What kind of insurance is better for one year old children, and there is already rural cooperative m

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages

You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insurance

If you are in the teenage stage (0-20 years old), choose critical illness insurance, medical insurance and accident insurance

How do I buy insurance for someone under 20 years old? In the first 20 years of life, in the period of physical and mental growth and development, illness is inevitable, and it is for this reason that it is usually recommended that this part of the small partner configure a medical insurance, which can be used as reimbursement and compensation for medical expenses; In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so it is also necessary to purchase accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

If you are in the growth stage (20-30 years old), it is recommended that you buy critical illness insurance, accident insurance, and medical insurance

How do you buy insurance in your 20s? 20 years old 30 years old, is the stage of family pillar inheritance, at this time the body is young, the spirit is good, there is no financial pressure of mortgage and car loan, but in case of serious illness, there is not a lot of savings, so it is recommended to buy short-term critical illness insurance + one-year accident insurance + million medical insurance, the premium is actually quite cheap, a month is only a few dozen, it can be considered, in line with this age group friends can see the senior sister beforeHow to buy a good deal of insurance in your 20s

You can take a look at this article.

For those in their 30s and 50s, my recommendation is to buy critical illness insurance, life insurance, accident insurance, and medical insurance

What kind of insurance is best for individuals in their 30s? At this time, buying insurance is more for your family than yourself. Middle-aged people are under the pressure of work and life, and as they get older, the probability of illness is also increasing, critical illness insurance and medical insurance can provide adequate protection for illness; If an accident happens, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

Friends who meet this age group can watch before the senior sisterWhat kind of insurance is best for individuals in their 30s?

As for how to choose the right insurance, don't spend too much money, the key is to choose the right insurance product.

"What kind of insurance is better for one-year-old children, and there is already rural cooperative medical care"Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

The specific recommendations for insuring your child are as follows:

1.When buying insurance for your child, you should first consider whether the adult is adequately protected, and don't put the cart before the horse.

2.Don't ignore local insurance policies, such as whether there is medical coverage for the elderly and the young.

2.Children's insurance, based on the basis of protection, then talk about education funds.

3.In terms of protection, accidents, critical illnesses, and medical treatment must be considered.

4.There are three types of children's insurance in the market: dividend, universal and investment-linked, and it is recommended to choose the first two.

5. Insurance planning, do what you can, don't deviate from the reality of affordability, then it is not insurance. Best, solve whatever you can? Don't aim for a one-step solution.

6.Remember the additional exemptions!!

6.Buying insurance for your children, don't plan too much for a rainy day, and plan your life, which is very unrealistic. Treat it rationally and do what you can. You can set short-term, medium-term, and long-term financial goals, but if you don't ask for them all, reverse the order, and it will be a mess and a waste of money.

7.First of all, we must clearly understand the above needs and rules, and then select a qualified ** person, which is very important and very important, and then choose an insurance company.

It is recommended to communicate with ** people in detail and verify with multiple parties, after all, face-to-face communication is the most practical and effective way.

Hello! Since you already have rural cooperative medical care, it is best to improve your commercial insurance.

In terms of specific types of insurance, there are several types of insurance that are more suitable for your child's protection needs: such as children's accident insurance, children's critical illness insurance, children's medical insurance, etc.

As far as the situation of each type of insurance is concerned, since children's accident insurance and medical insurance are mostly one-year protection plans, which need to be renewed in a timely manner, it is recommended that you can choose some card-type children's insurance that is more convenient to apply for and has relatively affordable premiums.

As for children's critical illness insurance, it is more appropriate to consider choosing some longer-term insurance with a certain savings function, and then provide children with necessary critical illness protection, as well as a certain amount of education fund savings.

China Life Children's Education Insurance has an annual payment of 9,500 with an insured amount of 100,000, and the detailed terms can be called to the marketer to give you a plan.

Didn't your insurance ** person give you a specific introduction? Mainly talk about how much to pay, what to protect, how long to insure, how to compensate for these understanding, then almost understand.

How to buy a newborn? Rural cooperative medical insurance newborns, you can only buy it after you fall into a stupid smile, no matter if you don't have a name on the hukou, you can't buy it, so you can buy a hukou on the way to get a hukou with a medical insurance.

Newborns to apply for urban and rural residents' medical insurance, first, give the newborn Xinyin baby a good name, and bring the original ID card of the guardian of the household registration book to the township of Blind Tanpei Town to handle the registration of urban and rural residents' medical insurance.

The child also has to buy rural cooperative medical insurance, which should be given to the newborn first, Cha Yu took the child's household registration book and the parents' ID card Jing Yu to the medical Liang no roll therapy department to buy medical insurance.

If you want to buy insurance for your 1-year-old child, the senior sister recommends buying critical illness insurance, medical insurance, and accident insurance.

When buying insurance, you don't need to worry too much about which insurance company to choose, and the product that matches your child's protection needs is the best. After all, when making a claim, the insurance company only acts according to the contract. Therefore, there is no insurance company that has the best statement that a product that meets the protection needs of the insured is a good product.

In terms of medical insurance, children's medical insurance is a must, in addition to the purchase of some commercial medical insurance for 1-year-old children to supplement reimbursement, small medical insurance and million medical insurance are suitable for children.

1. What kind of insurance should I buy for a 1-year-old child?

1) Critical illness insurance. 1-year-old children do not have strong immunity and need to buy critical illness insurance to provide critical illness protection. When choosing critical illness insurance, in addition to the basic mild, moderate and critical illness benefits, it is also necessary to pay attention to whether it includes children's high-incidence special illness benefits.

2) Medical insurance. The coverage of medical insurance is wider than that of children's medical insurance, and the disease protection is stronger, which can provide children with more comprehensive disease protection, and can reimburse the medical expenses of some children's illness and hospitalization, reducing the financial burden of parents to see a doctor for their children.

3) Accident insurance. Children will inevitably bump and bump in the process of growing up, and they are prone to accidents, so they need to buy accident insurance. When choosing, try to choose a product with accidental medical insurance, so that you can share the medical expenses that may occur due to the accident.

2. What kind of medical insurance should I buy when my child is old and sick?

1) Micromedical insurance. Many small medical insurance on the market have zero deductible, and the claim threshold of small medical insurance is relatively low and the frequency of use is high, mainly to solve the medical expenses of daily minor illnesses and pains of children with poor resistance.

2) Million Medical Insurance. Millions of medical insurance is cost-effective, usually only need to spend a few hundred or thousands of dollars a year, you can buy millions of medical insurance, mainly used to solve the unfortunate serious illness of the child caused by the large medical expenses.

In fact, both small medical insurance and million medical insurance are suitable for 1-year-old children. If the budget is sufficient, the million-dollar medical insurance and the micro-medical insurance can be combined with each other to provide better protection. If you're on a tight budget, you can prioritize taking out million-dollar medical insurance for your child, as not all families can afford the large medical expenses for their children.

Finally, the senior sister also reminds parents that before buying insurance for their children, they must first do their own personal protection. If you don't know how to configure insurance for yourself and other family members, you can take a look at this article: 3 sets of plans to complete the insurance of the family.

Summary. Hello! Hope the following can be helpful to you:

Jiaoxin Rural Cooperative Medical System is more appropriate, and I personally think that social security is more suitable for adults. NCMS is paid for a year, all his things can be enjoyed within the year you pay, social security is paid monthly, and it is necessary to reach the retirement age stipulated by the state for 15 years before the relevant treatment, and it is better to pay NCMS for children, because there are more emergencies, and NCMS will be more convenient and trouble-free to use; Have a great day! Hope mine is helpful to you and can get yours!

If it's convenient, please give it a thumbs up. Thank you very much!

Hello! I hope that the following can help you: Jiaoxin Rural Cooperative Medical System is more suitable, and I personally think that social security is more suitable for adults.

NCMS is paid for a year, he knows that all things can be enjoyed within the year you pay, social security is paid monthly, and it is necessary to reach the retirement age stipulated by the state for 15 years before the relevant treatment, and it is better to pay the NCMS for children, because there are more emergencies, and the NCMS will be more convenient and trouble-free to use; Have a great day! I hope mine is helpful to you and can get a ride for you! If it's convenient, please give it a thumbs up.

Thank you very much! I want to ask, is it the kind of Chinese life insurance, how many years to pay the principal in the end?

Hello! I hope the following can help you: Life insurance knows that short-term bancassurance products and annuity insurance can get back the principal after paying for five years, but most long-term insurance can only be calculated according to the cash value surrender for five years.

Have a great day! I hope mine is helpful to you and can get your ride! If it's convenient, please give it a thumbs up.

Thank you very much! Okay

Newborn babies can participate in the new rural cooperative medical reimbursement program. Yes, it is conditional.

As long as the newborn is registered within 3 months of birth and paid for the new rural cooperative medical treatment, the medical expenses incurred before the declaration will be deemed to have been insured by the Municipal Social Security Center and given the treatment enjoyed by the medical reimbursement policy.

So; You should register for the new type of rural cooperative medicine within 3 months after the baby is born and pay the fee, and the medical expenses incurred before the baby can be reimbursed. For those who participate in the insurance and pay the premiums more than 3 months after birth, they will still enjoy the medical insurance benefits from the next month after the payment.

Hospitalization reimbursement should be noted: use the name of the newborn when hospitalized, and try to avoid using the name of "the son of so-and-so" or "the daughter of so-and-so"; Inform the doctor that he has participated in the NCMS medical insurance, try to use the drugs in the medical insurance reimbursement catalogue and the best methods, and reduce the use of self-financed drugs.

If the newborn needs to be hospitalized after being insured, he or she must go to the human resources and social security service center with the "hospitalization certificate" to issue a certificate of no card at the time of hospitalization, and submit it to the medical insurance office of the hospital, and go through the hospitalization procedures with the certificate of no card when he is hospitalized. When you are discharged from the hospital, you will be paid using the medical insurance settlement system, and only the part that you will pay will be paid at your own expense.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Legal analysis: children can pay rural medical insurance.

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by the risk of disease. Through the employer and individual payment, the establishment of medical insurance**, after the insured person is sick and incurs medical expenses, the medical insurance institution will give him a certain amount of economic compensation. The establishment and implementation of the basic medical insurance system gathers the economic strength of the unit and the members of the society, coupled with the best funding, which can enable the sick members of the society to obtain the necessary material help from the society, reduce the burden of medical expenses, and prevent the sick members of the society from becoming poor due to illness.

Health insurance, like other types of insurance, is a contract that collects premiums in advance from people at risk of illness to establish health insurance**. When the insured falls ill and goes to a medical institution for medical treatment and incurs medical expenses, the medical insurance institution will give certain economic compensation. Therefore, medical insurance also has two major functions of insurance, risk transfer and compensation transfer.

That is, the economic loss caused by the risk of disease in the individual is apportioned to all members who are threatened by the same risk, and the economic loss caused by the disease is compensated by the centralized medical insurance**.

Commercial medical insurance can be divided into reimbursement medical insurance and compensation medical insurance

1. Reimbursement-based medical insurance means that the medical expenses incurred by patients in the hospital are reimbursed by the insurance company, which is generally divided into outpatient medical insurance and inpatient medical insurance;

2. Compensation medical insurance refers to the fact that the patient is clearly diagnosed by the hospital with a disease listed in the contract, and the insurance company will pay the patient ** and nursing according to the amount agreed in the contract, which is generally divided into single disease insurance and critical illness insurance.

Legal basis: Social Insurance Law of the People's Republic of China

Article 4 Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with law have the right to inquire about payment records and records of individual rights and interests, and to request social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them.