What insurance is there for the baby and what insurance is there for the newborn?

Healthy babies born 28 days after birth can be enrolled in critical illness insurance, medical insurance and accident insurance, with a general coverage of 500,000 yuan for 30 years, and an annual premium of less than 2,000 yuan, with the lowest premium for critical illness insurance for 0-year-old babies.

Newborns are more susceptible to illness and accidents. It is recommended to buy critical illness medical insurance plus an accident insurance. That's it.

Accident insurance, medical insurance, critical illness insurance, education insurance, etc.

1.Accident insurance: children are lively and active in the process of growing up, bumps and bumps are inevitable, now many families like to have pets, cats scratch the town of the world dog bite are likely to encounter, so a few cents a day of accident insurance can solve the cost of these accidents caused by the expense of reimbursement, try to choose an accident insurance that can include accident medical treatment beyond the scope of social security reimbursement.

2.Medical insurance: children are young, weak immunity, if there are health problems need to seek medical expenses, the cost of medical treatment is also the family's expenses that have to be spent, generally including outpatient medical insurance ** slightly more expensive, pure hospitalization is relatively cheap, depending on their needs to choose.

3.Critical illness insurance, also known as health insurance, is mainly to solve the problem that people may suffer from critical illness in their lifetime (high cost, long illness, may cause a major blow to the family economy) insurance, once it meets the requirements will be directly paid in cash, this is basically the family just needs, the child is generally smaller, the physical condition is good, the underwriting barrier is small, the underwriting probability is high, and the premium is cheaper, depending on the product benefits, company choice, protection period, different protection amounts, or according to their own budget comprehensive evaluation choice.

4.Education insurance, this is the child's growth in the determination of expenditure, in addition to the compulsory education stage, education expenses need to be their own expenses, children are more prenated, hope that the son will become a dragon and phoenix is the hope of every parent, so for the child as soon as possible to prepare a future education ** not and travel rent is only the hope of the parents' life is also the motivation for the child's financial and business cultivation and learning, the earlier the preparation, the easier, the more the cost, depending on the family situation.

5.To tell the truth, family insurance planning is best for the whole family as a whole, in a sense, parents are actually the biggest protection for children, only parents are safe and healthy, can continue to create wealth for children, children's lives are guaranteed, so there is a principle of insurance configuration, under the condition of limited conditions, first protect adults and then children, but accidents, critical illness is just needed for adults and children, is a necessary insurance for life.

The above suggestions are for reference.

The insurance suitable for newborns includes children's medical insurance, critical illness insurance, accident insurance and medical insurance, but it should be noted that it is usually 28 or 30 days old to be insured normally.

1. Children's medical insurance: as a basic medical insurance, it reimburses the cost of children's medical treatment and reduces the pressure of medical expenses.

2. Critical illness insurance: Newborns are more susceptible to diseases due to their physical development, so it is necessary to purchase critical illness insurance, especially children's critical illness insurance.

3. Accident insurance: children have poor perception and avoidance ability to avoid danger, and are prone to accidents.

4. Medical insurance: Parents purchase children's medical insurance and enjoy hospitalization medical insurance, which can reduce the financial pressure caused by medical expenses.

Hello! To buy insurance for your child, it is best for you to first analyze what your child's current protection needs are, and then buy insurance for your child according to your child's protection needs.

In addition, it is recommended that you can supplement the necessary commercial children's insurance for your child according to the actual economic situation after improving your child's medical insurance, and the specific types of insurance suitable for your child include children's accident insurance, children's critical illness insurance, children's health insurance, children's education insurance and other types of insurance.

You can combine the actual situation of your child, according to the order of accident insurance, critical illness insurance, health insurance, or you can choose some comprehensive children's insurance cards to protect your children in a centralized and comprehensive manner.

Since you don't know your actual family situation and your child's actual protection situation, it is recommended that you consider supplementing your child with a consumer-based children's insurance card, because this type of insurance is related to comprehensive protection, and the cost is not high, and it is relatively affordable.

As for the purchase channels of commercial insurance, you can either consult the insurance company directly, or you can go to the corresponding online insurance platform to compare and choose specific insurance products.

Children's resistance is poor, buy insurance is to avoid risks, children may grow up with diseases, accidents may also occur, so in order to avoid these risks, children should buy protection.

First of all, I would like to bring you a list of the best children's critical illness insurance to buy this year"2020 Top 10 [Cost-effective] Critical Illness Insurance Rankings".

Children have weaker immunity and are more susceptible to illness than adults, so it is worthwhile to buy insurance for children. There are so many kinds of insurance, which ones are more useful? Next, we will briefly introduce to you several types of insurance suitable for children.

1. Children's medical insurance

This is the first insurance that should be configured for your child. Medical insurance is a welfare insurance, in addition to individual contributions, collective and ** also have financial support and funding. The annual premium is only about one or two hundred yuan, so this is the first insurance that should be purchased for your child.

However, at the same time, his protection is also relatively small, with a minimum payment line and a ceiling line, and many self-financed drugs cannot be reimbursed. Therefore, it is not enough to buy medical insurance, you must buy commercial insurance to strengthen protection.

2. Critical illness insurance

Critical illness insurance is insurance that covers critical illnesses. Unlike medical insurance, critical illness insurance is a benefit-based insurance, and as long as the illness is covered by the insurance contract, you can get compensation from the insurance company. If the child unfortunately has a serious illness, the parent can get a lump sum insurance payment, so that the parent can take care of the child with peace of mind and do not have to worry about the cost for the time being.

Nowadays, there are many children's critical illness insurance specially designed for children, and the coverage content is more practical for children, and many can be added with optional policyholder waivers.

3. Medical insurance

Medical insurance is more suitable for the public to buy "million medical insurance" and "small medical insurance", of which the million medical insurance is mainly used to deal with serious illnesses with higher medical costs, its insurance amount is higher than that of small medical insurance, the insurance amount is more than 1 million, of course, its deductible is also higher than small insurance, and the deductible range is generally between 1 20,000. The reimbursement amount of small medical insurance is relatively low, and the reimbursement amount is usually only one or two thousand yuan, but in terms of deductible, he is also relatively low, only 100 200 yuan, and some products even have zero deductibles. In terms of coverage, it is very practical for children, covering inpatient medical expenses due to accidental injuries and illnesses, as well as general outpatient medical expenses.

There is general outpatient medical insurance, and even children with colds and fevers can be reimbursed.

4. Accident insurance

Children are lively and playful, and there are inevitably some bumps and bumps in daily life, such as burns, falls, etc., the probability is still relatively large, so it is necessary to configure an accident insurance protection for children, as long as the content of the protection includes common accidents like fall injuries, scalds, cat and dog bites, etc., if you also want to configure accident insurance for children but don't know what to buy, then take a look at this article"The 10 most worthwhile children's accident insurance points! 》

Every child is the heart and soul of the parents, and they all want to give the child the best protection and buy insurance for the child, just forAvoid the huge property damage caused by illness or accident earlyInstead of throwing money at insurance companies, these insurance policies can play an important role in the event of an accident or illness. So what is the best way to buy insurance for your child? >> in-depth article - how to buy insurance for children?

Netizens shouted: Why did you only see it now

1.Children's health insurance

Children's medical insurance is a national welfare, whether it is a rural or urban household registration, you can apply for children's medical insurance, and it is best after the baby is bornApply for children's medical insurance within 3 months, then the hospitalization expenses from the day the baby is born can be reimbursed. Children's medical insurance can not only be insured with ordinary diseases, but also congenital diseases, genetic diseases, infectious diseases, and family diseases, which is worth buying.

2.Critical illness insurance

Children have weakened immunity and are increasingly prevalence of critical illness at a young age, such asLeukemia, severe hand, foot and mouth disease, etcCritical illnesses are common in children and can be life-threatening at any time.

Once the child suffers from a serious illness, one of the parents has to resign to take care of the child, and can only rely on one person to make money to treat the child, but sometimes the operation is imminent, and the expensive operation fee cannot be taken out for a while, or even not, at this time, money can save your child's life.

IfAdequate funding, it's best to equip a child with oneWhole Life Critical Illness Insurance；If you don't have enough funds, you can choose to configure a term critical illness insurance for your child, at least until adulthood.

Moreover, there are many excellent children's critical illness insurance on the market, with comprehensive protection and high compensation ratio, which is worth considering: >> top ten cost-effective children's critical illness insurance in 2020

3.Medical insurance

Medical insurance is a reimbursement type of insurance, if you only buy critical illness insurance, the money paid is used to treat the disease, even if there is any money left, it is a little bit left. But after being discharged from the hospital**Fees, Lost Time Pay for ParentsAnd so on are all lost money. If you have purchased medical insurance, the medical insurance can be used to reimburse hospitalization** expenses, and the money paid by critical illness insurance can be used as income compensation.

There is medical insurance for the childMicro Medical Insurance and Million Dollar Medical InsuranceMicro-medical insuranceIt can be used to reimburse children for some minor illnesses such as colds, fevers, coughs, diarrhea, etc.; WhileMillion Medical InsuranceIt can reimburse the ** expenses of general hospitalization or critical illness hospitalization, etc., and the two cooperate with each other to provide more comprehensive protection for children.

4.Accident insurance

Children are lively and active by nature, bumps and bumps are normal, or if you have a cat or dog at home, it is inevitable that there will be accidental scratches, so it is necessary to configure an accident insurance for children. Besides, the accident insurance of the child, one yearDozens of piecesThere is, ** affordable, and the protection is also large. I have found you the most worthwhile children's accident insurance in 2020, you can just choose one to buy:

"The 10 most worthwhile children's accident insurance points!

Newborns can buy insurance after 28 days, but premature babies seem to have other statements, and the details have to be reported to the insurance company's staff.

It is recommended to go to a regular insurance company for consultation, good luck!

Five years later, the hardware insurance is sound.

You can first go to the street and ask! Everything on the street belongs to social security! At least 60 a year, excluding outpatient and inpatient management reimbursement is more appropriate, if it is better, go to Ping An and Life to ask! The community's comparison is a good deal!

Kang Xinbao of Fude Life Insurance Company is very good.

It can range from a cold and fever to an organ transplant.

After 25 years, you can also receive marriage leave or money every year, and receive low lifetime contributions and high protection, and lifelong protection.

I will send you a freshly baked children's critical illness insurance comparison evaluation form, and the best children's critical illness insurance is in it"2020 Top 10 [Cost-effective] Critical Illness Insurance Rankings".

Children's resistance is weaker and more susceptible to disease than adults, so parents with higher risk awareness will choose to configure insurance for their children. There are so many insurances on the market now, what should I buy? Next, let's talk about which insurance is the best to buy.

1. Children's medical insurance

This is the first insurance that should be configured for your child. Medical insurance is a welfare insurance, and its insurance fund pool is composed of three parts: "individual payment", "collective support" and "** funding". You only need to pay a few hundred yuan in premiums every year, so it is recommended that parents must buy medical insurance for their children.

However, the protection brought by medical insurance is very limited, there is a minimum payment line, a ceiling line, and many self-financed drugs cannot be reimbursed. Therefore, it is not enough to only buy medical insurance, and you need to buy other commercial insurance to make up for it.

2. Critical illness insurance

Critical illness insurance is mainly used to deal with the risk of critical illness. Unlike medical insurance, critical illness insurance is a benefit-based insurance that pays as long as the insured suffers from a contracted illness and meets the contracted standards. In the event that a child has a serious illness, parents can also receive a lump sum insurance compensation, and parents can also take care of their sick child with peace of mind without worrying about money for the time being.

There are many children's critical illness insurance plans on the market that are designed specifically for children, and many of them can be waived with policyholders.

3. Medical insurance

For ordinary families, "million medical insurance" and "small medical insurance" are more useful, of which million medical insurance is mainly used to deal with serious illnesses with higher medical costs, its insurance amount is higher than that of small medical insurance, the insurance amount is more than 1 million, of course, its deductible is also higher than that of small insurance, and the deductible range is generally between 1 20,000. The small amount of medical insurance mainly refers to the relatively low medical insurance in terms of the amount of insurance, and the insurance amount is usually only 1 20,000 yuan, but in terms of deductible, he is also relatively low, as long as one or two hundred yuan, or even no deductible. His coverage is quite suitable for children, including medical expenses due to illness and accidental injury, as well as general medical outpatient expenses.

Due to the general medical outpatient coverage, even children with fever and cold can be compensated.

4. Accident insurance

Children are lively and playful, and there are often some bumps and bumps in daily life, just like the probability of accidentally falling and breaking bones is still relatively high, so it is still a good choice to buy a children's accident insurance for children, as long as the content of the protection covers some common accidents in daily life, more about the content and product introduction of children's accident insurance, please see this article"The 10 most worthwhile children's accident insurance points! 》