How does the mother buy insurance for the newborn baby, and how can she not be fooled?

With the enhancement of everyone's awareness of insurance, many people think of buying insurance for their babies after their children are born, which is also to give their children more protection.

1. What is the original intention of adults to buy insurance for their children? That is, why should you buy insurance for your child.

1. Let's take a look, after the child is born, the most important thing for adults to consider may be the child's illness, which includes two aspects: daily diseases and major diseases.

2. The safety of children, the most important thing is accidental injury, which sometimes leads to very serious consequences; Other injuries include injuries caused by falls and falls.

3. Children's education guarantee.

Based on the above considerations, I believe that the order of buying insurance for children should be: accident insurance, medical insurance, and children's critical illness insurance. On this basis, if there is still spare money in the family, you can consider the performance of purchasing education funds.

2. Several misunderstandings to avoid when buying insurance for children.

1. It is the most serious misunderstanding to buy only for children and not for adults. You must know that adults are the economic ** of the family and the pillar of the family; If an adult falls and the family lacks a breadwinner, the family will immediately fall into trouble. At that time, even livelihood may be a problem, let alone caring for other aspects of the child.

2. The cumulative sum insured is excessive. When we enrolled our children in the domestic medical insurance, the children already enjoyed the basic medical insurance benefits, including general outpatient services and serious illness insurance benefits. So before buying commercial insurance, you should find out what protection your child already has, and what gaps need to be made up by commercial insurance?

Do not accumulate purchases.

May every child grow up safely, healthily and happily.

Why do you mention the word fooled? The reason for this is that some people think that they are buying a red Fuji apple before buying it, but after buying it, they find that it is a green apple or even a pear, which is terrible.

Rational analysis of the connotation of buying insurance and feeling fooled is roughly divided into several situations:

First, there is an illusion of the scope of protection. I bought an insurance policy and I thought all the coverage was sufficient, but I actually only bought one accident insurance. Medical hospitalization, major illness, etc. have nothing to do with him.

The reason for this is largely related to the professionalism and service level of the insurer. Do you have a comprehensive insurance plan with your clients when you are planning? Is it clear to the customer that different product types have different responsibilities?

In this way, there will not be a situation where the customer buys a wealth management insurance and goes to the hospital to make a claim, and the insurance company says that this does not meet the claim requirements, and then the customer says that I have been fooled.

Second, it doesn't match expectations or feels that it shouldn't be so in the future.

Third, there are also those who have been really fooled, after all, such a big industry, there is no guarantee that every person is professional and from the perspective of customers.

So how not to be fooled? Here are a few ways to start:

First, it is very important to find a professional person, professional and professional. This determines whether the plan she makes is from the customer's point of view, whether it meets the customer's needs, and whether it takes into account the customer's overall insurance needs. The most important thing is that the conclusion of the insurance contract is the real beginning of the first-class service, and it is very, very important for a professional and qualified person to provide you with high-quality services in the future.

Second, we must have a correct understanding of the insurance demand, and do not doubt the use of people, and do not use the doubtful. When is the best time to buy insurance, 90 days before illness, right now and immediately, which one do you choose?

3. Maintain close contact with the first person, regularly review the policy configuration, and communicate and adjust the allocation in a timely manner when there are major changes in the family.

A good insurance configuration is not just about buying a product, but about a good consultant, the good service she brings, and your common growth.

1. Choose large insurance company products with good reputation;

At present, insurance companies in China are not allowed to go bankrupt at will, and if they want to file for bankruptcy, they must also be accepted by other insurance companies. In general, the risk of bankruptcy is not very high. However, try to choose a larger insurance company.

In addition, for the selection of products, it is also necessary to plan according to their actual situation.

2. Choose a professional insurance consultant, not for utilitarianism, but only for functions to meet needs;

In the past, there were many insurance advisors who only considered maximizing their own profits when selling products, or simply recommended generic products from insurance companies. Instead of starting from the customer's point of view, to customize the most suitable plan for the customer and choose the most suitable insurance. Therefore, mothers must find the right professional when buying insurance for their babies.

3. Portfolio planning of medical insurance and critical illness insurance

a.Medical insurance must include the protection of the hospitalization part, this part is the bulk of the baby's medical expenses, usually the baby's disease cost is not high to the extent of hospitalization, and the product rate of medical insurance with outpatient and emergency protection is much higher and this kind is not recommended;

b.The accident medical part should be selected according to the specific situation, such as the baby's living environment is single, only staying at home or in the community, the probability of accident is much lower than frequent travel, and the purchase can be postponed as appropriate;

c.In the case of critical illness insurance, when the rate difference is not large, priority is given to products with special protection for children, rather than simply purchasing general critical illness products;

d.Don't choose a single.

1. For large and comprehensive insurance products, it is more appropriate to choose the way of insurance portfolio configuration with special functions, both in terms of function and rate.

Insurance has been slowly entering everyone's life, and its starting point is actually good, to make a guarantee for the future. Before the birth of the child, most mothers have begun to think about the issue of baby insurance, as a mother in the case of sufficient conditions, they hope to give the baby the best protection. There are many types of insurance on the market, and there are many unreliable companies.

First of all, make a rational choice according to your family's financial situation and needs.

1) Because insurance needs to be paid continuously for several years, you need to consider your financial situation and whether it can support it;

2) It is estimated that when the baby just came out, all kinds of insurance** came to the door, whole life insurance, accident insurance, critical illness insurance and other various insurances. It is best to choose a large insurance company (there is nothing wrong with choosing a big name, even if sometimes his amount is not as high as that of other small companies, always remember that the wool is out of the sheep), a reliable insurance person.

Secondly, what kind of insurance do newborns need? <>

1) The most important thing to buy is: children's medical insurance, the first 3 months after the baby is born, you can enjoy medical insurance from the day you are born, and now you can't afford to go to the hospital without medical insurance.

2) Commercial insurance. Insurance ** people generally sell a lot of inexplicable and wonderful insurance, such as life insurance, with critical illness insurance, which is quite high. In fact, for newborns, life insurance is unnecessary, newborns need protection, so personal advice is that critical illness insurance is necessary, if the budget is sufficient, you can also buy accident insurance and medical insurance, and if the family income is relatively high, you can also buy an education for the baby**.

Others are not necessary for the time being. <>

In short, if the budget is sufficient, it is good to buy on demand, and find a good insurance company and insurance person.

Bao's mother's mood is really easy to understand, because I also started as an insurance consumer, had the initial experience of buying insurance, and then understood the process of entering the insurance industry. Although Meng Meng Yuan has not yet given birth to a baby, the psychological state back then is really too similar to the state of the subject's mother. At first, I was so worried, I was afraid that I would be fooled, and I didn't know what to choose.

When buying insurance, because I don't understand insurance, and because there are too many products in insurance categories, I can't find the direction at all. I'm really worried about a field I don't know anything about. Nothing is right, if you meet an unreliable person, the possibility of being fooled and cheated is really great!

In addition, the terms of the insurance are also a lot of details. I feel that if I am not a professional, I can't do it at all, and I don't know if it will really work in the end after buying insurance. It's not that I'm reluctant to give up money, but I really don't know how to choose, and what to do with follow-up services.

So, under a calm and rational analysis. At that time, I found that I didn't know enough about insurance and couldn't find a professional, which became the two most basic factors for me to be suspicious of insurance. So how do you break it?

At that time, like the current subject's mother, I also chose to look up some basic information on the Internet. Because I have a very strong self-learning ability, I quickly understood the basics of insurance. At least I knew itBut there are still many questions that have not been answered.

And there is everything on the Internet, I am not a person in the professional field, and I have no way to identify.

In addition, at that time, I just needed to buy insurance, not to become a professional insurance person. I don't need to study insurance so deeply, just looking at some basic knowledge has already consumed a lot of time. So, the best way for me to do this is to find someone who can help me analyze it, and then I can make a quick decision.

So, in the later process, I determined my own insurance ** person through communication. I'm not interested in the product itself, nor do I want to compare products, which will only waste more time and energy. All I want to do is find the right person, professional person to help me find the best product for me.

So the subject's mother doesn't have to worry too much, not all insurance ** people are fooling others. For professionals, the cost of flickering is much higher than the cost of professional services. Find the right person, in fact, everything is fine!

The subject's mother grasps her own points, and it's good to grasp the big and let go of the small. As for more questions about how to choose an insurance person or an insurance company, Meng Meng Yuan will analyze it step by step in the follow-up article. Mengmeng will answer your questions from the perspective of a real consumer!

1.Buy as you go.

There are various types of baby insurance, mainly for accidents, critical illnesses and medical treatment, etc., so it is recommended that parents do not blindly follow the trend when buying products, because the risks faced by each baby are different, so parents in the choice of baby insurance, it is recommended to consider comprehensively according to the actual situation of the baby, to ensure that the product selected is suitable for the child, so as to obtain accurate protection and play the protection function of insurance.

2.The sum insured is reasonable.

When parents buy baby insurance for their children, they should also consider the amount of insurance, the insurance regulatory commission for the purchase of accident insurance for babies is limited, and the accidental death shall not exceed 200,000 yuan, and parents do not need to overpurchase the product, otherwise the gains outweigh the losses; When parents buy critical illness insurance for their babies, it is recommended that the insurance amount is not less than 300,000 yuan, such as the leukemia that often occurs in infants, and the cost is hundreds of thousands, or even millions, so the insurance amount is too low to play a role in protection, so it is recommended that parents reasonably arrange the insurance insurance amount.

3.Be clear about the terms.

Different baby insurance products, the insurance clauses have their own merits, so when parents buy products, the insurance liability and exemption clauses in the insurance clauses can not be ignored, and it is not clear to consult to prevent disputes during subsequent claims and unnecessary losses.

4.Premium payouts.

Parents will plan the premium expenditure before purchasing infant insurance, because it is directly related to the basic life of the policyholder's family, and there are differences in the premiums of different products, it is recommended that no more than 5% of the total family income, among which the financially prosperous family can appropriately increase the premium expenditure, and the financially tight family can also choose the necessary products to reduce the premium support, which needs to be decided in combination with their actual economic situation.

In the market, there are many types of baby insurance, it is recommended that parents buy insurance for their babies, do not blindly follow the trend, there is no best insurance, only the most suitableIt can be considered according to the actual situation of the baby and the family situation

It is actually not difficult to buy insurance for a newborn babyFirst of all, the most important thing to buy is the national children's medical insuranceThis is simply a benefit for Chinese families, and the premium is not high.

However, a children's medical insurance cannot provide comprehensive protection for babies and their families, and commercial insurance should be added, such as critical illness insurance, million medical insurance and accident insurance.

Critical illness insuranceTo protect the occurrence of critical illness and the diagnosis of critical illness, the insurance company will pay a sum of money directly. If the baby is seriously ill but has no money**, it must be very devastating, and critical illness insurance avoids this problem. Nowadays, there are many critical illness insurance policies that are specifically designed for children, and if you want to be cost-effective, you can directly look at this list:

Top 10 [cheap and high-quality] children's critical illness insurance in 2020

Million Medical InsuranceIt is a large amount of medical insurance, which can be used as a supplement to children's medical insurance, which is 100% reimbursed, and the scope of application is much larger than that of children's medical insurance.

Accident insuranceIt is also very important to protect the baby, and when the baby is older, he begins to crawl, walk, run, and begin to explore the world curiously, it is easy to bump and be easily injured. Accident insurance is paid once a year, and the premium is not high, but it is worth buying the right one:The 10 most worthwhile children's accident insurance points!