the picture above, there are still a lot of unexpected situations that children face.

Therefore, if you have the ability, you should consider establishing a good accident protection for your child in a down-to-earth manner, so that when the accident does come, you can transfer the risk and provide better medical conditions for your child.

Moreover, an accident insurance is not like critical illness insurance, which can be done by tens of thousands of dollars.

Before the insured reaches the age of majority, the sum of the insured amount paid for the death of the insured as agreed in the insurance contract and the sum of the insurance money actually paid by each insurance company at the time of the death of the insured shall be implemented according to the following limits:

If the insured is under the age of 10, it shall not exceed RMB 200,000;

If the insured person has reached the age of 10 but is under the age of 18, it shall not exceed RMB 500,000.

To put it simply, the maximum amount of accidental death benefit for children is 200,000 yuan before the age of 10, and the maximum sum insured is 500,000 yuan between the ages of 10 and 18, but disability, accidental medical treatment, critical illness, etc. will not be subject to this limit.

Therefore, when we configure accident insurance for our children, we still focus on the protection of accidental disability and accidental medical treatment.

"Accident insurance for different ages is bought like this, it's right! 》

1.First of all, you must recognize the current situation and economic situation of your family. Buying insurance for children should be considered comprehensively, one is to see whether the family's economic situation is allowed, the second is to see whether the family's economic pressure is great, and the third is to see the economic sustainability of one's own family.

If you don't think about these things clearly, you don't have to buy insurance for your children blindly.

2.Where does the family's economy come from. If there is an old family and a small family. And there is only one person who earns money to support the family, and this kind of family situation is not suitable for insurance.

3.Because the annual amount of insurance is not small, ranging from a few thousand yuan to tens of thousands of yuan, and it lasts for a long time, with a cycle of ten years, and the time when the payment base is small is even longer, there are 15 years and 20 years.

4.You can't withdraw it in the middle, if you want to take it out, you can do it, but you have saved money for a few years, it will only be less, not more. Therefore, some disputes also arise because of this, the insurance broker is irresponsible, and casually promises the customer that he can take it at any time, as if it should be deposited in the bank.

Precautions for buying insurance for children;

1.As a parent, if the family's financial conditions also allow, they want to give their children a guarantee. You can buy insurance, but only if you understand what type of insurance you want to buy.

2.Don't believe the recommendation of the insurance broker, because the broker recommends the new products launched by the current company, and it is a product with high performance commission, which is suitable for the insurance broker, but not necessarily for you.

3.Find out the relevant information online first, and then look at the online discussion. Finally, take a good look at the contract, don't pay the money first, look at the relevant contract first, and read each one carefully.

4.Plan your family. Some people have just been born, and some people come to sell insurance, so they buy it out of their minds. I don't know what kind of insurance I bought, what kind of insurance, whether it is protection or financial management.

5.After a few years, the family needs to buy a house or have new financial expenditures, and they don't want to continue to pay fees. This situation is more difficult to do.

If you refund it, the loss will be great, and if you don't return it, you don't want to pay again. Therefore, parents who want to buy insurance for their children should make a good family plan before deciding whether to buy insurance for their children.

It is necessary.

Precautions for buying insurance:

1. The child's "insurance" age:

Most children's insurance policies start with 0 years old, but in the insurance industry regulations, this 0 years is not the natural age of the child, it refers to the child who has been born for 28 days;

2. Do not make repeated purchases:

If the children have already gone to school, the school will purchase the school insurance for them, and some units with good welfare will also reimburse part of the medical expenses for the children of employees. Therefore, before parents insure their children with commercial insurance, they must first figure out what protection their children already have, and what gaps need to be made up by commercial insurance.

3. The insurance period should not be too long

For many families whose funds are not particularly abundant, especially when the adult's own pension is not sufficient, it is really unnecessary to consider the pension of children. Therefore, when buying insurance for your child, the insurance period should be appropriate until the age when he graduates from university, after which he should be able to support himself.

It is necessary. Because accident insurance covers accidents not only include major accidents such as traffic accidents that we often think of, but also small accidents such as falls, bumps, burns, cat paws and dog bites. Children are young and more active, and the configuration of accident insurance can give children more comprehensive protection.

I think it's good to buy a little bit for your child, because no one knows what tomorrow will be like, and accidents may happen tomorrow, so whether you are an adult or a child, it's better to be cautious about buying accident insurance, which will be good for us in the future, and if there is any accident in the future, it will be more convenient to have accident insurance.

Of course, critical illness insurance comes first, and accident insurance comes second.

Sycamore Tree Insurance Network will answer your questions

Children's safety awareness and accident prevention ability are poor, and the risk of accidents is very high. According to relevant statistics, accidents are the leading cause of child mortality in China. At the same time, no matter how careful parents are, it is difficult to supervise them around the clock.

Therefore, it is necessary to purchase accident insurance for the child to transfer the loss caused by the child's accident risk.

Accident insurance, ** low, cost-effective, can generally cover a variety of accident risks, to give children a more comprehensive accident protection. Once a child encounters an unexpected risk that leads to disability and death, the family's loss can be compensated for and will not be lost in vain. Therefore, in addition to strengthening the safety education and care of their children, it is also necessary for parents to prepare a comprehensive accident insurance for their children.

When buying accident insurance for your child, you need to pay attention to choosing a product with accidental medical treatment and hospitalization allowance as much as possible, so that if the child is hospitalized in an accident, the hospitalization expenses can be reimbursed, and the nutrition expenses of the injured and the parents' lost work expenses can also be compensated to a certain extent.

Although the cost of accident insurance is low, we should also pay special attention to the premium amount when purchasing accident insurance for our children. The Insurance Law stipulates that the insurance limit for the death of minors under the age of 10 will be increased to 200,000 yuan, and the limit of insurance for the death of minors who have reached the age of 10 but under the age of 18 will be increased to 500,000 yuan. However, the amount of aviation accidental death and major natural disaster accidental death insurance is not included in the death benefit limit.

The risk of accidents for children is much higher than for adults, and it is necessary to buy an accident insurance, if you are still hesitant to buy it for your own children, then I recommend taking a look at this article first【Accident insurance】Whether to buy, how to buy, what are the types, comprehensive analysis, comparative evaluation

Because children are more curious about the outside world, they crawl east and west, and they can also fall on the ground when they walk on the road, and fall and hurt cats and dogs. Data shows that 20% to 40% of children in China die each year due to accidental injuries, become disabled or require medical treatment**. Accident insurance is a type of insurance used to transfer this risk.

>>> long-term or short-term

There are short-term and long-term types of accident insurance.

But whether it is for children or adults, it is recommendedBuy short-term, usually choose a one-year period.

There is no waiting period for accident insurance, and it has little to do with age and physical health.

There is no threshold for accident insurance for physical health, so it is OK for everyone to buy cost-effective products, and there is no need to buy long-term accident insurance with less protection and expensive premiums.

What is most important in >>> accident insurance?

When buying accident insurance for children, you should pay attention to accidental medical treatment.

Because it is too common for children to bump and bump, it is common to run to the hospital, so accident medical insurance is very important, and it is better to have no social security, no deductible, and 100% reimbursement. I have found out such an excellent form of products, parents should come and take a look".The 10 most worthwhile children's accident insurance points!

In general, accident insurance can be said to be a type of insurance with high leverage in commercial insurance. It is not expensive to buy accident insurance for children, and you can buy it for dozens to more than a hundred a year.

The incidence of accidental injuries among adolescents in China is as high as 200,000 children die from accidental injuries every year, accounting for 1 3 of the number of child deaths, and now that the summer vacation is coming, children playing is usually a high incidence of accidental injuries!

The data tells us that it is very necessary for children to buy accident insurance, let's take a look at the popular children's accident insurance collection in 2020, how to buy children's accident insurance?

In addition to how to choose children's accident insurance, when buying children's accident insurance for children,What should I pay attention to?

The first is the scope of coverage, when choosing accident insurance for children, it is best to purchase comprehensive insurance that covers the insurance liability of common accidents in children, such as burns, burns, falls, tracheal foreign bodies, etc.

When the child is a minor, there are not a few children who suffer from accidental scalds and burns every year, and it is a long time and a high cost, and once a burn occurs, it can basically destroy a family.

Secondly, there is a limit to the amount of insurance for children's accident insurance, and the maximum amount of insurance for children's accident insurance can only be insured up to 200,000. There are many parents who want to give their children comprehensive protection and want to buy more than a few more, but due to the limitation of the sum insured, it is not necessary to buy more repeatedly.

For accidental death benefit, the death benefit for children under the age of 10 cannot exceed $200,000, and the death benefit for ages 10-18 cannot exceed $500,000. Critical illness insurance can pay out 1 million, with no upper limit.

The last point is to look at the liability exemption, while the insurance company underwrites, it will also consider the risks it bears, such as high-risk sports, poisoning, altitude sickness, suicide, war, accidents during surgery, etc.

Children are the continuation of family love, every parent wants their children to grow up safely and healthily, in addition to our own care for children, to give children a risk protection, in fact, is also to the family to disperse the risk pressure of a backup protection, we can not predict what will happen tomorrow, prepare for today, together peace of mind waiting for the flowers to bloom.