What are the types of health insurance What kind of health insurance is good for children?

Xueba said that insurance only helps families who really want to buy insurance for their children! This year, the comparison table of 136 hot-selling children's critical illness insurance has been updated

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How to buy insurance for your child

This question has stumped many parents, so let's sort out the methods and ideas for buying insurance for children! Keep these three tips in mind:

First, medical insurance is essential, especially for children!

Newborn medical insurance (medical insurance for urban and rural residents) is a national basic insurance, and the child should be handled immediately after birth, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so this must be handled for the child.

Second, the three types of commercial insurance, critical illness insurance + medical insurance + accident insurance, should be configured together after handling medical insurance.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection. Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to being used to treat the disease, it can also solve other associated problems, such as the delay in school caused by medical treatment and some losses in subsequent life, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance policy can be used to solve these problems.

Look at 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, with an annual premium of one or two hundred yuan, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, it is necessary to have an accident insurance, the child's accident insurance is very cheap, 200,000 yuan per year is only sixty or seventy yuan, you don't see that the money is not much, but in fact, the protection is quite extensive, accidental death, disability, accidental medical liability are within the scope of protection, and the cost performance is quite high.

Third, what are the insurance policies that are not recommended for children?

Don't assign life insurance to your child, and try not to choose critical illness insurance with both liabilities. I know the specific reasons in this articleTeach you how to buy insurance for your child!

has been introduced in detail, because there is already a detailed analysis in the manuscript, so I won't spend too much space here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, 1000 yuan per year can be fully configured, if you buy lifelong protection, it is only two or three thousand per year, which is quite cost-effective.

That's all for me"What are the types of health insurance? What kind of health insurance is good for children?"All of them, I hope it helps you! Hope!

Hello, health insurance is a type of insurance that takes the health status of the insured as the basic starting point and provides compensation for the medical expenses of the insured. Health insurance can be divided into the following three types:

Children's health insurance mainly includes critical illness insurance, medical insurance and accident insurance.

1. Critical illness insurance: The probability of critical illness in children is increasing day by day, and parents need to give their children the best conditions to increase the chance, but the cost of transportation is extremely expensive, and critical illness insurance can effectively solve this problem. Children's critical illness insurance is cost-effective and has high insurance leverage.

2. Medical insurance: For children due to physical functions and other reasons, outpatient hospitalization** is the norm, and now it is expensive to go to the hospital, medical insurance can help alleviate the accumulated medical expenses. Medical insurance can be divided into million medical care and small medical care.

Medical insurance is a reimbursement product, which is mainly used to reimburse hospitalization. The combination of the two can basically achieve 100% reimbursement.

3. Accident insurance: children are vulnerable to the threat of external accidental injuries due to their weak safety awareness, and accidental injuries can cause physical injury to children and may cause loss of life.

I think Ping An Insurance's ** is good, and I bought a comprehensive medical insurance for my children. The scope of protection is very wide, and the aspects of parents' responsibility for ease of relief are covered here. For example, hospitalization and accidental hospitalization allowance, these are all likely to be used by children.

In addition, there is also protection for critical illness, and the amount of coverage is 500,000, which is still a lot.

Children's health insurance mainly covers the expenses incurred by children due to illness**, hospitalization and surgery. As a health insurance specifically designed for children, this type of product generally covers a variety of high-risk diseases in children, such as leukemia, anemia, abnormal bleeding and other diseases.

The insurance amount is generally between 200,000 and 500,000 yuan, which can effectively make up for the ** expenses and surgical expenses incurred by children suffering from such diseases. Cons grandson.

In addition, with the optimization of the products and services of major insurance companies, the children's health insurance will also provide additional protection such as green medical treatment, expert outpatient clinics, and overseas medical treatment.

Test your anti-risk index, experts will interpret it for you for free!

Health insurance is suitable for children. Medical insurance, sickness insurance, loss of disability income insurance, and nursing care insurance are combined into health insurance. Everyone is familiar with critical illness insurance and medical insurance.

1) Critical illness insurance.

Critical illness insurance is a type of insurance born for critical illness, which is more suitable for children, young people, and middle-aged people, and the earlier you apply for insurance, the cheaper the premium.

When choosing critical illness insurance, you need to pay attention to:

1. Mild, moderate and critical illness protection should be complete.

As an excellent critical illness insurance product, in addition to critical illness protection, it also covers mild and moderate illnesses. The more types of high-incidence diseases covered by mild and moderate illness, the better, which increases the probability of claims. However, when it comes to serious diseases, the more the better.

The new critical illness regulations promulgated by the state stipulate that any critical illness insurance must cover 28 types of high-incidence critical illnesses, so it can be said that the critical illness protection of the insured is sufficient, so there is not much difference between the types of critical illness protection and the types of critical illness protection, whether there are 100 or 80 types of critical illness insurance.

2. Choose an adequate sum insured.

Now, the cost of critical illness is about 300,000 yuan, and if you want better means, the cost must reach at least 500,000 yuan. Therefore, when we buy critical illness insurance, it is recommended that the insurance amount should be at least 300,000 yuan in order to play a basic role in protection. If you have a larger purchase budget, we can also expand the amount of coverage.

The mystery is inside

3. It is better to have multiple claims for cancer and other bonus points.

Critical illness insurance should not only have basic benefits such as death and waiver of the insured, but also have the advantages of multiple claims for cancer, so as to achieve more comprehensive protection. More detailed suggestions on critical illness insurance have been summarized for everyone, essential dry goods, worth having:"Top 10 New Definition Critical Illness Insurance** Points to Buy".

2) Medical insurance.

Medical insurance is mainly complementary to medical insurance, with the effect of reimbursement, you need to pay attention to the following when purchasing

1. Pay attention to the content of guarantees.

The basic coverage of medical insurance includes general hospitalization and critical illness hospitalization, special outpatient services, outpatient surgery, and outpatient and emergency services before and after hospitalization. The terms of the excellent million medical insurance, the terms of the protection of Fan Ye ridge must be as comprehensive as possible, so this also means that we can enjoy more reimbursement coverage, and there are more medical expenses to be reimbursed in the process of hospital**.

2. Look at the renewal conditions.

When we are usually choosing medical insurance, it is more worthwhile to have products with lenient renewal conditions or guaranteed renewal. In other words, a good medical insurance product will not refuse insurance or increase the premium because the insured's health has deteriorated or the insured has been claimed.

3. Pay attention to value-added services.

Including cost-effective value-added services, inpatient medical expenses advance, medical green pass, proton heavy ion reimbursement and so on are generally available, the more the better. If you still want to know more about the value-added services of medical insurance, the following article has what you want to know:"You know what medical insurance is"Value-added services"Is it?

[Write the Heng Spine Banquet 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 said insurance, only recommend the most suitable child insurance! This year, the comparison table of 136 hot-selling critical illness insurance for children aged 0-18 has been updatedand click Claim Now.

How to buy insurance for your childFirst, medical insurance must be handled well, which is the basic guarantee of the people!

After the child is born, as long as the household registration, you can immediately apply for neonatal medical insurance (urban and rural residents' medical insurance), 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, must be handled well.

Second, the three types of commercial insurance, critical illness insurance + medical insurance + accident insurance, should be configured together after handling medical insurance.

Let's start with critical illness insurance, which provides coverage for as long as possible. Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to solving the first expense, it can also solve other associated problems, such as delaying homework due to illness, which requires a lot of cash. Buying a pure protection critical illness insurance policy can be used to solve these problems.

In addition, medical insurance can be used to reimburse the medical expenses of children's usual medical treatment, for example, a 0 deductible hospitalization medical insurance, with an insurance amount of 10,000 yuan, which is only 1,200 yuan per year, which is cost-effective and practical.

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

Third, what are the insurance policies that are not recommended for children?

Don't buy life insurance for your children, and try not to attach both-both-to critical illness insurance. The specific reasons I know are in this answerDon't buy either type of insurance for your child! Comprehensive insurance strategy!

There is a detailed introduction in it, and because it is written in detail, I will not introduce it here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, you can get it for 1,000 yuan per year, if you buy lifelong protection, it is only two or three thousand per year, cheap and useful.

That's all for me"Which is the best way to buy baby health insurance?"

Hello! Under normal circumstances, when buying insurance for children, you should focus on accident insurance, medical insurance and other protective insurance, and then if economic conditions allow, you can buy some education insurance as an investment in your child's education.

Or a combination of insurance, including accident protection, medical protection and critical illness protection, and the critical illness premium will be refunded if no critical illness occurs at the end of the year.

Health insurance can usually be divided into two types: medical expense reimbursement products and benefit products. Critical illness insurance is a benefit-based product, and if you have insured products from different companies, each company will pay for the insurance accident at the same time. Commercial medical insurance is a kind of reimbursement type of health insurance, which is generally divided into accident medical insurance, illness medical insurance and hospitalization allowance insurance, of which disease medical insurance can also be divided into inpatient and outpatient insurance.

For parents of children whose children have already covered children's medical insurance and children's medical insurance, the strategy of purchasing insurance should be to focus on purchasing subsidized medical insurance or critical illness insurance on the basis of making up for the lack of social insurance by hospitalization medical insurance. For those children who do not enjoy social insurance, the above three types of insurance will effectively supplement the lack of children's insurance protection.

Because children are more susceptible to diseases and many of them are minor illnesses such as colds and fevers, which cause a lot of medical expenses, it is recommended that parents give priority to products that provide inpatient medical insurance when applying for children's health insurance to alleviate the financial pressure caused by medical expenses. Different children's health insurance** is different, and parents must refer to their children's own circumstances to choose.

In addition, considering the issue of children's future education**, parents with better family economies can give priority to return-based health insurance products when choosing health insurance for their children, because return-based children's health insurance products can not only provide comprehensive health protection for children, but also obtain premium refunds, and the returned premiums can be used as financial support for children to receive a good education in the future. When parents purchase this type of health insurance, it is recommended to choose based on their own family economic income, so children's health insurance** is between 100,000 and 300,000 yuan. In terms of the number of years of payment and the time to receive the refund of premiums, it is recommended that parents carry out a comprehensive and comprehensive plan before purchasing insurance to ensure that their children can receive sufficient education funds at the junior high school, high school and university levels in the future.

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The child first goes to apply for medical insurance, and then matches commercial medical insurance with accident insurance, and then with critical illness insurance. Finally, it can also be accompanied by an education fund.

First, medical insurance recommends matching small reimbursement and millions of medical treatment, children have poor resistance, are prone to colds and fevers, and are more likely to incur medical expenses. For example, if you are hospitalized with peace of mind, you can enjoy millions.

Second, accident insurance, after the child can walk, bumps and bumps are inevitable, which can include accidental medical treatment and disability. For example, personal accident insurance, peace.

3. Critical illness insurance, you can choose regular or lifelong, ranging from 200,000 to 500,000. For example, children's super treasure, Jinnuo life.

In general, according to your family situation, you can configure insurance for your children, and the premium for protection is 2000-7000.

Fourth, generally speaking, the order of purchasing insurance policies in the family is that adults first and then children, those who earn money first, and those who spend money later.