How to choose your child s insurance to protect your child s health? Teach parents how to configure

Parents love their children very much, and from the time the child is born, the parents take care of the child. In the process of children's growth, they also face a lot of risks. Many parents want to provide a guarantee for their children's health, so they want to configure insurance for their children.

So as a parent, how do you choose insurance for your child? <>

First of all, before buying commercial insurance for your child, you must buy medical insurance for your child. Medical insurance is very practical, whether it is a minor illness such as a cold and fever or a major illness, medical insurance can come in handy. The sum insured of many commercial insurance policies will be set according to whether there is medical insurance or not.

Medical insurance is a welfare policy given by the state to the people, and it allows people to take out insurance when they are sick. Secondly, when buying commercial insurance, you must consider accident insurance first. As long as it is disability or death caused by an accident, the insurance company will pay a large amount of money.

When shopping for accident insurance, it's a good idea to focus on accidental medical liability. <>

Secondly, it is also necessary to purchase a medical insurance. Medical insurance is not very expensive, only a few hundred dollars a year. The role of medical insurance is still very large, and it can reimburse the remaining expenses of medical insurance.

Although medical insurance can reimburse a large part of the cost, there are some medications and ** expenses that are not covered by medical insurance. This is where Medicare comes in handy and can reimburse these expenses. So with medical insurance and medical insurance, you don't need to spend too much money to see a doctor.

Then, parents can also consider critical illness insurance when buying insurance. There are many critical illnesses that children are prone to, which are also covered by critical illness insurance. Once a child suffers from a serious illness and parents need to spend a lot of time with their children, then the family's income** will be cut off.

If there is coverage for critical illness insurance, the insurance company will pay a large amount of money, with which the family can support the normal life. At the same time, the child not only needs to be a**expense, but also needs a large amount of **expense.

Deep Blue Insurance teaches you how to plan children's insurance!

First of all, you must buy a critical illness insurance for your child, so that you can protect his future, and then buy an appropriate education insurance to protect your child's future education, not too much, just handle it according to family finances.

First of all, you must buy medical insurance for your child, medical insurance is a national welfare policy, **cheap, whether it is a major illness or a minor illness, you can use it, and secondly, you can buy accident insurance, medical insurance, etc. for your child.

To protect children's health, the first thing that should be considered is accidental injury insurance, which has become a hidden danger affecting health. Conditional re-purchase of critical illness and health medical insurance. In this way, the child's health is worry-free.

Xueba talks about insurance, and teaches you to choose the best insurance for your child! Comparison table of 136 hot-selling critical illness insurance for minors, click to claim now, I believe it can help you.

There are many insurance products that babies can buy, as long as you do your homework and see your needs, you can buy the right products at a low price.

Buy expensive or not right" This is a common problem for many parents when buying insurance for their babies.

In order to allow parents to avoid the pit efficiently, I directly threw out the children's insurance of the huge pit, you look at it.

Top 10 [Not Worth Buying] Children's Insurance ** Points!

Before buying insurance for a child, we must know which plans are mandatory and which are not. This saves time and doesn't waste money.

Order of purchase:Children's Medical Insurance, Accident Insurance, Critical Illness Insurance, Medical Insurance

The following types of insurance are based on the premise that children's medical insurance has been purchased, and children's medical insurance includes urban and rural residents' medical insurance, New Rural Cooperative Medical System, etc., which can be consulted with the local social security department.

So, parents who have not purchased children's medical insurance for their babies should go!

1.Remember the principle of "adults first, children second"!

For children, the protection of insurance is far less powerful than that of parents. Parents are in good health, and all accidents and illnesses have a solid backing. In case the parents fall, the family will become a source of water.

2.The sooner you buy, the better it gets

Generally speaking, the younger the child, the cheaper the payment and the sooner the child will be covered.

3.Carefully discern whether there are pitfalls in the insurance contract.

I have talked about this knowledge point in detail, and if you don't understand it, you can make up for it! Click below:

[Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance

Accident insurance

One-year, consumption-based accident insurance is preferred.

Preferably for accidental medical treatment. If you choose to insure accident medical treatment, you can also get 0 deductible, 100% reimbursement, and medical expenses outside social insurance.

Critical illness insurance

The sum insured should be sufficient, at least 500,000.

Preferred Lifetime Multiple Claims Critical Illness Insurance.

Whether the high-incidence diseases are fully covered and whether the insurance amount is sufficient.

Medical insurance

Whether the renewal conditions are set excellent: the rate will not be increased due to changes in physical health status.

Whether it is hot or not: It is less likely that the popular million-dollar medical insurance will be discontinued.

Is there an advance payment for medical expenses: so that you don't have to pay out of pocket.

Zero deductible: Preferably with a cancer deductible for critical illness.

The healthy growth of children is the most concerned issue for parents, and they want to configure good insurance for their children, but they don't know what to do, it is recommended to configure four types of insurance: children's medical insurance, children's critical illness insurance, children's medical insurance, and children's accident insurance, and the protection is relatively comprehensive, and the cost will not be very high. Parents who don't know how to buy insurance for their children can take a look at this article firstHow do I buy insurance for my child?

1.Children's health insurance

Before purchasing commercial insurance, it is recommended to configure children's medical insurance for children, which can be handled when the child is born, and is the basic security given by the state to everyone.

2.Children's Critical Illness Insurance

It is income compensation insurance. The probability of children's frequent critical illness is not low, and children's critical illness insurance can bear the best expenses to ensure that children can be treated in time, and also compensate parents for the economic losses caused by taking care of their children to a certain extent. And the sooner you buy this type of insurance, the lower the premium, and you can invest in a protection when the child is still young.

Top 10 cost-effective critical illness insurance for children

3.Children's medical insurance

Children's illness is a headache for parents, and children's physical resistance is relatively poor, and they will often have small colds, sore throats, etc., which are troublesome and costly. The cost of a minor illness like this is also a large expense when it accumulated, and small medical insurance can solve the medical reimbursement problem related to minor illness, which is cost-effective.

Top 10 Best Small Medical Insurance Recommendations for Children!

4.Children's accident insuranceThe 10 most worthwhile children's accident insurance points!

As a parent, the first thing to consider is the healthy growth of the child, among which critical illness insurance, medical insurance, and accident insurance are more suitable for the child.

Depending on the needs of the individual, the needs of each family are different, and you still need to understand them before you can give appropriate advice.

A good insurance plan is indispensable for critical illness, accident, and medical treatment, and no one is complete without any of them.

You can buy education insurance for your child, but please strictly follow the above one and don't put the cart before the horse.

Before buying insurance for children, parents should buy enough insurance first, and it is very dangerous to only buy insurance for their children without protection.

Please add "premium waiver insurance" to the child's insurance, once the policyholder incurs the insurance liability specified in the clause, the premium does not need to be paid, and the child's insurance liability still exists.

The greatest value of insurance is to prevent risks, don't be superstitious about participating insurance, the wool is out of the sheep, and the premium you overpay is equal to the dividend.

Protect first and then manage your finances, and I can help you if you need it.

Big Kids Insurance Services helps you design.

Hello this friend, children are prone to accidents, so it is necessary to buy insurance to avoid risks.

If you don't know how to help your child configure insurance, you can take a look here: "The Most Complete Guide to Children's Insurance: You Don't Have to Follow the Trend to Buy Insurance Next Time".

What insurance do children need?

1. Children's medical insurance.

Children's medical insurance** is cheap and has a low insurance threshold, and parents do not ask about health conditions, so parents recommend that parents buy them for their children.

2. Medical insurance.

In view of the high risk of children's diseases, you can consider configuring commercial medical insurance for children, because although children's medical insurance can also be reimbursed, the reimbursement ratio and amount are limited.

Once the injury is relatively large, the reimbursement of children's medical insurance is not enough.

It is best for qualified parents to configure a commercial medical insurance for their children as a supplement to children's medical insurance and protect their children at night.

3. Children's critical illness insurance.

Although the probability of such risks is relatively low, once they occur, the damage to the family is enormous.

Therefore, such significant risks must be specifically protected to ensure that the risk can be fully passed on to the insurance company.

If the child has commercial medical insurance, the medical insurance will reimburse the medical expenses of the critical illness, but the follow-up care, nutrition and other expenses are also more burdensome for the family.

The amount of insurance for children's critical illness insurance should cover the cost of children's critical illness** and nutrition. Daddy has sorted out how to choose the amount of critical illness insurance for children from different families, and it has already been posted on Daddy's WeChat***, and you can see it if you pay attention.

4. Children's accident insurance.

It is normal for children to love to play and make trouble, and the biggest feature of the risk of accidents is that they cannot be **, so it is necessary to configure an accident insurance for children.

And since the main risk of the child comes from accidental injury, it is best to include accidental medical protection in the accident insurance configured for the child.

Dad concluded that insurance should be configured according to the actual situation, and it needs to be configured gradually, and what others think is good and recommended may not be suitable for your child.

One is the small accident outpatient medical insurance, the child is small, and in the process of growing up, it is inevitable to bump and bump. Children's resistance is low, colds and fevers occur from time to time, and small accidents Outpatient medical insurance is very practical.

The second is critical illness insurance, which has financial conditions, chooses to be lifelong, and the amount of insurance is limited, up to 200,000, and the child will be insured when he becomes an adult. If you don't have enough budget for the time being, you can choose short-term critical illness insurance for 20-30 years, and then apply for lifelong critical illness when your child reaches adulthood.

Generally speaking, for children, small accidents, outpatient medical insurance + critical illness insurance, it's OK.

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

Generally, it is cost-effective for children to buy insurance, and the premium is low at a young age. But no product is perfect, so several are often paired together to achieve a real guarantee. The common form of parenting is critical illness insurance (which will include some minor illnesses and will be guaranteed for life) + accident insurance + medical insurance.

As for product recommendations, it depends on your needs before you can make a personalized plan.

In addition, insurance is a tool to avoid risks, and the first role should be protection. If you want to use it for financial income, it is recommended not to buy insurance products (the benefit is not high).

1. Children do not need to buy life insurance.

Life insurance is an insurance that is conditional on the death of the insured, and is usually used to transfer the economic risk caused by the death of the insured, so it is generally more suitable for the allocation of family economic support.

Since the child does not have to bear the expenses of the family, there is no need to configure life insurance for the child. The insurance that is more suitable for children generally includes children's medical insurance, critical illness insurance, medical insurance, accident insurance, etc., and parents can choose according to their actual needs.

If you don't know a lot about life insurance, you can also take a look at this information:In-depth analysis: What is life insurance? What does it do? Good no good?

2. Try to choose products with policyholder exemptions.

Waiver means that when the policyholder has a contractual circumstance, the remaining unpaid premiums can be waived and the protection is still valid.

Before the child is independent, the premium of the policy is still borne by the guardian, and with this protection, the policy lapse can be avoided to a large extent.

If you still have any questions about the premium waiver, you can also take a look at this article:

Is it good to waive the premium, and do I have to choose it when buying insurance?

3. Follow the principle of "adults first, children second".

Parents always want to give the best to their children, and the same is true when it comes to configuring insurance. Many parents only care about the insurance for their children, but ignore their own protection.

However, parents are the child's dependence, and the premium of the policy needs to be borne by the parents, if the parents fall, the child's policy may also become invalid due to the discontinuation of payment.

That's all for the questions, if you want to know more tips on buying insurance for your child, you can also take a look at this insurance guide:In-depth article - How to buy insurance for children? Netizens shouted: Why did you only see it nowHope.

Xueba said that insurance only helps families who really want to buy insurance for their children! This year, the comparison table of 136 hot-selling children's critical illness insurance has been updated, click to claim now, I believe it can help you.

How to buy insurance for your child

First, the country's medical insurance must be handled!

Newborn medical insurance (medical insurance for urban and rural residents) is a national basic insurance, and the child should be handled immediately after birth, 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, the three types of commercial insurance, critical illness insurance + medical insurance + accident insurance, should be configured together after handling medical insurance.

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, in addition to solving the best expenses, it can also solve other associated problems, 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 the future.

Let's talk about medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, with an annual premium of one or two hundred yuan, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, let's talk about accident insurance, children's accident insurance is particularly cheap, 200,000 insurance is only 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, cost-effective and practical.

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

has been introduced in detail, because it has been written in detail in the manuscript, so I won't spend too much time introducing it here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, 1000 yuan per year can be fully configured, if you buy lifelong protection, it is only two or three thousand per year, which is quite cost-effective.

That's all for me"How to choose insurance for your child"