Mandatory insurance for children under 1 year old is:

1-year-old children are suitable for buying insurance like this: children's medical insurance + critical illness insurance + accident insurance + medical insurance. Children's medical insurance is a national welfare insurance, which can get the most basic medical protection given by the state.

Critical illness insurance is used as compensation for economic losses, medical insurance is a supplement to children's medical insurance, and accident insurance is practical and cheap.

1-year-old children are still young, the probability of suffering from critical illness is not high, so the premium is not high, the choice is larger, the cost performance is also high, and there are many products to choose from.

Let me talk about the general idea, which mainly includes children's medical insurance + critical illness insurance + accident insurance + medical insurance.

1.Children's health insurance

Children's health insurance is a national welfare insurance, and it is best to purchase children's insurance immediately after birth, as soon as the first month after entering the household. We can get the most basic medical security given by the state. 16 years old is the maximum age for children's medical insurance, and the premium for children's medical insurance is very cheap, so it is recommended that everyone have one.

2.Critical illness insurance

Although the probability of children suffering from critical illnesses is not high, some critical illnesses are highly common among children, so it is recommended to configure. If you don't know what critical illness insurance is suitable for your child, you can take a look at this article:"Top 10 ultra-cost-effective children's critical illness insurance, don't miss it!

3.Accident insurance

Children are active by nature and are prone to fall and bruise while playing, in this case, if you have purchased accident insurance before, you can get a fee for subsequent **.

And it is really not expensive for children to buy accident insurance, less than 200 a year, it is recommended to configure.

Which accident insurance products are ultra-cost-effective and fully protected? If you are interested, you can take a look:"The 10 most worthwhile children's accident insurance points! 》

4.Medical insurance

Medical insurance is very cost-effective, which means that it is very low, but there is a lot of coverage, and the sum insured is also very high. Under normal circumstances, it is better to buy it together with critical illness insurance, which mainly protects the expenses of hospitalization, drugs and other expenses, and only needs about 100 yuan a year to enjoy millions of reimbursements, which is recommended to be configured.

When I helped buy baby products myself, I used to study the better products on the market, and now I will share them with you by the way:"Top 10 Million Medical Insurance Rankings Newly Released! 》

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

Xueba talks about insurance, focusing on insurance evaluation! Hey? Recently, it seems that many people are talking about how to buy insurance for children, just take this opportunity for me to take a look, I wrote an article before, listing the popular children's critical illness insurance, if you have time, you can take a closer look, I believe you can have a general understanding of children's productsDesigned for 1-year-olds!

Comparison Table of 136 Popular Critical Illness Insurance in China

Because 1-year-old children are still young, the probability of suffering from critical illness is generally not high, so the premium is not high, the choice is larger, the cost performance is also high, and there are many products to choose from. Let me talk about the general idea, mainly including:Critical illness insurance + accident insurance + medical insurance

1.Critical illness insurance

Children are less likely to suffer from critical illness than other age groups, and in fact, there are many specific critical illnesses that are more common among children, and buying a critical illness insurance is also just in case. In terms of premiums, you can get hundreds of thousands of insurance in the first year with only a few hundred yuan, which is indeed a very cost-effective choice. So what are the critical illness insurances that are worth our careful consideration?

If you are interested, you can take a look:Designed for 1-year-olds! 2020 Top 10 [Cheap and High-quality] Children's Critical Illness Insurance".

2.Accident insurance

Children are more active, so it is easy to fall and bruise, buy an accident insurance, you can get a fee from the insurance company after this situation arises**. The question is, is accident insurance for children expensive? It's not expensive at all, it's less than 200 yuan a year, and it is highly recommended to buy!

So is there a comprehensive and cost-effective product? Some! Then take a lookDesigned for 1-year-olds!

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

3.Medical insurance

Medical insurance is a cost-effective insurance product, ** is very low, but the amount of insurance is surprisingly high, in most cases, we recommend that it is advisable to buy together with critical illness insurance, which can complement each other, it mainly protects the expenses of hospitalization, drugs and other expenses, is medical insurance expensive? The answer is not expensive, only more than 100 a year, most families can afford it, but the reimbursement amount has reached an astonishing million, it is highly recommended to buy! Hope!

Pay attention.

That's it.

I wish your child a safe life.

Critical Illness & Accident & General Medical Treatment.

I understand that you want to give your child the best protection, and out of a serious and responsible attitude towards your child, I hope you can learn some basic knowledge of choosing insurance.

1) Why buy insurance That is, clarify the needs.

Find out what your top concerns are, and then give you a budget and expectations based on your actual situation. It is usually 10%-15% of the income, and should not exceed 20%, otherwise it will cause a burden on the family, and too little protection may not be enough.

2) How to choose an insurance plan.

1) First of all, choose a ** person who is both professional and honest.

The professionalism of the person directly affects the efficiency and effectiveness of the claim settlement in the future, and the moral character of the person is more important, because the policy is not a matter of one or two years, many policies are for a lifetime, so the person is your lifelong friend. Then, see if the insurance product designed for you can solve your problems, whether it exceeds your budget, and can solve the most concerned problems with affordable money, which is a good plan.

2) Then, look at the history of the insurance company and its business performance.

Basically, the foreign-funded companies and joint ventures in the Chinese market are all large global enterprises, even more than 100 years old, and the management system is more complete than that of Chinese capital. However, Chinese companies are blessed with a lot of policy support in the Chinese market, and there will not be much problem.

3) Find the right insurance product.

The products of insurance companies are calculated by professional actuaries according to the same principles and the same life table, so in essence, all insurance products are the same, and there is no difference in insurance products, only different emphasis. Moreover, it is only allowed after the approval of the insurance committee**. It's impossible to hope that a certain company will sell you insurance at a loss.

Choosing an insurance product, the focus is not on comparing the price, because there are expensive reasons, cheap has cheap defects, the key is to see whether it is suitable for your situation and whether it can meet your needs.

Here I must emphasize one point: in the past, I thought that choosing an insurance company was the most important, but now it seems that choosing the best person is the most important.

Because the first person to contact you is the insurance person. At present, there are more than 100 new and old Chinese-funded joint ventures in China, each with its own characteristics and advantages. Chinese-funded companies occupy a dominant position in the Chinese market, foreign-funded companies provide first-class services, and the joint venture company has transparent policies and learns from each other's strengths.

No matter how good the company is, when you buy insurance, you are fooled by the ** person, you don't tell the truth, you don't have to pay for the accident, or you find that it is completely different from what the original ** person said after buying insurance, which is called injustice. At present, 90% of insurance lawsuits are caused by the first person, and there are very few lawsuits that are really caused by insurance companies or contract terms.

By following these three steps, I believe you will be able to sell a reassuring insurance. The professional integrity of the person is paramount.

I think it's enough to have an accident insurance and an early payment for critical illness!

Before buying commercial insurance for your child, you should first buy children's social security and local social security, so that you have basic protection, and then supplement on this basis.

The core role of insurance is protection, and protection insurance has the significance of small and broad, and has a leverage effect.

Due to the unpredictable nature of accidents and illnesses, and the fact that they do occur, the financial situation of the whole family can be more serious.

Therefore, accident insurance and health insurance are essential types of insurance for children, and there are many classifications of accident insurance and health insurance, which can be selected according to your own family situation and needs.

As for education insurance, its biggest role is to force savings, and the income will not be too high, so whether it needs to be purchased depends on the investment channels and investment preferences of the customer's family.

1-year-old children's imperfect physical function development is susceptible to the erosion of diseases, so medical insurance and accident insurance should be the focus, and then consider the combination of pension insurance, education fund shirts, dividend investment and other products. But if you don't have social security, you must have social security for adults and children, after all, social security is the most basic protection. Commercial insurance is supplemented.

According to your needs, we recommend China Merchants Cigna Children's Critical Illness Insurance, which has the characteristics of covering 105 diseases, up to 128% return at maturity, double exemption for critical illness and death, zero cost and big income, more peace of mind for serious illness butler service, and no physical examination. It is a children's insurance with a high price ratio for multiple sexes, and it is very suitable for parents to buy for their newborns. How do I buy insurance for my child?

How to buy? Let's take a look at buying insurance for your child and be sure to avoid these pitfalls!

When buying children's critical illness insurance, you should pay attention to the protection content and exemption content of the insurance. These two aspects must be clearly understood, and the types and quantities of diseases covered by the insurance content are covered. This also needs to be carefully distinguished by each disease.

Some diseases are defined by the insurance company itself and may not be the same as the medical definition. In addition, if you purchase long-term children's critical illness insurance, you should choose a critical illness insurance with exemption ability.

In addition, it should also be noted that, in order to protect the legitimate rights and interests of minors, in accordance with Article 33 of the Insurance Law of the People's Republic of China, the relevant circumstances of parents taking out life insurance for their minor children with death as a condition for the payment of insurance benefits are hereby stipulated as follows: For life insurance taken out by parents for their minor children, before the insured reaches adulthood, the sum of the insured amount of the death benefit agreed in each insurance contract, At the time of the death of the insured, the total amount of insurance money actually paid by each insurance company shall not exceed RMB 500,000. Even if the premium is paid, the excess death sum insured is useless, and parents should also pay attention to this when purchasing children's critical illness insurance with death protection for their children.

If you have any other insurance questions, please come: more insurance fish talk about insurance! ，

There have been 11 answers to this question, and many people have made good suggestions, believing that the subject has found the answer they want. Therefore, I will not be verbose. Emphasize a few points, I hope the subject will pay attention.

The types of insurance that children under one year old need, in order of urgency, medical insurance, accident insurance, and critical illness insurance.

Children have poor resistance, and medical insurance is still necessary; Children under the age of one have poor mobility and are unlikely to have an accident, but with the increase of months, bumps and bumps are inevitable; Children under the age of five have a high probability of suffering from leukemia and other serious diseases, so it is necessary to pay attention to it and allocate critical illness insurance as soon as possible.

There are also unreliable answers in it, for example, someone recommended a certain An's xx Fu, an insurance that has been criticized on Zhihu that is not good, how can you advertise here. Some people also recommend buying life insurance for children, which is simply a show, what is the use of life insurance for little children? Do small children have family responsibilities?

Limited money to spend on the cutting edge! If you have money to spare, it is the right way for the child's parents to buy life insurance for themselves.

Recently, a new children's critical illness insurance can be said to have hit a new low, but the protection is sufficient and full. Let's take a look at it, Sino-Dutch Children's Le Bao can insure 70 kinds of critical illnesses, 40 kinds of minor illnesses, 10 kinds of children's specific critical illnesses (leukemia, Kawasaki disease, etc.) The sum insured is doubled, and there is also a minor illness exemption, and the coverage age: 30 days to 17 years old, that is, you can apply for insurance at the full month.

Insurance period: 20 years, 25 years, 30 years, that is, the insurance can be insured up to the age of 30.

It is estimated that a boy under the age of 1 will purchase 800,000 insurance for 20 years until he is 30 years old, and only 904 yuan per year!

Girls under the age of 1 are guaranteed to buy 800,000 insurance for 20 years until they are 30 years old, and only 976 yuan per year!

If there are ten specific high-incidence critical illnesses such as leukemia, this ** can get double the sum insured of 800,000, 1.6 million! Let the child completely avoid the worries of the ** fee and recuperate with peace of mind.

Welcome to click on my avatar for private chat consultation, and buy good insurance for pit prevention and avoidance.

It can be configured for a 1-year-old baby: medical insurance + critical illness insurance + million medical insurance + accident insurance + general medical insurance (0 deductible). After the child is born, apply for medical insurance first, and then configure commercial insurance, so that you can resist the risk of various serious diseases.