My son is almost two years old, what kind of insurance should I buy

You should inform the baby's gender, annual payment budget, etc., so that others can give you a detailed plan. Satisfied.

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages

You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insurance

It is according to different ages, different income and expenditure situations, and different family states to "prescribe the right medicine", I have made an idea to share with you, based on the insurance strategy, to understand whether to buy insurance for yourself and your family:

Growth stage (0-20 years old): critical illness insurance, medical insurance and accident insurance

How do I buy insurance for someone under 20 years old? Before adulthood, in the period of physical and mental growth and development, it is inevitable that there will be some minor illnesses and pains, so it is excellent to have a medical insurance, and the bits and pieces of medical expenses can be reimbursed; In addition, there are more accidents in the child's growth stage than in other stages, so it is also necessary to have accident insurance to prevent accidental disability or death; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

Critical illness insurance, accident insurance, and medical insurance are the preferred insurance for the growth stage (20-30 years old).

How do you buy insurance in your 20s? 20 years old 30 years old, is the stage of family pillar inheritance, at this time the body is young, the spirit is good, you think you don't need to buy insurance, but as you go deep into the society, you need more economic expenditure, you will slowly feel the pressure of life, so it is recommended to buy critical illness insurance + one-year accident insurance + million medical insurance, the total cost will not be too expensive, short-term accident insurance is dozens of dollars a month, you can consider it, friends who meet this age group can see the senior sister beforeWhat kind of insurance is more cost-effective to buy in your twenties

You can take a look at this article.

It is recommended to choose critical illness insurance, life insurance, accident insurance and medical insurance for 30-50 year olds

How to buy insurance in your 30s? At this time, buying insurance is more for your family than yourself. When people reach middle age, their physical health is declining, but the pressure is increasing, critical illness insurance and medical insurance can provide adequate protection for illness; If you are unable to continue to be the breadwinner of your family due to an accident, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

It should be noted that people aged 45-50 do not buy critical illness insurance and life insurance, and the next generation is already independent at this time, and the burden is not so heavy. Friends who meet this age group can watch before the senior sisterHow to buy insurance in your 30s?

For how to buy good insurance more scientifically, more worry-free, more money-saving, the key is to choose the right insurance products.

"My son is almost two years old, what kind of insurance should I buy"Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

It is recommended to buy children's medical insurance first, and then supplement commercial insurance, for children, accidental injury, medical and health protection are very important, can not be ignored. Therefore, it is advisable to choose the appropriate protection plan for your child's situation.

Nowadays, there are many types of insurance, and there are many insurance companies, and there are many types of insurance designs.

For children under the age of six, accident and sickness insurance should be the main option. It is best to consult with an insurance salesman about which type of insurance to buy, and to consult with several insurance salesmen, compare insurance products, and find relatively high-quality insurance products to buy.

Children can buy critical illness, accident, and medical insurance. You don't have to buy insurance for life liability. The amount of critical illness insurance is about 500-800 a year for 500,000 yuan.

Accident insurance is 200,000 yuan, and the insurance amount is 60 yuan a year. Million medical 600 a year. If you still want to add, at most add 10,000 yuan to protect and the like, about 500.

In this way, one or two thousand a year should be a comprehensive and reasonable guarantee.

For two-year-old babies, the best option is child accident insurance. As children grow up, they may face a lot of danger from accidental injuries, especially when they are active and curious. Children's accident insurance can provide your child with medical, hospitalization and surgical expenses in the accident reference review, as well as some other ancillary benefits such as traffic accident benefit, sudden illness, sickness hospitalization allowance and other services.

In addition to accident insurance, children's critical illness insurance can also be considered. Moreover, critical illness insurance often has a wider coverage than children's accident insurance, and the coverage period can generally be covered for life. However, when purchasing children's critical illness insurance, you need to pay attention to the transparency of the insurance terms and the payment of the security deposit, and also pay attention to whether the definition and protection terms of each critical illness meet your expectations.

While some parents will consider buying life insurance for their baby when they are born, I don't think it's a good option. Because the baby is very small, there is basically no risk of death, and life insurance premiums are generally higher.

When purchasing insurance, parents need to carefully select and review the insurance company and the insurance company. In particular, the following points need to be noted:1

Insurance terms should be transparent, and key protection terms should be carefully reviewed; 2.The financial status of the insurance company should be ***; 3.Consider factors such as payment method, length of coverage, and sum insured.

In short, when buying insurance for a two-year-old baby, you should fully understand the baby's needs and risk status, and then choose the right insurance product according to your actual situation. In addition, it is necessary to be cautious about the marketing strategies of various types of insurance, make rational judgments, and constantly update, learn and master insurance knowledge to ensure the safety of yourself and your family. <>

It is not necessary to buy insurance when your child is two years old, but it can provide additional protection for your child's future and help parents plan for their child's future finances. Children's insurance can cover a number of different aspects, such as medical insurance, education savings plans, and accident insurance.

For two-year-olds, health insurance is necessary. Because the child's body is more fragile, it is easy to get sick or incur medical expenses due to accidents. Medical insurance can cover the child's medical expenses, so parents don't have to worry about high medical expenses.

Specifically, critical illness insurance is a kind of medical insurance that is worth purchasing, because critical illness insurance can give a certain amount of financial protection when a child is diagnosed with certain critical diseases, so that parents can feel more at ease financially.

In addition, an education savings plan is also an option for purchasing insurance when your child is two years old. An education savings plan is designed to prepare for a child's future education funds. Parents can choose different education savings plans according to their financial situation, such as school education savings plans or inclusive education savings plans.

These savings plans help parents plan their children's education financially, so that their children have a better learning environment and a wider range of nurturing opportunities.

Finally, the Illumination Extra-Contractual Injury Insurance for Children is also a type of insurance that needs to be considered. It is inevitable that some small accidents will occur during the growth of the child, such as falls, injuries, etc. Therefore, accident insurance can provide protection for the child and give some extra money to help the parent with the unexpected expenses.

In short, buying your child's insurance in advance allows parents to better plan for their child's future. When choosing insurance, parents need to choose the right insurance plan for their children according to their actual needs and financial situation. <>

The 2-year-old child is equipped with insurance in this way: including critical illness insurance + medical insurance + accident insurance1.Critical illness insuranceAlthough the probability of a child suffering from a critical illness is generally not high, in fact, there are many specific critical illnesses that are more common in children, and buying a critical illness insurance is also just in case.

How much is the premium? It only takes a few hundred yuan per year to get hundreds of thousands of insurance amounts, which is cost-effective. What are the most cost-effective critical illness insurance products?

After reading this, you will know:"Top 10 Super Cost-effective Children's Critical Illness Insurance".

2.Medical insuranceMedical insurance is a cost-effective type of insurance, ** is not high, but the amount of insurance is super high, in many cases it will be used with critical illness insurance, it mainly protects the expenses of hospitalization, drugs and other expenses, how about the premium? Is it expensive?

It's not expensive, and you can enjoy millions of reimbursements for more than 100 a year. Friends who don't know how to choose medical insurance can check out:"Top 10 Million Medical Insurance Rankings Newly Released!

2.Accident insuranceChildren are naturally lively and easy to scratch when playing around, in this case, those who have purchased accident insurance before can get a fee for follow-up**. And the children's accident insurance is really not very expensive, don't want 200 a year, buy it and buy it!

Is there an accident insurance product with full coverage and high cost performance? Take a look at this:"The 10 most worthwhile children's accident insurance points!

[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.

Personal recommendations 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.

Best wishes! Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"