What kind of insurance does a child pay more than 2,000 a year from birth?

Insurance, protection first! Children are a stage that needs to be protected, so don't neglect to protect your children. About 2,000 yuan for 1 year, the child can get 300,000 critical illness protection + 90,000 death + 10,000 accidental medical treatment (including accidental outpatient and accidental hospitalization charges) every year.

Self-financed drugs are reimbursable). At the age of 30, you can get a refund of all premiums with interest. The following are some of the most common and significant risks for children and adolescents:

malignant tumors , including leukemia; Major organ transplantation or hematopoietic stem cell transplantation; multiple limb missing; acute or subacute severe hepatitis; benign brain tumors; sequelae of encephalitis or meningitis; deafness in both ears; blindness in both eyes; Paralysis; Severe brain injury ; severe burns; severe aplastic anemia; poliomyelitis (polio); Muscular dystrophy ; multiple sclerosis; Systemic lupus erythematosus ; Systemic sclerosis in China is injured by accidents in about 640,000 children aged 0 to 14 every year! Among them, severe brain injury, severe burns, multiple limb missing, paralysis, etc. account for a large proportion! About 10,000 children under the age of 14 suffer from acute leukemia in China every year.

The ** rate of childhood leukemia is 80%, and the ** fee is about 200,000. But 80% of families can't afford it! How sad!

Even if you can afford it, it's very difficult! The risks for children are too great! The cost of risk is also too expensive!

The age at which newborn insurance can be purchased depends on the actual situation. Newborn insurance is divided into social security and commercial insurance.

There is no age limit for medical insurance, so children can always buy this insurance before they are minors and do not join the workforce. For commercial insurance, some products will have an age limit, so how many years you can buy depends on the insurance requirements of the product. Critical illness insurance.

Medical insurance, accident insurance.

You can pay it once a year, as long as you buy it every year, you can guarantee it for a long time.

As for special types of insurance, such as 28 weeks of newborn insurance, the insurance is paid every three years, the coverage period is three years, and it can only be bought for three years.

Test your anti-risk index, experts will interpret it for you for free!

Children need to buy insurance as soon as they are born, and the first thing to apply for is children's medical insurance, and then if the family's economic conditions allow, it is best to buy children's critical illness insurance, commercial medical insurance and accident insurance for children. Some parents may still be struggling with whether to buy insurance for their children, so read this article to understand the importance of buying insurance for your children:Is it necessary for my child to have insurance?

One article to solve all your doubts!

1. Children's medical insurance

Children's medical insurance can provide children with basic protection for medical expenses such as hospitalization, **, surgery, etc. Generally, within 3 months of birth, we can go to the nearest street human resources office to apply for children's medical insurance for the child, and the medical expenses incurred since the birth of the child can be reimbursed.

2. Children's critical illness insurance and commercial medical insurance

However, there are limitations to the reimbursement of children's medical insurance, if the child unfortunately suffers from a serious illness, parents may need to bear most of the medical expenses, which is also a big burden for the family, so it is also necessary to configure children's critical illness insurance and commercial medical insurance to improve the protection.

The configuration of commercial medical insurance can be used as a supplement to the reimbursement of medical expenses by children's medical insurance, and more reasonable medical expenses can be reimbursed.

If the child is diagnosed with the disease agreed in the contract and meets the claim conditions during the protection period, the one-time insurance payment of the children's critical illness insurance can be used to pay for medical expenses, and can also be used as a parent's work loss expenses, living expenses, etc. It is also very cost-effective to buy children's critical illness insurance for children, such as these children's critical illness insurance, which are cost-effective products, and you can consider insuring them:Top 10 ultra-cost-effective children's critical illness insurance, don't miss this treasure guide!

3. Accident insurance

Newborn children do not have the ability to protect themselves, and accidents can happen at any time, sometimes parents turn around, children may have accidents, so we also need to configure accident insurance for children to transfer the economic risks arising from accidents. Finally, the senior sister will share a set of children's insurance plans to help you buy cost-effective insurance:What insurance is good for 0-year-old babies?

Hope.

Children's medical insurance, national welfare, handle the account in a timely manner, the rules for handling in different regions are different, specific consultation, in short, it is good to handle it as soon as possible, this is any commercial insurance.

It's irreplaceable! Secondly, there are four main aspects of commercial insurance:

1. Small medical insurance, children have poor resistance, and it is easy to catch a cold, fever or even pneumonia.

Whatever, if you can't get two or three thousand times in a hospital, there is a medical insurance to supplement the part of the children's medical insurance that is not reimbursed. More than 200 yuan a year is enough.

2. Accident insurance.

The risk of children bumping and burns is also quite large, and spending 60 yuan a year can insure the child of 200,000 accidental injuries, which is better than nothing.

3. Millions of medical treatment, more than 10,000 yuan, to solve large medical expenses, colds, fevers, minor illnesses, and small disasters that every family can basically bear, but if it is a major illness, it costs tens of thousands or even hundreds of thousands, and social security will be capped. Millions of medical care is essential, and under the age of four is slightly more expensive, more than 700 a year. At the age of five, it only takes more than two hundred years.

4. Critical illness insurance.

Leukemia is the only major disease that occurs more frequently in children than in adults.

**Costly. There is also severe hand, foot and mouth Kawasaki disease.

It is a high-incidence disease in children, especially before the age of three, and the risk is still quite large. According to your budget, it is recommended to buy a regular one, and it is only a few hundred yuan a year to insure 500,000 yuan. It is best to choose a specific disease that can be doubled, or you can choose an additional leukemia-specific critical illness insurance.

The above four items add up to no more than 2,000 yuan, and I believe that every family can buy it. Finally, adults are children's insurance, and it is also dusty that parents are advised to have sufficient protection Changju Zen!

Let's start with one point: giving priority to ensuring children's medical insurance in the local area is the foundation.

Let's think about commercial insurance.

Don't be in a hurry to think about what insurance they should buy, because the essence of insurance is to transfer the risks faced by people, so the risks faced by 4 and a half month old children:

1) The risk of interruption of parents' income, once the parents' income is interrupted, the child's life is actually at high risk.

2) the risk of accident and illness;

3) In fact, I personally think that children grow up because they are too small to bring the risk of economic losses to third parties.

In this regard, the insurance required.

1) In fact, it is not for children to buy insurance, first see whether you and your spouse's current life insurance, critical illness, and medical treatment are well configured.

2) Medical insurance is the main insurance product for this type of risk.

In the case of critical illness, because it is a child, it is not recommended to buy a lifelong one and one that includes death, and it is more appropriate to buy it until the age of 25-30, because the death of the child is when he or she grows up and bears the burden on the family, and critical illness insurance has been developing, and the child will buy better insurance products at the age of 25-30 years old, and it is cheaper to buy a regular critical illness at the age of 25-30;

Medical insurance: Priority is given to ensuring that children have local children's medical insurance, and then you can consider a mid-range medical insurance (self-paid drugs can be reimbursed, 100 a year, but there is a deductible).

The above two types of financial difficulties are difficult, and I personally recommend giving priority to the allocation of medical insurance.

3) There are very few such insurance products in China and can be ignored.

After considering insurance, of course, you should also think about saving for your child's education expenses, education insurance is one way, and fixed deposit is also one way.

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

Then you have to see for yourself that the insurance is suitable for you, the price is appropriate, and I gave my daughter Ping An insurance.

Pro, children's insurance is a unified name, to look at the specific child protection plan, and on the premise of purchasing child protection, you should also look at it.

You and your spouse's protection, under the premise of financial permitting, with a certain amount of 1Children's accident (disability and accidental hospitalization reimbursement of medical expenses) 2 lifelong serious illness insurance or term serious illness insurance 3 certain medical treatment, community or rural children's medical insurance, conditional can be combined with certain medical treatment (insurance sickness or accidental hospitalization liability).

As for how much money you ask to buy every year, just like we buy clothes, some people have a piece of clothing dozens, hundreds, thousands, tens of thousands, hundreds of thousands are possible, so this really depends on the specific disposable income of each family, whether the parents' protection is sufficient, and the remaining disposable income can be used to buy insurance for children, generally speaking, children's accidents are usually up to 200,000 yuan, 100 yuan a year, the focus is on the expenditure of medical insurance and serious illness insurance, hundreds (insurance within 500,000 yuan, Generally, you can plan to be within 25 or 30 years old), and you can also plan for tens of thousands (you can plan for a few million, for life, or even if you have a lot of money, you can also match a certain amount of education or annuity insurance).

Insurance is of great significance to families, so professional people who really want to know about the protection plan suitable for their children still contact the insurance broker around them, after all, each family is different, and the applicable plan is different.

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

After the child is born for 30 days, you can prepare accident insurance and serious illness insurance for the child, and if possible, you can increase the education insurance. Children's insurance is designed according to each family's circumstances. For example, there are three options for children's critical illness insurance, and there are different options on the basis of the same protection for 400,000 serious illnesses.

One is to pay less, you can choose to pay one year for one year, pay 300-400 yuan, on behalf of the product Ruitai Children's Critical Illness, Xinhua Children's Critical Illness, the second is to let Qinghe choose to protect 30 years, pay for 10 years, and return the principal at maturity The difference is a double of the gold, and the premium is about 1000, and the children's baby is in the public. The third is to choose a lifelong one, with lifelong protection, and the principal will be refunded around the age of 66, 77, and 88, and the protection will continue to be lifelong. The premium is about 2,000 yuan, and the representative products are Tian'an Health Source No. 2 and Great Wall Healthy Life.

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There are several main aspects that should be considered in children's insurance:

1. It is mandatory to save money, save money every year, and receive it when the child is ten or eighteen years old, which requires a certain financial management function.

2. There are many accidents in children, so they should have accidental medical functions, not too many (after going to school, the school will have a unified school insurance);

3. Parents' accidents are the most important risk for children, so it is important to have a policy exemption function, so that even if parents have an accident, the child's survival pressure will not be too great.

4. The possibility of a child suffering from a major illness is low, so generally do not consider it.

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