What insurance is appropriate for the child to pay, and what insurance is suitable for the child to

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.

Children are the hope of the future of the family, parents always want to give them the best things, and children have a long life, there will always be some risks, so many parents choose to transfer the risk to the insurance company, so how to buy insurance for children is more reasonable?

Daddy's point of view has always been: first of all, we must ensure that we have bought children's medical insurance for our children, so that we can configure commercial insurance, and the premium can be reduced a lot. Then there is Accident Insurance, Medical Insurance, and Critical Illness Insurance.

How to choose insurance for your child

1. Accident insurance

The child is relatively young, the sense of danger is not high, and the child's body is relatively weak, some bumps and bumps may cause greater damage to the child, and accident insurance can just transfer the economic losses caused by these accidents.

2. Medical insurance

Medical insurance is divided into small medical insurance and million medical insurance, the former is mainly to reimburse some small medical expenses, such as a child with a cold and fever, spending a few hundred yuan at a time, as long as it meets the requirements, it can be reimbursed, and million medical care is mainly for large medical treatment, and a deductible of 10,000 yuan is generally set. It does not conflict with the medical treatment of social security, and can be purchased directly.

3. Critical illness insurance

Critical illness insurance and medical insurance are mainly due to the difference in payment methods, medical insurance is a reimbursement type, while critical illness insurance is a payment type, as long as the insured is diagnosed with a critical illness as agreed in the contract, the insurance company will pay a lump sum insurance payment. This compensation is not limited to use, and can be used for tourism, debt repayment or economic support, etc.

It's not much use to buy insurance for your child, just a small insurance.

Most children have accident and sickness insurance.

At what age is the best time to buy insurance?

The basic medical care of children must be covered by social security, and commercial insurance is also necessary.

Children's insurance options include accident insurance, medical insurance, critical illness insurance, education insurance, etc., which can be selected according to their needs and budget.

1.Accident insurance: children grow up lively and active, bumps and bumps are inevitable, now many families like to have pets, cats and dogs are likely to encounter, so a few cents a day of accident insurance can solve the cost of reimbursement caused by these accidents, 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 sold to solve the problem that people may suffer from critical illness in their lifetime (high cost, long illness period, may cause a major blow to the family economy) insurance, once it meets the will be directly compensated to cash, this is basically the family just needs, the child is generally smaller, the physical condition is good, the underwriting obstacle is small, the underwriting probability is high, and the premium is cheaper, depending on the product benefits, company selection, protection period, and the amount of protection are different to choose and choose, or choose according to their own budget comprehensive evaluation.

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 paid by themselves, children eugenics to be more preferential, 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 ** is not only the hope of the parents' life but also the motivation for the child's financial quotient 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 planning, 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 by adults and children, is a necessary insurance for life.

The above suggestions are for reference.

Children are the youngest part of the family, especially in China's concept of education, children are the hope of the whole family, and the safety of children is implicated in the hearts of every family member. Insuring children is a love and a care.

For the long-term health of your child, you can take out a critical illness insurance for your child. In recent years, many children have been suffering from leukemia, Kawasaki disease, polio, hand, foot and mouth disease, etc., and the tragic story touches the heart of every parent. While your child is still young, you can take out a critical illness insurance.

When misfortune comes, you can have more sufficient funds to accept better ** and escort your child's life. Moreover, the premium of critical illness insurance is related to the age of the policyholder, and the younger the insurance age, the lower the premium, and the protection is also guaranteed for life, leaving the child with lifelong protection with a smaller premium.

In addition to making everyone feel that they are always far away from their own serious illness, children are playful and active, and bumps and bumps are indispensable. If you fall today, you will have a bad foot tomorrow, and you will take out an accident medical insurance for your child, reimburse the medical expenses incurred during the accident, and save the money to give your child something good.

Many people say "don't let your child lose at the starting line", in fact, the starting line of children should not only go to various "interest" classes from an early age to forcibly cultivate children's interests, parents should also have a clear and long-term education plan for their children, and have the strength to give children a platform to chase their dreams after their own interests are cultivated. Planning should be done early, education insurance should be invested early, an education insurance should be invested, and the pressure of inflation should be thrown to the insurance company, and what parents have to do is to find the insurance company to get money when they need it.

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.

Social medical insurance + critical illness insurance + accident insurance + medical insurance. Because critical illness, medical and accident insurance have been configured, it effectively solves the problems of hospitalization medical expenses for children's major illnesses, loss of income from adult companionship of children's critical illnesses, and accident risks. If you don't want to buy so much, you can also consider buying critical illness insurance and medical insurance first to buy a guarantee for the safety of your child.

Further information: Children's medical insurance: This insurance is the most basic guarantee provided by the state, which belongs to the national welfare insurance, which can prevent the risk of medical expenses caused by diseases in the process of children's growth, and to a certain extent, prevent children from being unable to receive high-quality and rapid medical services due to economic reasons after suffering from diseases.

Compared with adults, children's resistance is generally slightly worse, and weather changes, food is not fresh, etc., may cause children to get sick, so in order to better protect children's health, it is necessary to purchase children's medical insurance for children.

Critical illness insurance: Everyone is equal in the face of critical illness. Children have poor immunity and weak resistance, which inevitably increases the probability of disease.

It's okay for Xiao Mao to be sick, but if she suffers from a serious illness, it will be a nightmare for the whole family. Add to that the economic strain, and the whole family could be ruined. Therefore, it is necessary to purchase and combine critical illness insurance.

Medical insurance: There is a difference between medical insurance and social medical insurance, which can only reimburse part of the amount of medical expenses, and the rest must be borne by yourself; Assuming that the amount is too much, the rest of the social medical insurance is not covered, so medical insurance will make up for this loophole. It is necessary to have medical insurance for your child.

Accident Insurance: Accidents are everywhere. It is also a must to give your children an accident insurance to protect them.

Cute little children love to explore new things and be curious about new things, so it is inevitable that accidents will happen. Accident insurance is very cheap insurance, and the amount of insurance you get is not low, about 200 yuan of accident insurance can get hundreds of thousands of insurance amounts. There are basically several types of children's insurance:

Critical illness, accidental medical treatment, education funds. 1. Critical illness: In order to prevent the child from suffering from a major illness when he is young, he spends too much money at home, but because the child is 18 years old, the maximum accumulation of liability insurance for death cannot be higher than 100,000 yuan, so when the child is less than 18 years old, it is more suitable to do the child's education, and the critical illness can be considered after the child is 18 years old.

2. Accidental medical treatment: children are more naughty when they are young, and there are often injuries caused by accidents, and accidental medical treatment is to reimburse this part of the expenses, such as: falling injuries, being injured by pets, etc.

3. Education money: very useful, it is a special fund for children to go to school and marriage, pension expenses, now every parent wants to leave the most and the best things for their children, save some money for their children every year, so that children have their own accounts, and can be withdrawn at any time when the money is used, and accumulate interest when not in use. Recommend a few products for children's insurance:

1. Zhongying Life Insurance - Haoerlang 2, Huaxia Life Insurance - Tong Xinsuo 3, Haikang Life Insurance - Qian Duoduo 4, Life Insurance - Wealth 5, Great Wall Life Insurance - Sammo Hung Section B Because the child before the age of 18 is now, the maximum death insurance amount of the insurance is only 100,000.

It is generally better to buy the following types of insurance for children:

1.Children's medical insurance: It is the most basic protection, with a certain welfare nature, and the medical expenses from the day the child is born can be reimbursed, and it is relatively cheap;

2.Children's critical illness insurance: The child's resistance is still relatively weak, and once the child suffers from a serious illness, the parents have to resign to take care of it, not only the income will be reduced, but also the medical expenses will be relatively high.

Therefore, it is necessary to have a children's critical illness insurance, which can generally cover malignant tumors, leukemia, and severe hand, foot and mouth disease, and can directly pay a sum of insurance money after the insured suffers from the disease agreed in the insurance contract;

3.Million Medical Insurance: It can reimburse the reasonable and necessary medical expenses incurred by the insured due to illness or accident, the premium is cheap and the insurance amount is high, but the deductible is relatively high, but if it is used to deal with the risk of serious illness, the million medical insurance is still better.

Even if the child has suffered from a serious illness before applying for insurance, most of them can be extended, excluded, and overwritten, and will not be easily denied;

4.Accident insurance: children's curiosity about the world is still very heavy, so the probability of accidents is relatively high, so it is necessary to have an accident insurance to protect accidental death or disability and accidental medical treatment;

5.Small medical insurance: children's resistance is relatively weak, there may be more minor diseases, and millions of medical insurance for minor illnesses will be lacking, so it is better to have a small medical insurance to protect minor diseases, after all, although the amount of small medical insurance is not very high, but its premium is cheap and the deductible is low, and some small medical insurance even has no deductible;

6.Education annuity insurance: If you take into account the child's future education, then you can take out an education annuity insurance, pay the premium first, and wait until the child grows up to the agreed age of receiving the annuity, and then you can start to receive the annuity;

7.Incremental whole life insurance: the sum insured will increase according to a certain interest rate, and the cash value will also increase with the growth of the sum insured, and its return on capital is faster.

Xueba said that insurance, only help parents who want to buy the right insurance for their children! This year, the comparison table of 136 hot-selling children's critical illness insurance has been updated

You can click on it to see how it will help you choose your child's insurance.

How to buy insurance for your child at a loss state

This question of selling rulers makes many parents have no idea where to start, and today I will help you sort out how to buy insurance for your child is the most correct posture! Note the three key points of the pin mating:

First, medical insurance must be handled well, which is the basic guarantee of the people!

After the child is registered, the first thing to do is to complete the medical insurance. Regardless of 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 the medical insurance is handled, you can consider configuring commercial insurance for your child, giving priority to critical illness insurance + medical insurance + accident insurance.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). In addition, critical illness insurance can directly pay a large amount of cash after getting sick, in addition to being used to treat the disease, it can also solve other associated problems, such as children who delay their studies due to illness, and even some subsequent life losses, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance can just solve these problems in the future.

Let's talk about 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, with an annual premium of 1,200 yuan, you can buy an insurance amount of 10,000 yuan, which is very practical.

Finally, let's look at accident insurance, it is very cheap for children to buy accident insurance, 200,000 yuan per year is only sixty or seventy yuan, which can fully protect the child's accidental death, disability and medical expenses caused by accidents, which is particularly practical.

Third, what insurance should not be bought for children?

Don't buy life insurance for your children, and try not to attach both-both-to critical illness insurance. I know the specific reasons in this articleWhy is it so hard to buy child insurance? You'll know when you see it!

There has been a detailed introduction in , so I won't go into too much detail here.

According to the above insurance ideas, if you are configuring regular insurance for your child, you can configure it for 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is very practical.

That's all for me"What kind of insurance is appropriate for children?"All of them, I hope it helps you! Hope!