What should I pay attention to when buying children s insurance?

Children's insurance is mainly an accident insurance and a critical illness insurance, there will also be school insurance in the school, it is best to match a targeted accident insurance is more perfect, critical illness insurance is because the sooner you buy the more cost-effective, if the budget is enough, you can configure a medical insurance, about 100,000 is enough, so that all the risks in the process of our baby's growth are fully protected, accident insurance, AIA's Anyi accident insurance, additional outpatient medical and hospitalization subsidies, critical illness insurance, Recommend AIA's Quanyou Care, and medical insurance can be configured with AIA's Smart Kanghui. Hope mine can be helpful to you.

As a special group, children's demand for insurance is also different from that of ordinary adults, so buying insurance for them needs to combine the needs and particularities of children themselves

1.Pay attention to the sum insured.

As mentioned earlier, there is no need to set the amount of children's insurance too high, because no matter how high it is, even if the insurance company is in danger, it will only pay 20.5 million insurance benefits stipulated in the Insurance Law.

Therefore, it is enough to buy insurance for children, and the maximum amount of insurance can be set at 20 500,000.

2.Be aware of the high incidence of diseases in children.

When parents buy critical illness insurance for their children, they should pay special attention to the high-incidence diseases of children, because children's critical illness insurance is different from adult critical illness insurance, and it should cover more children's high-incidence diseases, so as to play a role in targeted protection.

Daddy has prepared a list of children's high-incidence critical illnesses**, as follows.

3.Adults first, children second.

Parents should pay special attention to when buying insurance for their children, they should think clearly about whether their own insurance is fully equipped, and do not rush to buy insurance for their children when their own insurance is not fully equipped.

Children are the hearts and minds of parents, and many parents will choose to configure some insurance products for their children in order to give their children more adequate protection, but we need to pay attention to the following points when configuring insurance for children.

1. Adults first and then children.

Many parents only care about the allocation of insurance for their children and ignore their own protection, which is not right. Parents are a safe haven for children, if the parents fall, the whole family is basically difficult to maintain a normal life, let alone configure personal protection for children, so this is also the meaning of adults to buy insurance first, and children to buy insurance later.

2. Protect first and then manage your finances.

In fact, whether it is a child or an adult, when we buy insurance, we should follow the principle of protection first and then financial management.

For children, it is more important to give priority to the allocation of protection insurance, such as critical illness insurance, accident insurance, and million medical insurance. After configuring these protection insurance for your child, it is not too late to consider insuring some insurance products with financial management functions for your child when you have spare money on hand.

3. It is not recommended to buy term life insurance for children.

The value of term life insurance is mainly to transfer the economic risk brought about by the death of the family's economic pillar, and it is generally the family's economic pillar who buys term life insurance, and for children, there is basically no financial responsibility for the family, so it is not recommended to buy term life insurance for children.

Finally, the senior sister will give you parents who don't know how to buy insurance for their children, and send an insurance strategy: in-depth good article - how to buy insurance for children? Netizens shouted: Why did you only see it now.

Hello! Accidents and illnesses are risk factors for children, and parents are increasingly concerned about the protection of education. The medical expenses caused by children's accidents and illnesses are easy to burden a family, and the cost of education is getting higher and higher.

Due to the imperfection of China's children's medical insurance system, many parents who can afford to afford to buy insurance for their children must do a good job of protecting their children. How to make a children's insurance plan? The decision should be made based on the child's circumstances and specific needs.

1. Children's Accident Insurance - Protective Children's Insurance; Buying this type of insurance does not mean that you can not worry about the safety of your child from now on, it is just that you can get some financial help and compensation after the child has an accident. 2. Children's health and medical insurance - protection children's insurance; Critical illness insurance is cheaper the insurance premiums the younger the age at which they are issued. In the past, many companies required critical illness insurance to be over 18 years old, but now children under the age of 16 can also purchase this type of insurance.

3. Children's education savings insurance - savings children's insurance; At present, many insurance companies have launched educational insurance designed together with education** and child death protection, compared with simple investment channels such as savings, the purchase of educational insurance has an additional layer of protection function. In addition, the purchase of insurance can also achieve the purpose of reasonable tax avoidance to a certain extent.

4. Children's investment and financial management insurance - investment-type children's insurance. As a newly launched type of insurance, insurance company salespeople usually encourage parents to try to buy it, although this insurance coverage is more comprehensive, parents still need to consider the actual needs before applying for insurance, especially whether to consider whether to buy repeatedly.

When buying insurance for children, you should pay attention to the following key failures:

1. The purpose of the insurance is to prevent non-financial risks that will seriously affect the family's goals or even collapse instantly;

2. So far, insurance is the only tool to deal with such risks;

3. To buy insurance for children, life insurance is not the primary type of insurance;

4. Children's health problems are the most affecting on the family's financial arrangements. Because once you get sick, even if you go bankrupt, you will do your best as a parent.

Many parents will consider buying an insurance for their child after the birth of their child, so how to buy it to give their child more comprehensive protection? For this reason, I have written an article to answer the question of how to buy insurance for your child:In-depth article - How to buy insurance for children?

Netizens shouted: Why did you only see it now.

Next, let's talk about the issues that should be paid attention to when buying insurance for children:

1.Priority is given to children's medical insurance, followed by critical illness insurance, medical insurance, and accident insurance

In addition to configuring basic children's medical insurance, the allocation of children's insurance should also focus on children's health and accident protection.

Critical illness insurance is essential for children. A critical illness is at least 300,000, plus the income lost by parents because of taking care of children, it is difficult for ordinary families to bear, if there is a critical illness insurance at this time, these losses can be compensated. So how to buy critical illness insurance for children, this popular critical illness insurance comparison table may wish to find out:

A comparison table of 136 popular children's critical illness insurance in China

The role of medical insurance is to supplement children's medical insurance, you can buy millions of insurance for a few hundred yuan, and the cost performance is super highUltra-complete! Comparison table of popular medical insurance in China

Accident insurance is the most basic insurance, children are lively and active, and are most prone to accidents, such as falls and burns, so an accident insurance is essential.

2.Adults first, children second.

If adults are not protected, children cannot be protected. If adults fall down due to accidents, illnesses and other reasons, the family economy will be seriously damaged, not only need high medical expenses, but also seriously reduce family income**, children's lives will lose economic security, and it will be difficult for children to obtain high-quality living and education conditions in the future.

3.Protect first, manage later

Many parents will buy a lot of financial insurance for their children, which is not right, to buy insurance for children should return to the essence of protection, to do first protection and then financial management, the basic protection is not in place, financial management is useless.

4.Select the policyholder waiver

When applying for critical illness insurance for your child, be sure to choose a parental waiver. It is important to ensure that the child continues to be covered by insurance if the parent becomes incapacitated due to death, total disability or serious illness.

When buying insurance for children, you should pay attention to the following three aspects.

1 Protect the adults first, then the children

Because children are young and do not have a labor force, they need to be completely dependent on their parents. Therefore, in terms of insurance, it is recommended to protect adults first, and then consider children.

2 Protect first and then manage your finances (education fund).

To buy insurance for children, you must protect your money first and then manage your finances (education funds), and allocate insurance reasonably.

3 Life insurance is not recommended for children

Life insurance is mainly used as the breadwinner of the family. In the event that the pillars of the family fall, the family will still receive a sum of money to keep their lives running. And children do not have a good labor force, so they are not just needed.

Considering the possibility of children with low immunity and susceptibility to illness and serious illness. In addition, they are active by nature, and are prone to common children's accidents such as falls, burns, and sharps.

ThereforeAbout the insurance of the child, this sub-placement is recommended.

Updated every Monday! [0 18 years old] Top 10 small medical insurance points worth buying!

Top 10 cost-effective children's critical illness insurance in 2020

The 10 most worthwhile children's accident insurance points!

The specific situation needs to be based on the family's financial situation and planning.

Finally, I wish the child a healthy growth!

Buying insurance for your child can be done for a few hundred dollars a year, but remember these three points! First, don't buy life insurance for your children; Second, don't buy a return type; Third, if you don't have enough budget, buy term critical illness insurance.

Buy insurance for your child and avoid these pitfalls first!

Xueba says insurance, only recommend insurance that is really useful for children! This year, the comparison table of 136 hot-selling juvenile critical illness insurance has been updated, click to claim now, I believe it can help you.

How to buy insurance for your childThis problem makes many parents have no idea where to start, so let's sort out the methods and ideas for buying insurance for their children! Keep these three points in mind:

First, medical insurance is essential, especially for children!

After the child is registered, the first thing to do is to complete the medical insurance. Regardless of whether it is a major illness or a minor illness, basic medical insurance is particularly important, so it is necessary to apply for medical insurance for children.

Second, after running medical insurance, it is necessary to consider fully configuring commercial insurance, and it is recommended to give priority to critical illness insurance + medical insurance + accident insurance.

Let's start with critical illness insurance, which provides coverage for as long as possible. In addition, critical illness insurance can directly pay a large amount of cash after getting sick, in addition to solving the best expenses, it can also solve many hidden problems caused by illness, such as falling behind because of illness, or some irreparable losses in subsequent life, all of which require a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems.

In addition, medical insurance can be used to reimburse the medical expenses of children's usual medical treatment, for example, a 0 deductible hospitalization medical insurance, with an insurance amount of 10,000 yuan, which is only 1,200 yuan per year, which is cost-effective and practical.

Finally, to configure an accident insurance, children's accident insurance is very cheap, 20w insurance amount only needs sixty or seventy yuan per year, you don't see that the money is not much, but in fact, the protection is quite extensive, accidental death, disability, accidental medical liability are within the scope of protection, and the cost performance is quite high.

Third, is there any insurance that I should not buy for my child?

Don't give your child life insurance, and try not to consider critical illness insurance with both liabilities attached. The specific reasons I know are in this answerHow to buy insurance for your child without being cheated? This guide tells you!

has been introduced in detail, because it is very detailed in the manuscript, so I will not waste time here.

According to the above insurance ideas, if you are configuring regular protection for your child, you can configure it comprehensively for 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is cost-effective and practical.

That's all for me"What should I pay attention to when buying insurance for my child? "

With the improvement of insurance awareness, many parents want to buy an insurance for their children, so what do you need to pay attention to, this article explains several precautions in simple terms:In-depth article - How to buy insurance for children? Netizens shouted:

Why only now to see

Here are a few basic points to note:

1.Adults first, children second. This is the most basic principle, many parents only buy insurance for their children, but they have no protection, which is very wrong.

In fact, parents are the most powerful protection for their children, and only when parents do a good job of protection can they protect their children more securely and stably.

3.Protect first, manage later: Many parents will buy financial products such as education funds for their children, which is not impossible, but the premise must be that the basic security is sufficient.

After all, the original intention of buying insurance for children is to protect them.

4.Policyholder waiverIf the parent dies, is totally disabled or suffers from a critical illness, the remaining premiums can be waived and the child can continue to be protected.

So what kind of commercial insurance should children buy, I recommendCritical illness insurance + medical insurance + accident insuranceAfter all, children have poor immunity and are prone to illness, and critical illness insurance and medical insurance can cover medical expenses; Children with a lively nature are also prone to scratches, burns and scalds from cats and dogs, and accident insurance can provide protection.

In order to ensure the healthy growth of children, I have made a super comprehensive comparison table between critical illness insurance and medical insurance in the market, hoping to help you:A comparison table of 136 popular children's critical illness insurance in China