My daughter is not yet full moon and I want to buy him insurance, how should I handle 5

Hello. The landlord is very concerned about the baby's health and future, and poured all his love into the baby, very touched!

Infants and young children must be insured for 30 days or more, and infants under the age of 4 must have a copy of their birth certificate or household registration book.

As for the type of insurance, when choosing insurance for children, focus on the following aspects:

Let's start with social security.

For example, the "old and young" in Beijing are only 50 yuan a year, and the protection is relatively comprehensive. If the baby is not registered in Beijing, contact the local social security department to see if there is a similar type of insurance.

Secondly, make up for it in terms of commercial insurance.

Critical Illness Benefit: This is the most basic benefit, just in case. It's like a goalkeeper in a soccer game, you can not use it for a long time, but you can't do without it.

Accidental injury protection: children are small, the ability to control behavior is weak, bumps and bumps are common, if there is another pet at home, the risk of accidents is higher.

Hospitalization medical reimbursement: The child is young, his own resistance is weak, and it is inevitable to be hospitalized when he is sick.

Finally, look at your own financial ability, if conditions permit, and then consider an education fund insurance for your baby.

If you don't consider the education fund, the annual premium of the above protection is about 2,000 per year, or choose a better type of insurance.

Our company has launched a set of "Happy Baby Growth Plan" for newborns and babies, which only needs about 500 yuan per month, which can cover the baby's accident, hospitalization, critical illness and education and dowry, and the insurance is very good.

As one of the three "national prefix" life insurance companies, Pacific Life Insurance has stable operation, excellent performance, strength and reputation are worthy of your trust, and many of our company's guarantees are also in a leading position in the industry, with comprehensive protection, excellent terms, low rates, convenient and fast claims settlement, and high return on investment.

Our company's latest honors: won the honorary title of "2008 Beijing Insurance Industry Top 10 Annual Comprehensive Strength", and ranked first!

You can go to the local insurance company to ask, such as: Chinese Life Some banks can also The specific plan needs to be done by the marketer according to some of your daughter's actual situation and your expectations.

When buying insurance, we should first consider health, accident, and medical treatment, followed by education**, and investment income. Buying insurance should be purchased according to your personal situation. Now there are many types of insurance, and what to buy is still to understand with the insurance salesman according to the actual situation analysis, Ping An Beijing Xidan Service Department of China passed by.

The principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

For each of us, we should consider health insurance. Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Therefore, you must first consider medical insurance, whether it is commercial insurance or social insurance, and then consider other insurance products, so that it makes sense. If you are not healthy, it is impractical to have more pension insurance.

It is recommended that you first purchase the social security launched by the state (preferably if the unit comes forward to purchase it), including cooperative medical insurance, and then consider commercial insurance as a supplement.

Here, I know that in this industry, there are three recognized sentences that say this: "brand in life", "Ping An talents" and "Xinhua products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally a lifelong contract, and you can become lifelong happiness if you buy it well, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) Buy insurance first adults and then children, if adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is adults who pay for children.

To buy insurance for minors, the main choice is to buy commercial insurance such as student insurance, accident comprehensive insurance, and lifelong or term health insurance. If the child is too young, some insurance products you want to buy for your child may be restricted by some policy regulations, so you can buy a little less health insurance for your child first, and if possible, you can add a hospitalization allowance insurance or hospitalization medical insurance.

In addition, you can also consider buying a children's hospitalization mutual aid fund (about 40-50 yuan per year) for your child at the social security bureau or neighborhood office where your household registration is located, so that the child's protection in terms of medical insurance will be improved. When your child is a little older, buy him some insurance that suits his needs.

Want to know, do the child's parents have insurance now? "Protecting children and adults" is an insurance misunderstanding. If the child's parents are not protected, then even if the child is insured, the child's protection may be unstable.

What if: once something happens to the parents, what will the child pay for the future premiums? So it is recommended:

First establish a security system for the child's parents (first participate in social security, and on this basis, gradually strengthen and improve the allocation of commercial insurance), and then buy some basic insurance products for the child (buying insurance should be a gradual process). Only in this way is it a scientific and correct choice for insurance.

It is very important to choose a salesman who is responsible, proficient in business, and can be trusted by you to apply for commercial insurance. Hopefully, you can find an ideal salesman who can work out the insurance plan that you and your family really need and that is suitable for you.

Good luck! Extended reading: [Insurance] How to buy, which one is better, and the veteran will teach you to avoid insurance"pits"

Hello, Sycamore Tree Insurance Network has a wealth of products, and here are a few recommended products for you: (1) Yi'an Little Baby Comprehensive Accident Insurance. With an annual premium of only 60 yuan, you can get comprehensive protection, including not only accidental death and disability, accidental medical liability, but also vaccination accident protection, and ambulance fares can also be reimbursed. (2) Mommy Baobei Children's Critical Illness Insurance.

This is a children's exclusive critical illness insurance, including 108 kinds of critical illness 100% compensation 1 time + 25 kinds of moderate illness compensation 2 times, a single compensation of 50% of the amount of the fan burning hall + 40 kinds of minor illness compensation 2 times, a single compensation of 30% of the sum insured + the second critical illness protection + 18 kinds of children's high-incidence special diseases double compensation + 5 kinds of children's rare diseases triple compensation, very comprehensive, it is worth mentioning that Mommy Baobei is very cost-effective, 0-year-old male treasure insurance 300,000 insurance amount, insurance, 70 years old pay for 30 years, additional specific disease protection, Second Critical Illness Benefit and the policyholder's waiver, the annual premium is only $1. (3) Kunlun Super Insurance Personal Medical Insurance, as a million-dollar medical insurance, has an insurance amount of up to 2 million, doubles the amount of critical illness insurance, and has a critical care allowance of 800 yuan a day, which is very intimate, with an annual premium of yuan, and a good cost performance. For more questions, it is recommended to go to the Sycamore Tree Insurance Network, where the insurance planner will formulate a suitable insurance plan for your reference according to your actual situation.

Hello! It seems that you are a very responsible and caring parent, first of all, to give your baby a comprehensive medical insurance for social residents (you can use the birth certificate to find the neighborhood committee), and then use commercial insurance to supplement medical and education insurance, I hope to have the opportunity to communicate with you. I wish you a happy and safe family!

First, improve community medical insurance, and accident insurance, and then purchase commercial health insurance as a supplement. After that, consider education insurance.

The annual premium is about 10-15% of the annual income, which is reasonable!

The most basic (and most practical) insurance package for children, in a nutshell, a one-year-old baby example:

1. If you invest in education for your child, pay a total of 80,000 yuan in 15 years, then you can receive 60,000 yuan to your child's high school and college, and 30,000 yuan when you get married, and there are more than 60,000 yuan in the account at this time, if you receive a pension at the age of 60, you can receive 3,000 yuan per month, and a total of 700,000 yuan in 20 years! After the age of 80, there are still about 170,000 in the account! 560,000 yuan in the account at the age of 100, and an additional 50,000 yuan in the case of 100 years old or death!

8% of the sum insured will be refunded every 3 years for life!

2. In addition, there is a comprehensive accident hospitalization medical insurance! Reimbursement for all accidental hospitalizations and medical malpractice is included! There is no limit to the number of reimbursements, and the waiting period for hospitalization is only 30 days! The reimbursement rate is 80%!

Hello: insurance is a long-term, professional family financial security planning, is to be carefully considered, buying insurance is not guaranteed that the risk does not occur, the risk is uncontrollable, insurance is actually to protect when our risk occurs, the economy will not be in trouble, the future life can continue to be unaffected, our loved ones can live a better life. My suggestion is to first see if the parents have a good protection, and then consider the child's insurance, the parents have a good protection, there will be a good income when there is no risk, the child's problem is not a problem, when the risk is encountered, there will be insurance money to replace the parents' income to take care of the child, if the adult has a risk, the child is insured, the premium will also be a problem, the order of the child's insurance is:

First do social medical insurance, and then do commercial medical (accident medical care, hospitalization medical care), critical illness protection, and then do education security and wedding money protection, etc., to recommend an insurance to you, pay about 2,500 yuan per year, pay for 15 years for 20 years, including 150,000 yuan of critical illness insurance (50 kinds of serious illness protection), 6,000 yuan of accident medical insurance per year, 5,000 yuan of hospitalization medical insurance per year (5 years of guaranteed renewal, enjoy 20% discount without claims), but also has the function of premium waiver, At the expiration of 20 years, after the expiration period, you can get about 36,000 yuan according to the mid-range dividend, which can be used to supplement the child's college education fund. (The amount of various benefits can be adjusted according to your needs) Reference: [Blog]?

What are the benefits of buying insurance through an insurance company**? [Case]?Critical illness, medical insurance, and education insurance for the baby's 20-year return.

Hello friends, it is recommended that you plan a more comprehensive plan for your children, first of all, accident + medical treatment, minor illness medical care, education, marriage, entrepreneurship in one, preferably with a premium waiver function, I am happy to answer for you.

Hello friends! Can think of insurance for children, is a responsible parent, hope that parents first understand the function of insurance, the most fundamental purpose of insurance is to get a protection in the event of a risk, there are three types of protection, accidental injury, disease medical treatment, pension risk, if it is a child, it is recommended to do the first two types of protection. The following is a case study of a comprehensive protection plan for your child

Case] My child needs such a comprehensive medical insurance [Case] I like to give my child such a protection plan.

Hello! I don't know if you have urban medical insurance for your children, that is the basic guarantee. The child is small, headache, brain fever, and the probability of bumps is high, it is recommended to consider medical reimbursement and accidental medical insurance The main insurance depends on whether you mainly consider the protection of the child's life or the protection of the minority, and there are corresponding types of insurance to choose from; If possible, consider the issue of children's education funds, after all, this is the money that must be spent in the future, and the preparation through insurance can effectively resist inflation and achieve value preservation and appreciation.

Before considering your child's insurance, consider whether the adult's coverage is sufficient, after all, parents are the child's biggest insurance.

It is important to take out protection insurance for adults before considering insurance for children. As for what insurance you want to take out for your child, it depends on what you want to achieve with insurance. Health insurance, accident insurance, and children's education insurance can all be considered.

A hundred salesmen will have a hundred suggestions, hehe, first think about what kind of protection to do for the child, if you don't know, look at the post to understand. Once you have a goal, it's easy to buy any insurance in the future.

Buying insurance is buying protection, so accident + critical illness + medical treatment is indispensable. If the budget is sufficient, then consider the dividend-sharing education fund. Reference: [Case] Baby Education Fund Planning.

Hello! With the aggravation of environmental pollution and the rise in medical costs, more and more young parents have begun to pay attention to the risk of large medical expenses for their children. In order to prevent an unseen health threat from becoming a financial and emotional burden later in life, many families with newborns are gradually realizing that just like buying baby products, health insurance for babies must be considered.

It is recommended to improve the most basic children's medical insurance before buying commercial insurance for children. Buying insurance is first and foremost protection, and the basic insurance needs of children are accident insurance, hospitalization medical insurance, and critical illness insurance. In our Pacific Insurance, we have a children's exclusive critical illness product "Baby Health Critical Illness Insurance Plan".

The plan has the outstanding advantages of strong targeted disease types (30 specific critical illnesses for children and 1 leukemia benefit for children with high incidence of critical illnesses), **affordability, and early return, which can well meet the needs of young parents. It only takes 1,800 yuan per year, and more importantly, when the child is 25 or 30, the principal and interest are directly returned, and it just so happens that the child is starting a business or getting married at this time, and the most important thing is that the disease of the child and the adult is different, so different periods protect different health, and it is the right medicine. On the occasion of the listing of "Baby Ankang", the company is also about to launch a special "Baby Ankang" and the hot-selling dividend financial management product "Hongxin Life" as the main insurance type of the "Fu Bao Protection Plan".

With the addition of "Baby's Health", "Lucky Baby" can be said to be a strong combination, integrating the functions of repayment of critical illness protection and education fund financial management, which is known as the most powerful children's protection plan launched by the company so far, and I believe that it will help customers find the best solution for children's insurance protection You are the most basic protection for children, that is, the child's umbrella. Advice for you: The order of family insurance is adults first and then children; economic pillars before other members; Protect before you invest.

Reference: [Case] Principal repayment type that only costs less than 5 yuan per day Baby Health Critical Illness Protection Plan [Case] 0-year-old baby health comprehensive protection plan Working family [Case] The best solution for child insurance protection of "Lucky Baby Protection Plan".