Is it better to buy insurance for your baby at the end of the year or at the beginning of the year

If you have a sufficient budget, it is better to buy insurance for your baby as soon as possible, that is, at the beginning of the year.

Regarding the baby's insurance plan, I have also analyzed it before, and interested friends can read the following article:

In-depth article - How to buy insurance for children? Netizens shouted: Why did you only see it now.

So why buy insurance for your child as early as possible? Mainly because many insurance products now have health notification and underwriting requirements.

For example, when we apply for critical illness insurance, we need to first see whether the insured meets the health notice and whether he has any disease in the health notice.

Generally, critical illness insurance has strict health notices, and the range of illnesses asked is very wide, and some products will even ask whether the insured has been hospitalized for a long time in the past two years**.

Therefore, in case the baby is sick in the future, if you buy it at that time, you may be denied insurance because of poor health and cannot be informed or underwritten by the health of the insurance product.

Therefore, when you have a sufficient budget, if you want to buy a sickness insurance or hospitalization medical insurance for your child, it is better to buy it as soon as possible, so that your child can enjoy protection as soon as possible.

Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance.

Finally, in addition to a family to buy insurance for their children, parents' insurance must not be pulled down, the specific insurance plan can be seen in the following article:

3 sets of plans, complete with the family's insurance.

The age of children's insurance can be purchased from the age of 0, which means that the child is 28 days old, which means that the baby can be insured as long as the baby is 28 days old. Some parents wait until their children are four or five years old to start kindergarten before they start buying insurance, but in fact, the starting point is too late.

We all know that the sooner you buy insurance, the better, the premiums are cheaper, and the longer you are covered. In fact, it is the same for buying for children, if your family conditions allow, it is recommended to buy on the 28th day of the child's birth. If the economic conditions have been limited in recent years, then the child must be configured when he or she is active when he goes to kindergarten.

If the economic conditions are average, then you can plan according to your own family situation, but you must buy as soon as possible, after all, the premium increase is not waiting, and the risk will not wait.

Key points for insuring your child.

1. Children's medical insurance: The process of children's medical insurance is convenient, low, and it is a national welfare, which can provide solid protection for children;

2. Purchase critical illness insurance before the child is three years old, and the premium is relatively low. For parents with a more sufficient budget, they can apply for critical illness insurance for their children that is guaranteed for life and paid multiple times;

3. You can buy savings insurance for your child and plan for your child's future education;

4. Buying insurance should not be compared with each other, and the payment period should not be too long.

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

After 28 days of birth, you can buy insurance if you are in good health, give priority to medical insurance and critical illness insurance, prepare for education and marriage if conditions permit, and finally plan your children's personal financial accounts. Accident insurance can be planned as an adult.

From 0-20 years old, the total cost of medical insurance in these 20 years is about 7,000-10,000 yuan, which can solve the medical reimbursement of 6,000-9,000 yuan per hospitalization, and multiple reimbursements. Outpatient visits due to trauma can also be reimbursed.

If you are more worried about major illnesses and serious trauma, you can purchase a critical illness insurance and million medical treatment with your children, locking in 5000-7000 a year, which can solve large medical expenses (such as leukemia and other expenses of more than one million, which are difficult for ordinary families to cope with by savings), nutrition expenses during the child's illness and loss of work income for parents to accompany them. Although medical expenses can be reimbursed in the end, the most important thing is to be able to get so much money to see a doctor first. If the child has been healthy, it is equivalent to saving a sum of money, which is good as a lifelong critical illness** or one of the wedding standards.

The child's education fund mainly solves the college fee of 18-22, and there is a certain difference between the cost of domestic and foreign studies, and the cost of studying for a doctoral degree may be more. The cost is about 12-200,000 yuan in China, and about 80-100 yuan in foreign countries, and some are higher. Whether it is tuition and living expenses, this age is mainly borne by parents, which is just needed.

It's not easy to make money, and life is risky, so you can use annuity insurance to plan ahead.

Accident insurance payouts are mainly for adults, so you can consider it when you become an adult.

That's the main thing.

Newborns who want to buy insurance must be bought after 28 days of birth, you can buy a medical insurance for newborns, buy an education insurance, and buy an old-age insurance, which depends entirely on your economic conditions.

Hello answer, I have seen your question and am sorting out the answer, please wait a while1. There is no clear time requirement for neonatal medical insurance, and it can be handled at any time within one year of birth, but there are regulations that the newborn can be reimbursed for the medical insurance card within three months of birth.

If you apply for a medical insurance card after three months, you can only reimburse the medical expenses from the time the card is issued. It can be seen that neonatal medical insurance is best handled within three months after the birth of the baby, so that no matter when, the baby is sick and hospitalized, it can be reimbursed.

Accident insurance and town medical insurance can be purchased. Hospitalization for illness can be reimbursed. If you have more spare money, you can buy some commercial insurance, which can receive dividends of investment insurance.

You can buy urban medical insurance within 28 days of the baby's birth, and it will take effect in the second month.

Xueba said that insurance, only help parents who want to buy the right insurance for their children! This year, the comparison table of 136 hot-selling juvenile critical illness insurance has been updatedand click Claim Now.

How to buy insurance for your childThis problem has made many parents think hard, today we will take a good look at what kind of ideas and methods should be followed to buy insurance for children! Keep these three tips in mind:

First, the country's medical insurance must be handled!

Newborn medical insurance (urban and rural residents' medical insurance) is the national basic insurance, the child should be born immediately handled, whether serious or minor illness, the basic medical insurance is particularly important, this is the basic security benefits 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. In addition, critical illness insurance can pay a large amount of cash directly after getting sick, which can not only solve the problem of medical expenses, but also solve other associated problems, such as the economic losses caused to the family by taking care of sick children. Buying a pure protection critical illness insurance can 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, as long as one or two hundred yuan a year, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, let's look at accident insurance, children's accident insurance is very cheap, 200,000 yuan per year is only 60 or 70 yuan, which can protect the child's accidental death, accidental disability and accidental medical liability, which is cost-effective and practical.

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

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

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, about 1000 yuan per year can be fully configured, if you buy lifelong protection, it is only two or three thousand per year, ** low protection and real.

That's all for me"When is the best time to buy insurance for your child? "

1. Children's medical insurance is essential, and it is best to do medical insurance first after the child is full of months. In this way, once the child is unwell, there is no need to worry financially, and he can go to the best hospital in time for observation and **. In addition, in recent years, the probability of children suffering from serious illnesses has also increased.

If there is critical illness insurance, the sum insured is agreed to be 500,000 yuan, as long as the diagnosed disease is within the scope of insurance liability, you can get the money as soon as possible.

2. Accident insurance is the insurance that children need most. It should be noted that the accident insurance can be attached to the accidental injury medical insurance, which can include imported rabies vaccine, steel nails and other items not included in social insurance, which is an effective supplement to the child's resident medical insurance.

3. The demand for education fund security, the mandatory education fund, can ensure that the special funds are earmarked, and have the functions of long-term financial appreciation, premarital property ownership, and private wealth positioning. We have combined the insurance conditions of many insurance companies and come to the conclusion that under normal circumstances, parents can actually insure their children 30-60 days after birth. Of course, there are also many insurance companies that have specially designed children's insurance products, so that children can be insured 28 days after birth.

When it comes to insurance, many people will say, "I'm in good health, I don't need it", "Wait until I'm older", "Wait until I have money", and so on. But none of us knows which will come first, accident or tomorrow, and insurance must be purchased as soon as possible.

It is recommended that the sooner you buy insurance, the better, and in general, you can buy insurance after the baby is 28 or 30 days old. Among them, infant community insurance (urban residents' medical insurance or new rural cooperative medical care) can be purchased after 28 days, most commercial baby insurance can be purchased after the child reaches 30 days, of course, some commercial insurance requires the child to be 1 year old to buy, the specific purchase time parents can consult the insurance company.

What should babies buy to take insurance for the lack of insurance? As children grow up, children's insurance is the best insurance to accompany children. Among children's insurance, children's accident insurance, children's medical insurance and education insurance are the most indispensable.

Children's accident insurance: For newborn babies, because they can't walk yet, the chance of accidents is relatively low, so there is no need to buy children's accident insurance at this time. But when the child starts to learn to walk, the purchase of accident insurance should be done as soon as possible.

At this time, the child's curiosity is growing rapidly, and the awareness of self-protection is still awake, and it is very likely that there will be accidents such as falls and burns, so accident insurance can come in handy at this time.

Children's medical insurance: After the baby is born, parents can first give the child social security, and a large part of the outpatient hospitalization can be reimbursed for the usual illness. Of course, if the family conditions allow, it is recommended to buy an additional commercial children's medical insurance for the child as a supplement, and the expenses that cannot be reimbursed by social security can be made up by commercial insurance.

Children's education insurance: The child's education age generally starts around 6-8 years old, so before that, parents who can afford it can buy education insurance for their children. The biggest role of education insurance is for children's school**, marriage and entrepreneurship**, and it can help children in several important stages of life.

Hello, as soon as the newborn is born, hurry up to buy resident children's medical insurance, and after 28 days, you can buy some critical illness insurance.