Do I need to buy other insurance for my child?

Hello! Medical insurance is the most basic type of protection. If you can afford it, it's actually best to buy insurance for your children from an early age. You can buy one for your child's education**. It's about starting to save money now so that you can have an easier time later.

Nowadays, parents love their children very much, and hope that their children can grow up healthily and get the best education, so they have made a lifelong plan for their children as early as possible, and children's insurance is also one of the topics that adults are most concerned about.

To put it simply, children's insurance is nothing more than three situations:

1) General accidents and general medical treatment (in childhood, bumps and bumps are inevitable, and children are prone to colds and fevers, etc., through comprehensive accident insurance, accidental medical treatment, hospitalization, surgery and other expenses can be reimbursed, and financial losses can be compensated).

2) Solve the problem of children's health protection - lifelong health protection (buy health insurance during the child's period because: the premium is cheap during the child's period, at this time, the premium will be fixed first, and the annual line will be appropriately extended, so that the child can win on the route and have health protection for a lifetime, so that an insurance will accompany the child for a lifetime, which is the continuation of the parent's love.

3) Make a financial plan for your child and help your child make a long-term asset allocation (including education funds, wedding funds, entrepreneurial funds, etc., because children's education is also a big expenditure in the future, and it may be difficult to take out so much money at one time; In addition, modern people manage their finances by themselves, in fact, money is easy to spend, and insurance can force savings, which plays a role in earmarking, value preservation and appreciation).

Medical insurance is only the most basic national policy insurance in insurance, and you can do other insurance by yourself, I feel that the reputation of China's current insurance companies is still not good.

Medical insurance is only the most basic guarantee given by the state to every citizen, but not covered, if conditions permit, children should be given other insurance.

If you have the financial means, you can buy some insurance such as education funds for your children.

If you have spare money, you can still buy some education fund and savings insurance.

Dear, I'm glad to answer for you, the child still needs to pay medical insurance if he buys insurance. Generally speaking, the insurance purchased by the school for the child is "Student Safety Insurance", which is a type of insurance that protects the student's body from accidental injury, this kind of insurance is cheap, but it cannot reimburse the medical expenses required for the child's daily illness. Medical insurance is a type of insurance that can complement each other with medical insurance and reimburse medical expenses that cannot be reimbursed by medical insurance, which is different from the school insurance purchased by children's schools, so there is no conflict with medical insurance for children.

Extended information: 1. Medical insurance must be available. The study insurance purchased by the study is only a supplement to social security, and the study level insurance is still different from the commercial insurance of the formal policy business.

After participating in the hospitalization medical insurance, minors can automatically transfer to the corresponding form of medical insurance when they become adults, and there is no conversion of the medical insurance system, and there is no need to re-apply for insurance procedures. Children's accident insurance, children's health insurance and children's education savings insurance, which are also based on the three major children face.

Risk. The common feature of these products is that they begin to provide health and education savings protection to children as they grow up. Children's safety, health and education are the top concerns of parents.

Children's physical function is not perfect, and the ability to resist the erosion of diseases is weak, so the risk of children's diseases, especially major diseases, increases, and some diseases that originally had a high incidence in adults have shown a trend of younger age.

Second, there are three points of thought to keep in mind when buying insurance for children:

1. Medical insurance must be handled well, which is the basic guarantee of the people!

After the child is registered, it is necessary to handle the neonatal medical insurance (urban and rural residents' medical insurance) as soon as possible, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so it is necessary to handle the medical insurance for the child.

2. If you plan to configure commercial insurance, it is recommended to consider pure protection critical illness insurance, medical insurance, and accident insurance.

Start with critical illness insurance, which can provide long-term protection. In addition, critical illness insurance can pay a large amount of cash directly after getting sick, which can not only solve the problem of medical expenses, but also solve many hidden problems in the future, such as delaying homework due to illness and needing money.

3. As for medical insurance, it 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 cost-effective.

Legal Analysis: Not Before. However, it is now possible to use a parent's health insurance card to prescribe medication for your child.

In daily life, the children of many families actually do not have a medical insurance card, nor do they have a personal medical insurance account. The medical insurance card exists correspondingly, and the children in the family often cannot use the parents' medical insurance card. However, with the continuous improvement of the medical insurance function, children and parents can use the medical insurance card together.

A few days ago, Shenzhen launched a family channel for medical insurance cards, so that the whole family can use a medical insurance card together.

Of course, there are certain requirements for this benefit. The balance of the personal account needs to reach a standard line. Shenzhen requires that the balance of personal accounts only exceeds 5% of the average annual salary of employees who have lost money in the previous year.

According to this standard, as long as there is more than 4488 yuan in the account, then the whole family can use a medical insurance card. However, the portion used by family members is more than 4,488 yuan. In this way, even if the child does not have a medical insurance card, as long as he uses this family binding function, he can use his parents' medical insurance card to see a doctor.

Legal basis: Social Insurance Law of the People's Republic of China

Article 2: The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth.

Article 26 The treatment standards for basic medical care for employees, new rural cooperative medical care, and basic medical insurance for urban residents shall be implemented in accordance with the provisions of the State.

Article 28 In line with the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards and medical expenses, emergency and rescue medical expenses, in accordance with the provisions of the State from the basic medical insurance **.

Many parents are buying health insurance for their children.

When you will be entangled in whether to do medical insurance or buy medical insurance, the difference between social medical insurance and medical Yuliang insurance is **? If the family conditions allow, it is best to choose a medical insurance as a supplement after applying for medical insurance, so that the protection will be more comprehensive.

Medical insurance and commercial insurance.

There is a difference in nature, social security medical care is a social security mechanism, is the basic medical security handled by the state for residents, and can be reimbursed for outpatient, medical, hospitalization and other expenses. Commercial medical insurance is of a commercial nature, is a profit-oriented medical insurance product launched by insurance companies, if the child incurs the corresponding medical expenses, as long as the conditions are met, it can be reimbursed.

The difference between medical insurance and commercial insurance, social security medical care is very cheap, ordinary families can afford it, basically there is no economic pressure, and families with financial difficulties will also get subsidies on medical insurance costs. The overall price of commercial medical insurance is high, and it often costs tens of thousands of yuan to get comprehensive protection, which is a large expense for ordinary families.

There are also different investment requirements, medical insurance is no insurance threshold, almost everyone can be insured, can be insured with illness, as long as the policyholder pays the premium on time can be unconditionally renewed. Commercial medical insurance requires Yu Xumin to meet the conditions of the insurance product before it can be insured, and the renewal also needs to be reviewed, and if the review is not passed, it cannot be renewed.

If the family's economic conditions allow medical insurance and commercial insurance to be purchased at the same time, so that the protection can be complementary, if the economic conditions do not allow, it is recommended to participate in the basic medical insurance of social security first. If you want to choose commercial insurance, it is best to be the most affordable, including children's specific disease protection, for children to choose commercial medical insurance can be purchased **affordable, in the case of already having medical insurance, choose commercial insurance as a supplement, you can avoid spending too much budget.

It is better to do medical insurance, because there are some insurances for vertical travel, and it has a lot of loopholes in the stool, if you don't pay attention when you buy it, if there are some problems, you can't give compensation to the air. The difference in nature, the difference in claims, and the difference in reimbursement.

Of course, it is better to run a medical insurance round liquid. The difference is that the amount paid is different, the protection is different, the protection of the child is different, the cost of insurance is different, and the content of protection is different.

It is better to run medical insurance, because medical insurance can help us report half of the money of the fast sales wheel, and there are discounts for buying drugs in pharmacies; The use method is different, the number of years is different, the amount paid is not the same, the protection is not the same, and the amount of reimbursement is not the same.

It is better to buy insurance for children, if you do medical insurance, you can only cover part of it, and you can't have a lot of reimbursement money, but insurance can reimburse a lot.

First of all, it is very necessary to have medical insurance for your child. Children are not fully developed, have weak resistance, and are prone to illness, so the chance of being sick and hospitalized is high. With medical insurance, it can be used to solve the problem of medical care.

Medical insurance is mainly divided into million medical insurance and small medical insurance, and it is recommended that you buy million medical insurance. The reimbursement of medical insurance is as high as one million, which is cost-effective, and can be reimbursed if it exceeds the deductible; The small medical insurance is mainly for the reimbursement of minor illnesses such as daily colds and fevers, but the reimbursement of these diseases can actually solve this problem by social security, so it is of little significance to purchase small medical insurance.

Of course, it is not enough to buy medical insurance, after all, the risk to children is not only in terms of illness. For example, in terms of accidental injuries, according to statistics, the leading cause of death among children aged 0-14 in China is accidents, with about 150 children dying every day, accounting for 261 of the total number of child deaths.

So how should you allocate insurance for your child to make it more comprehensive? Let's talk about the strongest strategy in history!

Second, configure the strongest strategy for children's insurance!

Generally, the priority order of insurance for children is children's medical insurance, critical illness insurance, medical insurance, and accident insurance.

Let's focus on children's medical insurance, critical illness insurance and accident insurance

1.Children's health insurance.

Children's medical insurance is for minor children suffering from some diseases covered by insurance, and provides protection for hospitalization, **, surgery and other medical expenses, parents must purchase this basic protection for their children.

However, China's basic medical system is basically very low for children's medical security, so it is necessary to purchase other protection insurance.

No, if you have paid medical insurance in school, there is no need to pay medical insurance at home, and the state stipulates that in principle, each person can only choose one social medical insurance to pay, for example, the resident medical insurance is not able to pay the employee medical insurance, but in the actual operation, because the medical insurance system is not the same, so there will be some people at the same time to pay two kinds of medical insurance, the most common is the staff working outside, in the hometown in fact, the family has helped to buy urban and rural medical insurance, The employer helped to pay an employee medical insurance, which is actually a loss, because when reimbursing medical expenses, only one medical insurance can be selected for reimbursement.

Medical insurance is the basic welfare of the state, and it can be bought whether you are sick or not. However, the scope of insurance protection is very limited, the scope of medical insurance reimbursement and the amount are limited, in the face of serious illness, medical insurance alone is not enough, you can consider matching your own commercial medical insurance on the basis of medical insurance to ensure that you can get more comprehensive protection. After all, in case of a serious illness, many drugs with quick effects or surgical instruments with good efficacy cannot be reimbursed.

These costs are generally hundreds of thousands or even hundreds of thousands, which is a lot of pressure. If you have a million medical insurance, you can be reimbursed directly.

In addition, medical insurance refers to an insurance in which both parties agree on medical expenses and use this as a condition for the payment of insurance benefits, and when the insured person seeks medical treatment in an illness or accident, the insurance company needs to compensate the insured person with a corresponding proportion of the insurance money according to the agreement. The scope of coverage includes: medical expenses, hospitalization expenses, surgical expenses, medical equipment expenses, nursing expenses, etc.

However, medical insurance should pay attention to the protection responsibility and renewal conditions, the wider the renewal conditions, the better, the lower the deductible, the better, and pay attention to the value-added services as comprehensive as possible: purchased drugs, self-weight ions, out-of-hospital targeted drug reimbursement, and support for medical expenses in advance In addition, there is critical illness insurance, that is, critical illness insurance, simply put, if you buy critical illness insurance, and you are diagnosed with a type of critical illness within the scope of the policy, then the insurance company will pay a one-time compensation. Among them, the 28 critical illnesses stipulated by the China Banking and Insurance Regulatory Commission will be covered in critical illness insurance to enhance the protection of critical illness insurance policies.

Critical illness insurance and medical insurance are complementary to each other, with medical insurance being reimbursement and critical illness insurance being payout. It can help us play a vital role in the face of serious diseases.