Which is the best commercial insurance for newborns, and which ones should you buy for commercial in

Generally speaking, newborn commercial insurance should be purchased with critical illness insurance, medical insurance, and accident insurance. I have compiled the detailed insurance strategy for children in this article, parents can take a look: less than 1000 yuan, get the child's insurance!

For newborns, the resistance is far less than that of adults, prone to critical illness, and such as leukemia, severe hand, foot and mouth disease, severe Kawasaki disease, etc. are all high-incidence critical illnesses in children, once unfortunately suffering from critical illness, it will have a significant impact on the health of the child and the family's economy, so it is necessary to configure a critical illness insurance for the child, which can be used to transfer the economic losses caused by the critical illness.

If you don't know which critical illness insurance to choose for your child, you can take a look at this list: Top 10 ultra-cost-effective children's critical illness insurance, don't miss this treasure guide!

Medical insurance is a reimbursement type of insurance, which can be used as a supplement to medical insurance reimbursement, for newborns, weak body resistance, easy to get sick, common colds, fevers, pneumonia and other situations may occur, so it is also necessary to configure a medical insurance for children, you can buy small medical insurance to solve the medical expenses of children's minor illnesses and pains, as well as millions of medical insurance to solve large hospitalization medical expenses.

As for accident insurance, it usually covers accidental medical treatment, accidental death or disability, and it is normal for newborns to have a small bump and are prone to accidents, so it is also necessary to configure an accident insurance.

Accident insurance is relatively simple, and parents can choose directly from this list: 10 most worthwhile children's accident insurance!

It is recommended to consider medical insurance and accident insurance for newborn commercial insurance.

Critical illness insurance, education**, etc. After the birth of newborns, their immunity is weak and they are prone to fever, cold, and diarrhea, so parents can first insure their children with medical insurance to ensure that their children can be reimbursed for major and minor illnesses. The second is accident insurance, after the child is a little older, it is easy to bump and tumble, crawl and roll in accidents, and provide accident protection; Finally, critical illness.

**The cost is very high, and you can get a one-time sum of money for a serious illness to supplement the loss of family income, and then you can buy education funds and other products according to the situation.

Extended information: 1. Accident insurance:

Babies are very fragile, and if adults are not careful, they are prone to fall and burn.

Cuts and other accidents. So, I think accident insurance is very necessary. **Very practical, cheap dozens of dollars a year, mainly to protect the baby will have unexpected events. Generally, babies can be insured at the full month, and there is no waiting period.

2. Medical insurance:

It is also necessary. Children themselves have poor physical fitness, and it is common to get sick and catch colds. Medical insurance reimburses for medications, hospitalization**, and more. There are also many types of medical insurance, such as student insurance.

Million medical insurance, mid-end medical insurance, high-end medical insurance, different types of product coverage.

No, this depends on your own economic needs.

3. Critical illness insurance:

Compared with medical insurance, critical illness insurance is more about income compensation and follow-up expenses. Some people think that children will not have any serious diseases, but now there are many types of diseases that are highly common in children, such as leukemia.

Hemophilia, nausea brain tumor, aplastic anemia.

etc., the incidence is extremely high. Therefore, when choosing critical illness insurance for infants, it is important to pay attention to specific critical illnesses that are common to children.

4. Education insurance is to provide corresponding insurance benefits for the educational needs of children at different stages of growth. At present, the children's education insurance sold on the market, in addition to the education of junior high school, high school and university, also includes entrepreneurship after joining the work, marriage, and even pension after retirement.

After the child is born, the thing to do is to apply for a birth certificate, register a household registration, and apply for resident medical care (or rural cooperative medical care or one old and one young).

Newborns need to purchase commercial insurance: medical insurance, critical illness insurance, accident insurance. Children's education planning can be tested for pre-promotion annuity insurance.

Before buying insurance, we should clearly understand that insurance is a tool to help us transfer risks, and insurance cannot help avoid the occurrence of noisy risks.

Now, when buying commercial insurance, you should let your parents go to the insurance agency to buy it, and you should also choose the right insurance for your child.

Hello, if you are interested, you can go to this insurance company or the Social Security Bureau to rush to the bureau to handle the new Hu La Mengsheng Pants Bridge can choose more types of it, I wish you a happy life, I hope it will help you.

I think you can buy a orange to protect the family first, to make the economy allow or buy a good one, at least when you go to school, you can return the kind of early insurance, I probably studied insurance before, but I didn't do it, now there are more types of insurance, you can give proper consideration.

We should go to the insurance company to buy commercial insurance for the baby, and you should buy it when the child is 30 or 60 days old, and you should also pay attention to the contract issues, etc., so that you can buy commercial insurance for the child reasonably.

If a newborn is purchased with commercial insurance, it is necessary to register before you can buy maternity insurance with your personal ID number.

In fact, you can directly buy commercial insurance for newborns, and this commercial insurance can also be purchased for newborns, just sign a contract directly.

Commercial medical insurance and critical illness insurance are hail pants for physical health requirements, the baby just came out of Jane is very healthy when the baby is born there are many insurance products to choose from, Bao Ma Bao Dad can choose the right commercial insurance according to their own needs.

Hello! For newborns, there are 4 types of insurance that are really useful: children's medical insurance, accident insurance, medical insurance, and critical illness insurance.

1. Children's medical insurance:

Children's medical insurance is a benefit given by the state to all newborns, and the sooner it is handled, the better.

If you don't know how to apply for children's medical insurance, you can click to make an appointment for [1-to-1 Insurance Planning Service].

Deep Blue Insurance Dedicated Insurance Brokers will provide you with professional advice.

2. Accident insurance:

Accident insurance is usually available 1 month after the baby is born. Accident insurance is available to everyone and is a must-have insurance.

The ** of accident insurance is not expensive, dozens of dollars a year, and the medical expenses of accidental injuries such as baby bumps and burns can be reimbursed. In the unfortunate event of accidental disability or death, you can also pay a sum of money.

3. Million Medical Insurance:

Millions of medical insurance are hundreds of dollars a year, but the maximum reimbursement is 200-4 million.

However, many million medical insurance generally have a deductible of 10,000 yuan for hospitalization, that is, the expenses within 10,000 yuan are not compensated. However, this problem is also easy to solve, and it can be supplemented with a small amount of medical insurance.

4. Critical illness insurance:

This money can be used to pay for medical bills, or it can be used to buy nutritional products for children, and the insurance company does not care how parents spend it.

For most parents who have not had much contact with insurance, it will be difficult to equip their children with accident insurance, medical insurance and critical illness insurance at one time without the help of professionals;

We also suggest that these friends should not be in a hurry, and can start with children's medical insurance and accident insurance, and gradually make up for the protection of their children.

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Hello, 1, children's medical insurance, the insurance cost is not high, when the baby is hospitalized, you can get the corresponding stupid medical compensation and hospitalization allowance, many parents are more recognized by this one; 2. Children's critical illness insurance, mainly for infants and young children with high incidence of major diseases, due to the current trend of major diseases at a younger age, the possibility of infants suffering from major diseases is also increasing, in order to avoid the dilemma of falling into the dilemma of having no money to treat diseases, it is also necessary to buy this kind of infant medical insurance for the baby; 3. Children's accident insurance is aimed at the characteristics of low self-protection ability and curiosity of infants and young children, providing children with medical-based hand therapy protection for various accidental injuries, reducing health risks and reducing economic losses;

Earlier, my dad also said that there are three types of insurance that must be bought for children's insurance, namely accident insurance, medical insurance and critical illness insurance.

Now my dad will analyze with you why you should buy these three types of insurance.

1. Accident insurance.

Children are active by nature and curious about the world, often exploring the world through their hands and mouths, and accidents will inevitably happen.

From death and disability to bumps and bumps in life, accident insurance can cover you.

2. Medical insurance:

Children's medical insurance is a national welfare and social security for everyone, but the insurance amount is limited and only limited to the social security catalog.

Million medical insurance, with a high deductible and a high sum insured, often several.

10. The saying that hundreds of dollars of premiums leverage millions of insured amounts.

Some million medical insurance is stable and guaranteed to be renewed for a period of time, and there will be no rejection of insurance due to claims.

3. Critical illness insurance:

Many people say that it is enough to have a million medical insurance coverage, so why do you need to configure critical illness insurance?

The idea is too one-sided, medical insurance can be reimbursed, but the benefit type of insurance is how much you spend will be reimbursed.

However, if the child is seriously ill, parents will definitely be able to take care of it, and if they can't work, they won't have any economic income, which is also a loss.

The sum insured paid out by critical illness insurance can be used to cover these losses, as well as for the child's subsequent expenses.

Newborn commercial insurance should be considered within 4 types. 1. Critical illness insurance. Nowadays, the incidence of major diseases is getting higher and higher, and the impact of major diseases on life is huge.

Buying critical illness insurance for your newborn can give you a large amount of money when you need it, so you don't end up going bankrupt. Another advantage of critical illness insurance is that it is paid immediately after diagnosis, and the lump sum insured is fully compensated. For example, if the sum insured is 200,000 at the time of purchase, as long as you get the diagnosis certificate, you can pay 200,000 yuan in a lump sum.

Social security, on the other hand, is paid after spending money on treatment.

2. Accident insurance. At first glance, accident insurance is a guarantee for future generations, because everyone pays attention to the "death benefit", but should also pay attention to the "disability benefit". Therefore, when buying accident insurance, the amount of disability benefit is an important item to consider.

Social insurance does not cover accidents that occur outside of working hours, so we need to purchase an accident insurance to supplement it.

3. Medical insurance. Social security only reimburses a little more than 1% of all medical expenses on the market, and the remaining 98% is not reimbursed. Therefore, it is recommended to purchase some commercial medical insurance to reimburse self-financed drugs, imported drugs, surgical expenses, etc.

4. Education fund. In addition, if you have enough funds, you can consider buying some education funds for your children.

In fact, social security + insurance is the best combination.

1. But there are also time restrictions, at present, various types of commercial insurance on the market have such provisions for newborns: babies born within 28 days can not be purchased, because newborns are extremely fragile, and their physical health is unknown, so insurance companies will have clear provisions in order to avoid the risk of congenital diseases.

Newborns within a few days will be rejected when they enroll in insurance, but parents should not be open-minded, because newborns within 28 days of age are following their mother's medical insurance, so the medical expenses incurred by babies who are hospitalized due to illness during this period can also apply for reimbursement.

The senior sister told everyone exactly that it is also necessary to buy commercial insurance for newborns.

Is it necessary for my child to have insurance? One article to solve all your doubts!

Generally speaking, all parents will configure children's medical insurance for newborns. However, it should be noted that the protection of children's medical insurance is far from enough, its reimbursement scope is limited, and the reimbursement ratio is not particularly high.

Moreover, the body resistance of newborns is still relatively weak, and they are easily affected by diseases, especially some high-incidence children's serious diseases, children's specific diseases and children's rare diseases. If a newborn is unfortunate enough to suffer from this disease, not only will the child suffer from the disease, but the parents will also need to bear the huge financial pressure caused by the disease.

Therefore, we can configure critical illness insurance, million medical insurance and small medical insurance for newborns, and if eligible, we can transfer the economic risks caused by the unfortunate illness of the child for parents, and to a certain extent, avoid the economic pressure and indulge in the treatment of the child.

In addition, you can also configure accident insurance for newborns. According to relevant information, babies under the age of 5 will be at risk of accidental injuries such as suffocation, electric shock, and hot dismantling.

What insurance is good for 0-year-old babies?

To sum up, it is very necessary to configure commercial insurance for newborns, which can be configured with critical illness insurance, million medical insurance, small medical insurance and accident insurance.

In-depth article - How to buy insurance for children? Netizens shouted: Why did you only see it nowHope.