What kind of insurance do I need for my child?

Congratulations on the birth of your precious son.

On January 23 this year, Minsheng Life Insurance launched a new health insurance:

Annual payment 1140 + 640 = 1780 20 years A total of 35600 40 kinds of serious illnesses are insured for life The insurance amount is 100,000 yuan This is the highest fee for boys, and girls are lower. This money is non-refundable, and you will return 100,000 yuan after the death of your child for life, but there are detailed rules that need to be telegraphed.

Savings Dividend Insurance:

Newborn children pay 2,000 per year, and the insurance amount is more than 20,000 yuan.

After 20 years, you can return more than 1,000 yuan per year if you receive it until you are 60 years old.

It can be claimed for 40 years. A total of 40,000 yuan was received. At the end of the term, you will be refunded 40,000 yuan of premium.

If you die within 1 year of insurance, we will refund you the premium + dividends. In the event of death after 1 year, we will give you 3 times the sum insured.

Another participating insurance of our company:

The annual contribution for a newborn child is 3,719, and the sum insured is 100,000You can't claim it until your child is 65 years old. 900 per month or 10,000 per year for a total of 23 years.

If you survive until the age of 88, you will be given a birthday payment of 100,000 yuan, and the contract will be terminated. The death benefit is more troublesome than discussed here.

The above rates are all paid by children aged 0 and the minimum income, if you are a friend in Beijing, you can contact me. I will make a detailed plan for you.

The Measures for the Administration of Health Insurance have been deliberated and adopted by the Office of the Chairman of the China Insurance Regulatory Commission on June 12, 2006, and are hereby promulgated to take effect on September 1, 2006.

Chapter 3 Product Management.

Article 14 The sickness insurance products in long-term health insurance may include death insurance liability, but the amount of death benefits shall not be higher than the maximum amount of disease benefits.

Health insurance products other than those provided for in the preceding paragraph shall not include death insurance liability, except for death insurance liability caused by illness.

Medical insurance products and sickness insurance products must not include a survival benefit liability. **

The landlord is good to be insurance conscious, recommended.

Chinese Life Kangning Term (Critical Illness Insurance). Guarantee 100,000 yuan for 20 years, pay 900 yuan per year (female). or 1,200 yuan (male), insuring 10 categories of critical illnesses, giving money if you are sick, and repaying the principal if you are not sick. Guaranteed until 70 years old. And death and high disability are covered.

Most of the participating insurance has an expiration period, and there are dividends and annuities every year, and the sooner the child, the cheaper it is, and the more benefits he enjoys. This money can be saved at ordinary times, and the interest rate is generally higher than that of the bank, and it can be withdrawn in advance when you use it, which is more affordable.

Critical illness and additional insurance, major and minor illnesses can be covered.

You can buy it!

If possible, it can be purchased by both adults and children.