What are the types of Ping An children s insurance? Which is better?

Consultation content: What are the types of Ping An children's insurance? What type of insurance is suitable for a 7-year-old boy?

I mainly want to open education insurance and protect it to the undergraduate. The beneficiary is a child with an annual family income of 30,000 yuan. Ask an expert to recommend it for me.

Consult netizens: cca68 (Wuhan) expert answer: Wuhan Ping An Life Yang Liu for your baby's education plan, Ping An Century Tianjiao children's universal financial plan can be achieved.

Before the baby is 18 years old, there is a personal insurance of 50,000 yuan and a critical illness protection of 40,000 yuan; After 12 consecutive years until the baby is 19 years old, the baby's personal protection and critical illness protection can be increased; At the same time, it can also solve the baby's education, entrepreneurship and marriage; Adult pensions, children's pensions, emergency cash, etc. Jinan Taiping Life Insurance Song Xiaojuan In fact, parents are the best insurance for their children, if the parents are alive, the children will definitely live a good life; If there is no risk, it will not affect the child's continued education. It is recommended that you consider the protection of adults first, and if you do not know whether adults have social security or other protection, it is recommended to use accidental medical treatment, comprehensive accident critical illness (or term life insurance) as a reference.

The total premium should not exceed 20% of the total annual income of the family.

Wuhan Chinese Life Long Zeqiong first accident, medical treatment, health, and then education, if the economic conditions are good, you can make a combination, the smaller the purchase of critical illness insurance, the cheaper.

Xiamen Chinese Shou Huang Liangchuang can do all-purpose things. Health protection in the early stage, financial management in the later stage. Premiums may not be arranged too much.

Wuhan Xincheng Life Insurance Jia Xiaoling buys insurance to buy protection, and protection is what everyone needs. Therefore, before buying insurance, you must be clear: what is insurance?

Why buy insurance? What kind of protection do I need most? How much of this coverage do I need?

How many insurance products can I buy based on my current capacity? If you really want to buy some insurance for yourself and your family, I recommend you:

1. First of all, learn and understand some insurance knowledge;

2. Understand the role and significance of insurance; 3. Clarify your own needs for insurance;

Xueba said that insurance only helps families who really want to buy insurance for their children! This year, the comparison table of 136 best-selling children's critical illness insurance has been updated

It's now free, click to claim it now.

What insurance should I buy for my child?

I don't know how many parents who want to give their babies comprehensive protection are stumped by this problem, so let's take a good look at how this problem should be solved! Configure from these three aspects:

First, children's medical insurance is essential!

After the child is born, as long as the household registration is registered, you can immediately apply for neonatal medical insurance (urban and rural residents' medical insurance), whether it is a major illness or a minor illness, basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, after buying medical insurance, you can fully configure critical illness insurance + medical insurance + accident insurance in commercial insurance.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to solving the best expenses, it can also solve many hidden problems caused by illness, such as children who delay their studies because of illness, and even some subsequent life losses, which require a lot of cash to make up for it. Buying a pure protection critical illness insurance can just solve these problems in the future.

Let's talk about why we need to configure 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, the sum insured is 10,000 yuan, and the annual premium is only one or two hundred yuan, which is not expensive and very useful.

Finally, let's talk about accident insurance, children's accident insurance is particularly cheap, and the insurance amount of 20w is only sixty or seventy yuan per year. Accidental death, dismemberment, and accidental medical liability for children are all covered, cheap, and useful.

Third, don't buy both types of insurance for your child!

Don't give your child life insurance, and try not to consider critical illness insurance with both liabilities attached. I know the specific reasons in this articleHow do I buy insurance 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 done, if you buy lifelong protection, it is only two or three thousand per year, which is very cost-effective.

That's all for me"What are the types of Ping An children's insurance? Which is better? "All of them, I hope it helps you! Hope!

Summary. Hello, dear, I'm glad to answer for you, Ping An Insurance children's insurance is good.

1. Children's Ping An Fu (pure protection) 2. Smart Star (universal type) (focusing on education and financial management) 3. Ping An Xinxiang Insurance (participating type) (focusing on protection).

Which type of children's insurance is better?

Which type of children's insurance is better?

Hello, dear, I'm glad to answer for you, Ping An Insurance children's insurance is good.

1. Children's Ping An Fu (pure protection) 2. Smart Star (universal type) (focusing on education and financial management) 3. Ping An Xinxiang Insurance (participating type) (focusing on protection).

Children's Ping An Fu (pure protection type) 1. Accidental medical treatment: effective immediately, and the insurance will expire until the payment period. 100-50,000 yuan, regardless of outpatient or inpatient, 100% reimbursement within a reasonable range 2, inpatient reimbursement:

It will take effect within 30 days and will be guaranteed until the expiration of the payment period. Reimbursement of 6,000 yuan for each hospitalization, 600 yuan for outpatient treatment, 3,000 yuan for minor surgery, 20,000 yuan for major surgery, unlimited times throughout the year, only 30 days apart for the same disease3, hospitalization subsidy: effective in 30 days, guaranteed until the expiration of the payment period.

The subsidy for each hospitalization is 100-200 yuan a day, and it can be supplemented for 180 days 4, eight mild and critical illnesses throughout the year, 80,000 yuan, which will take effect after 90 days and be guaranteed for life. If a minor illness occurs before the age of 25, you can also receive 8,000 yuan per month for nursing care, and you can receive 400,000 yuan for three months of children's characteristic critical illness, effective in 90 days, and lifelong for life before the age of 25, you can also receive 8,000 yuan per month for nursing money, and you can receive 400,000 yuan for six months for major diseases, effective in 90 days, and guaranteed for life. If a critical illness occurs before the age of 25, you can also receive a nursing allowance of 8,000 yuan per month for six months.

7. Accidental disability of 200,000 yuan, effective immediately, insured to the age of 70, disability divided into 10 levels of 281 items, proportional compensation, public transportation and self-driving double compensation 8, accidental death: effective immediately, insurance to 70 years old, return the premium paid before the age of 18, 18 years old and later compensation of 200,000, public transportation and self-driving double compensation of 400,000 9, personal protection, effective immediately, insurance to life. If you die before the age of 18, the premiums paid will be refunded, and if you die at the age of 18 or later, you will receive $410,000.

10. Family-wide waiver: In the event of death, total disability or critical illness of either parent, the remaining premiums will be exempted. If a child has a critical illness for the first time or a critical illness with children's characteristics, the remaining premiums will be waived.

11. Supplementary pension, the cash value will be returned in 29 years and tripled in 70 years, which can be used to supplement children's pension. 12. Emergency cash, when the family needs money urgently, you can take out a loan at Ping An Bank, up to 40 times the premium paid by the main insurance.

Ping An's children's insurance is still very complete, and I will tell you about it in detail below

For children's insurance configuration strategy, you can click here to receive the "Most Complete Guide to Children's Insurance: You Don't Have to Follow the Trend to Buy Insurance Next Time".

1) Critical Illness Insurance:

Children are also at risk of suffering from critical illness, so buying a critical illness for your child at this time will be cheaper. However, there are a few things to pay attention to when buying critical illness insurance:

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

2.The high-incidence diseases should be fully covered: it is best to have protection for children's special diseases.

2) Medical Insurance:

Medical insurance can be divided into small medical insurance and large medical insurance according to the size of the insurance insured. If the economy allows, it is best to allocate small medical insurance and million medical insurance for children.

If the child has a daily cold and fever, it can be reimbursed with a small amount of medical insurance, and if it is a serious illness and faces expensive medical expenses, it can also be reimbursed with millions of medical insurance.

3) Accident Insurance:

Children's accident insurance is also essential, children have a lot of play, the frequency of injuries is high, buy a children's accident insurance for children, can reduce the economic expenses caused by some accidents. However, there are a few things to pay attention to when buying accident insurance:

Priority is given to one-year, consumer-based children's accident insurance.

Priority is given to children's accident insurance with accidental medical treatment, with 0 deductible, 100% reimbursement, and reimbursement both inside and outside social insurance.

The actual situation of each family is different, and when choosing insurance, it is necessary to do what you can, and dads generally do not recommend that children's premium expenses account for more than 20% of the family's premium expenditure.

Summary. Hello dear, it is a pleasure to serve you <>

Ping An Insurance's children's insurance children's insurance card number. Children's Ping An Card is an accident insurance with a high price ratio, which can cover accidents and hospitalization medical expenses. It mainly provides accidental death insurance, accidental disability insurance, accidental outpatient insurance, accidental hospitalization insurance, and children's critical illness insurance, and children from 0 to 18 years old can apply for insurance.

It is a short-term insurance with a duration of only 1 year, and the payment method is single payment.

Which type of children's insurance is better?

Hello dear, it is a pleasure to serve you <>

Ping An Insurance's children's insurance children's insurance card number. Children's Ping An Card is an accident insurance with a high price ratio, which can cover accidents and hospitalization medical expenses. It mainly provides accidental death insurance, accidental disability insurance, accidental outpatient insurance, accidental hospitalization insurance, and children's critical illness insurance, and children from 0 to 18 years old can apply for insurance.

It is a short-term insurance with a duration of only 1 year, and the payment method is single payment.

Further information: The Children's Ping An Fu (2019) Insurance Plan provides a variety of benefits, including 100 types of critical illness benefits, as well as 30 types of minor illness benefits, including 15 types of children's specific critical illnesses; and accidental medical treatment and accidental disability. It has a sickness companion benefit, the premium is double waived, and multiple claims are paid for mild diseases, and an additional 2 claims are paid for malignant tumors.

It is suitable for people aged 0 to 17 years old, and the protection is lifelong.