What insurance should a five year old child pay?

If there are no special circumstances, 5-year-old children should be equipped with insurance in the following way: critical illness insurance, medical insurance, accident insurance.

Parents who don't know how to buy insurance for their children can check out this article: In-depth article - how to buy insurance for children? Netizens shouted: Why did you only see it now.

1. Critical illness insurance.

Critical illness insurance is a benefit-based insurance, which is mainly an insurance that provides protection for the diseases specified in the policy. During the insurance period, if the insured is unfortunately sick and meets the conditions for claims, the insurance company will pay a sum of insurance money according to the agreement, which can be used to compensate for the family's financial losses, reducing the family's financial burden to a certain extent.

Parents who don't know how to choose critical illness insurance for their children, you can take a look at this critical illness insurance collection: Top 10 ultra-cost-effective children's critical illness insurance, don't miss this treasure strategy!

2. Medical insurance.

Medical insurance, we can divide it into millions of medical insurance and small medical insurance. The amount of reimbursement for small medical insurance is relatively small, but the ** expenses caused by general colds and fevers can be reimbursed with small medical insurance; The amount of reimbursement for million medical insurance will be relatively high, and the reimbursement scope is relatively wide, and some million medical insurance on the market can also reimburse imported drugs. For a 5-year-old child, it is good to configure both million medical insurance and small medical insurance.

3. Accident insurance.

Children at the age of 5 are more lively and have a strong curiosity about the new things around them, but their safety awareness is relatively weak, and the probability of accidents is relatively large, so it is more important to configure an accident insurance for children.

For 5-year-old children, you can consider purchasing four types of insurance: children's medical insurance, critical illness insurance, million medical insurance, and accident insurance. After the above protection insurance is configured, parents with sufficient funds can also arrange an education fund for their children to help their children's education.

Five-year-olds can consider accident insurance for their children.

and health insurance. This is mainly because there will inevitably be some bumps and bumps in life, and this period is also a period of high incidence of accident risks, so you can consider accident protection for your children. Second, consider health insurance. Current critical illness.

There is a trend of younger age, and some regular health critical illness insurance can be attached.

Words for 5-year-olds. If you want to buy health insurance, you can apply for Pacific "Baby Health" to protect your child from 36 diseases. Guaranteed up to age 25 and 30.

Refund of principal at maturity. You can also enjoy the company's dividends. If you want to prepare an education fund for your child.

You can buy the Pacific "All Red" insurance. Pick it up and pick it up. After enjoying two dividends in the first year, you can also receive a certain amount of dividends every year.

Marriage and pension. Always collar. Receive it for life.

This money is not only available to children. Parents' can also be received. Daily interest and monthly compound interest.

Three generations of one policy can benefit.

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

Hello! Under normal circumstances, for children, accidents, medical and other risks are the biggest risks, you plan to buy appropriate insurance for your baby, it is recommended that you can consider accident insurance, health insurance and other protection insurance, to develop a comprehensive insurance plan for your child.

Suitable for accident and health protection for 5-year-old children, it is recommended that you refer to: Happy Baby ( ) Card Super Edition A, including illness protection, accident protection, critical illness protection, hospitalization medical treatment, accident medical treatment, all-round care for your child, so that your child can grow up worry-free.

Education insurance suitable for 5-year-old children, it is recommended that you choose: Sunshine Journey Education Fund Insurance Plan, an education fund protection plan designed for teenagers and children, you can freely choose junior high school education fund, high school education fund, college education fund and marriage and entrepreneurship fund according to the age and actual needs of the baby. Let every step of the baby's future life be calm and exciting.

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

It's better for 5-year-olds to buy these plans: critical illness insurance, accident insurance, and medical insurance.

Because 5-year-old children are still young, the chance of suffering from critical illness is generally not high, so the premium is very small, and there will be many choices. Let me give you a general idea:

1.Critical illness insurance

The chance of children suffering from critical illness is not high compared to other ages, but in fact, some children with certain critical illnesses are also often affected by children, so it is recommended that parents can buy a copy for their children.

Moreover, the compensation of critical illness insurance can be used not only to treat children, but also to make up for the financial losses caused by parents quitting their jobs to take care of their children, in short, you can spend it on whatever you want.

How much do you have to pay?

It only costs a few hundred yuan a year, and there will be hundreds of thousands of insurance amounts, and the insurance leverage is super high. If you are interested, you can find out"2021 Top 10 [Cheap and High-quality] Children's Critical Illness Insurance".

2.Accident insurance

Children are more lively, and friends are easy to scratch and bruise while playing, buy an accident insurance, you can get a fee from the insurance company after this situation arises**. Is child accident insurance expensive? It is not expensive, less than 200 yuan a year, it is recommended to buy.

3.Medical insurance

Medical insurance is a cost-effective type of insurance, the insurance leverage is super high, ** low, the amount of insurance is high, and the general and critical illness insurance are purchased together, it mainly protects the expenses of hospitalization, drugs and other expenses, so is the premium high? It's not high, it's only more than 100 a year, and the corresponding reimbursement amount is as high as one million.

If you want to buy for your child, don't miss these ones:"Top 10 Million Medical Insurance Rankings Newly Released! 》

[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.

Xueba says insurance, only recommend insurance that is really useful for children! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated, you can click on it to take a look.

How to buy insurance for your childI don't know how many parents who want to give their babies comprehensive protection are stumped by this problem, so let's take a good look at how this problem should be solved! Keep these three tips in mind:

First, medical insurance must be handled well, which is the basic guarantee of the people!

Newborn medical insurance can be handled immediately after the child is registered, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, this is the basic security welfare given by the state, and it must be handled well.

Second, in addition to the national medical insurance, some necessary commercial insurance should also be considered, and critical illness insurance + medical insurance + accident insurance is preferred.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). Secondly, critical illness insurance pays 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 taking care of sick children, and the economic losses brought to the family, which need a lot of cash to make up. Buying a pure protection critical illness insurance can just solve these problems in the future.

Let's talk about medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, as long as one or two hundred yuan per year, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, let's look at accident insurance, it is very cheap for children to buy accident insurance, as long as it is sixty or seventy yuan a year, you can buy 200,000 yuan of protection, which can protect the child's accidental death, accidental disability and accidental medical liability, cheap and useful.

Third, what insurance should not be bought for children?

has been introduced in detail, because it is very detailed in the manuscript, so I will not waste time here.

According to the above insurance ideas, if you configure regular protection for your child, you can get it for 1,000 yuan per year, and if you buy lifelong protection, it will only be two or three thousand per year, which is cheap and useful.

That's all for me"What kind of insurance is suitable for five-year-olds?"

On the basis of buying medical insurance, accident insurance, critical illness insurance and other protection insurance for your children, you can consider buying some education insurance to prepare for your child's college education, such as Ping An's Jixing Sending Treasure, Century Angel, etc.

Protection first, then financial management, you can understand the type of children's protection insurance for PICC health, pure protection and low cost. In addition, there are also financial management, which can save education funds for children.

The school should have accident insurance. Buy some education insurance, you can cash it out after ten or twenty years, so that you can share some funds for your children's future education.

Personal opinion.

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

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

1. If you invest in education funds for children, pay a total of 100,000 yuan in 15 years, then you can receive more than 10,000 yuan when your child reaches high school and college, you can receive 50,000 yuan when you get married, and there are more than 70,000 yuan in the account at this time, if you receive a pension after the age of 60, you can receive more than 5,000 per month, and a total of 1.2 million in 20 years! After the age of 80, there are still about 200,000 in the account! By the age of 100, there will be 680,000 in the account!

Get your premium back every 3 years!

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!