I want to buy insurance for my child, what insurance is good to buy, and the child has just turned h

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 made a strategy to share with you, based on the insurance strategy, to understand clearly what insurance products must be bought for family protection:

Insurance strategy for children under 20 years old: It is recommended to purchase 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 not strange that there is a little illness and pain on the body, and it is precisely for this reason that it is usually recommended that this part of the small partner configure a medical insurance, which can be used for reimbursement and compensation of medical expenses; In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so you can consider purchasing an accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

For those who are growing up, you should choose critical illness insurance, accident insurance, and medical insurance when you are 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, the probability of suffering from major diseases is not large, but some minor illnesses and small pains will still occur from time to time, so it is recommended to buy short-term critical illness insurance + one-year accident insurance + million medical insurance, in fact, it doesn't cost a few dollars, a month is only a few dozen yuan, it can be considered, friends who meet this age group can see before the senior sisterA trick to teach you to buy a cost-effective insurance for your 20s

You can take a look at this article.

If you are in the age group of 30-50, you can buy critical illness insurance, life insurance, accident insurance and medical insurance

What kind of insurance is the most cost-effective for children in their 30s? At this time, buying insurance is more for your family than yourself. The probability of middle-aged people's illness is increasing rapidly, but it is the most important economic ** of the family, and they often can't fall, so critical illness insurance and medical insurance can provide adequate protection for illness; If an accident happens, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

Friends who meet this age group can watch before the senior sisterWhat kind of insurance is the most cost-effective for children in their 30s?

As for how to choose the right insurance product for yourself, the key is to choose the right insurance product.

"I want to buy insurance for my child, what insurance is good to buy, and the child has just turned half a year old"Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

Hello: 1. The order of applying for business first should be accident insurance, hospitalization insurance, critical illness insurance, life insurance, and financial management. 2. Exclusive children's health insurance is the first choice for children.

3. Adults are the best insurance for children, and don't ignore the protection of adults themselves, especially the economic pillar of the family. 4. Under the premise of adult protection, the savings of education funds should be considered if the economy allows. Education savings include traditional dividend insurance that is regularly returned according to children in high school, college, entrepreneurship, marriage, etc., as well as investment-based life insurance, which can be withdrawn flexibly, paid flexibly, the sum insured can be adjusted, and unlimited additions.

Hello: Does the baby have social security? If not, it is recommended to improve the baby's social medical insurance first, give the baby a basic medical protection, and then consider commercial insurance.

Social security is the foundation, supplemented by commercial insurance, and both are indispensable. The order of insurance for the baby is: hospitalization, accidental injury, critical illness, education fund, you can refer to the insurance case of a 0-year-old baby, which may be helpful to insure your baby.

Please refer to: Insurance Packages for Children Aged 0; Corning's Regular Critical Illness is strong; Industry overlord well-known brand; Widely known.

Hello! You are a very insurance-conscious parent, and it is a natural choice for parents to have a life insurance policy for their children. The sooner you buy insurance, the more cost-effective, it is recommended to improve the child's social security issues, consider accidents, medical treatment, critical illness and education funds in turn, children's insurance is very good, according to your ability to pay to design a plan suitable for you, details QQ consultation tailored for you.

Want to apply for insurance for your baby, don't know what is more appropriate?

Answer: As the most basic insurance package for children, it is also the most practical insurance package, which should be based on education fund + comprehensive accident hospitalization.

After having a sound insurance foundation, and then considering critical illness and pension insurance, it is like building a building.

Children's insurance (education fund) means that you must have a high school and college education fund, an additional start-up fund, and a wedding fund!

Hello, first of all, improve the baby's social basic medical insurance. Ensure the child's health insurance first, then education, and add accident and general hospitalization medical insurance for the baby's hyperactivity and weak resistance. In this way, the baby's protection is perfect.

There are many commercial insurances suitable for babies, and you must first apply for resident medical insurance for your baby, which is basic. When choosing children's insurance, we should pay attention to several points: whether the policyholder has an exemption function, whether it has a critical illness, whether it can meet the needs of education, whether it has dividend income, and pay attention to these points to achieve a peace of mind and protection in the future.

Hello, the newborn baby should first consider medical security, critical illness protection and minor illness housing reimbursement, and then consider baby education and marriage, you can take a look at the following cases. It is for medical care, education, marriage, and so on. You can also click on the avatar on the left to contact me for reference:

Children's Critical Illness Benefit and Minor Illness Hospitalization Benefit. Blessing Baby Plan.

Ping An of China, from the credibility point of view, Ping An's insurance is better than life insurance, the earth

Hospitalization, critical illness, accident, and then education** and the like.

Buying insurance should depend on the individual's needs.

For children, I personally think that 1) the annual return of money (investment and financial dividends) is very good, and the younger the child, the more money he receives.

2) Children's universal will solve the problems of children's education, marriage, health, pension and other aspects.

What insurance is good, this should be based on your personal insurance ability and what kind of protection you want to provide insurance, you can contact ** person to talk about your requirements to make a plan.

Accident insurance, medical insurance, critical illness insurance, education insurance, etc.

1.Accident insurance: children are lively and active in the process of growing up, bumps and bumps are inevitable, now many families like to have pets, cats scratch the town of the world dog bite are likely to encounter, so a few cents a day of accident insurance can solve the cost of these accidents caused by the expense of reimbursement, try to choose an accident insurance that can include accident medical treatment beyond the scope of social security reimbursement.

2.Medical insurance: children are young, weak immunity, if there are health problems need to seek medical expenses, the cost of medical treatment is also the family's expenses that have to be spent, generally including outpatient medical insurance ** slightly more expensive, pure hospitalization is relatively cheap, depending on their needs to choose.

3.Critical illness insurance, also known as health insurance, is mainly to solve the problem that people may suffer from critical illness in their lifetime (high cost, long illness, may cause a major blow to the family economy) insurance, once it meets the requirements will be directly paid in cash, this is basically the family just needs, the child is generally smaller, the physical condition is good, the underwriting barrier is small, the underwriting probability is high, and the premium is cheaper, depending on the product benefits, company choice, protection period, different protection amounts, or according to their own budget comprehensive evaluation choice.

4.Education insurance, this is the child's growth in the determination of expenditure, in addition to the compulsory education stage, education expenses need to be their own expenses, children are more prenated, hope that the son will become a dragon and phoenix is the hope of every parent, so for the child as soon as possible to prepare a future education ** not and travel rent is only the hope of the parents' life is also the motivation for the child's financial and business cultivation and learning, the earlier the preparation, the easier, the more the cost, depending on the family situation.

5.To tell the truth, family insurance planning is best for the whole family as a whole, in a sense, parents are actually the biggest protection for children, only parents are safe and healthy, can continue to create wealth for children, children's lives are guaranteed, so there is a principle of insurance configuration, under the condition of limited conditions, first protect adults and then children, but accidents, critical illness is just needed for adults and children, is a necessary insurance for life.

The above suggestions are for reference.

It is more appropriate to buy some accident insurance for a half-year-old baby, because children at this age are more likely to have accidents, and this basic accident insurance can ensure that they will not suffer great losses when the pure child has an accident, which is a very necessary choice, to a certain extent, to prevent accidents.

First of all, I would like to bring you a list of the most worthwhile children's critical illness insurance for children this year, and an inventory of the top 10 insurance companies that are "worth buying" of the popular critical illness insurance!

Children's physical functions are not yet mature, their physical fitness is relatively low, and they are prone to illness, so it is a very wise choice to configure insurance for children. There are many types of insurance, what kind of insurance should I buy? Below, we will briefly talk about which types of insurance are suitable for children.

1. Children's medical insurance.

The first thing you should buy when you configure insurance for your child is your child's medical insurance. Medical insurance is a welfare insurance, and his premium is composed of three parts: "individual payment", "collective support" and "** subsidy". The premium is very low, only one or two hundred yuan per year, so the first insurance that should be configured for children is medical insurance.

However, his disadvantage is that the protection is low, there is a minimum payment line, a ceiling line, and many self-financed drugs cannot be reimbursed. Therefore, if you only buy medical insurance, the risk protection is not enough, and you have to buy commercial insurance to supplement it.

2. Critical illness insurance.

Critical illness insurance is an insurance policy used to protect against financial losses caused by critical illness. Unlike medical insurance, critical illness insurance is a benefit-based insurance, which can be paid if you have an illness that meets the definition of illness agreed in the insurance contract. If the child suffers from a serious illness, parents can get a lump sum insurance compensation, and parents can take care of the sick child with peace of mind without thinking about money.

There are also a lot of critical illness insurance plans for children that are specifically designed for children, with more comprehensive coverage, and some can also be supplemented with benefits such as policyholder waivers.

3. Medical insurance.

"Million medical insurance" and "small medical insurance" are two more real types of insurance in medical insurance, of which the role of million medical insurance is to cover serious illnesses with relatively high medical expenses, and the insurance amount is generally between 100300000000 and the deductible is between 1200000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000 The small medical insurance is one of the types of medical insurance, his insurance amount is relatively low, the reimbursement amount is generally only 1 20,000 yuan, but in terms of deductible, he is also relatively low, only about 100 200 yuan, and even some small medical insurance deductibles are 0. His coverage is very suitable for the needs of children, including medical expenses due to illness and accidental injury, as well as general medical outpatient expenses.

There is general outpatient medical insurance, and even children with colds and fevers can be reimbursed.

4. Accident insurance.

Children are more curious, but also more active and lively, in daily life often occur some bumps, such as fall injuries always occur from time to time, so it is more necessary to buy a child accident insurance, choose the content of the protection covers the common accidental injuries in daily life, such as cat and dog bites, sports fractures and so on

Xueba said insurance, only recommend the most suitable child insurance! This year, the comparison table of 136 hot-selling children's critical illness insurance has been updated, now for free, click to claim now.

How to buy insurance for your childThis problem has made many parents think hard, so let's take a good look at how this problem should be solved! Follow these three criteria::

First, take care of the medical insurance first!

After the child is born, as long as the household registration is registered, you can immediately apply for neonatal medical insurance (urban and rural residents' medical insurance), whether it is a major illness or a minor illness, basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, in addition to the basic insurance of national medical insurance, commercial insurance should also be considered, and critical illness insurance + medical insurance + accident insurance should be given priority.

Let's start with critical illness insurance, which provides coverage for as long as possible. Secondly, critical illness insurance pays cash directly after getting sick, which can not only solve the problem of medical expenses, but also solve many additional expenses caused by illness, such as the delay in study caused by medical treatment and some losses in subsequent life, which require a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems in the future.

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, the sum insured of 10,000 yuan, and the annual premium is only one or two hundred yuan, which is not expensive and very useful.

Finally, it is necessary to configure an accident insurance, children's accident insurance is very cheap, 200,000 yuan per year is only sixty or seventy yuan, which can fully protect the child's accidental death, disability and medical expenses caused by accidents, and it is very cost-effective.

Third, don't buy both types of insurance for your child!

Don't choose life insurance for your child, and try not to attach both liabilities to critical illness insurance. The specific reasons I know are in this answerHow to buy insurance for your child without being cheated? This guide tells you!

There has been a detailed introduction in , so I won't go into too much detail here.

According to the above insurance ideas, if you are configuring regular protection for your child, you can configure it for 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is very practical.

That's all for me"The baby has recently turned one year old and wants to start buying him an insurance, how can I buy insurance?"