What is the best and most cost effective insurance for your child?

It is appropriate to buy children's accident insurance, children's medical insurance, children's critical illness insurance, and children's education fund insurance for childrenThe function of insurance is to protect, and parents need to follow the principle of "prioritization" when choosing the first insurance product for their children. When insuring children, you can pay attention to protection first and then education, first insure the risks that are likely to occur in childhood, and then insure the risks that are "far away" from the child. Here's what you know:

1. Children's accident insurance

When purchasing children's accident insurance, you can choose a comprehensive accident insurance product for your child, and you should pay special attention to some accidents that occur frequently in children, such as poisoning, falling, burns, etc.

2. Children's medical insurance

You should choose a product with a short waiting period and low deductible, and you can choose a product that can be both outpatient and inpatient when applying for insurance.

3. Children's critical illness insurance

This kind of insurance for serious illnesses mainly depends on what major diseases can be covered, especially some common serious diseases in children, such as leukemia, encephalitis, etc., which should be included in the insurance liability.

4. Children's education fund insurance

After improving the above personal health protection, parents can apply for children's education insurance for their children, and pay attention to choosing products with premium waiver clauses when applying for insurance.

Generally speaking, it is the most cost-effective to allocate protection insurance such as critical illness insurance, accident insurance, and medical insurance for your child. Before the official introduction, the senior sister will first give a nanny-level strategy for insuring children to those who have no time to read the following: in-depth article - how to buy insurance for children?

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First of all, children are young, the immune system is not fully developed, and they are easily attacked by diseases, and the coverage and reimbursement ratio of children's medical insurance are limited, and cannot help families transfer all economic losses, so it is very necessary to reasonably allocate a medical insurance and critical illness insurance for children. Critical illness insurance mainly protects critical illnesses, and with the protection of critical illness insurance, not only the serious illness ** expenses are settled, but the claim amount can also compensate parents for the economic losses caused by taking care of their children. In addition, generally speaking, the younger you are to buy critical illness insurance, the cheaper the premium will be, so it is very cost-effective for children to allocate critical illness insurance.

Medical insurance can reimburse more than the deductible, and the reasonable medical expenses within the scope of the contract within the insured amount can be used as a powerful supplement to medical insurance. It is usually possible to buy millions of insurance dollars a year for a few hundred premiums, and many excellent millions of medical insurance will also come with value-added services such as green channels, which can help children solve the problem of expensive and difficult medical treatment. You can refer to this list of million medical insurance compiled by the senior sister:

The latest top 10 million medical insurance rankings are newly released!

Finally, accident insurance mainly covers death or disability caused by accidents, and some products will also cover accidental medical treatment. Children are lively and active, and the probability of accidents such as accidental falls is very high, so it is very necessary to be protected by accident insurance. In addition, the premium of accident insurance is mostly between tens of yuan and hundreds of yuan, which is very cost-effective.

Babies need different types of protection at different times, and the most cost-effective insurance is the one that provides the most suitable protection for your baby.

When your baby is born, buying insurance is an important step in establishing comprehensive protection for your baby. We recommend buying some protection products, but before that, you must improve your children's medical insurance. This type of insurance provides medical coverage in everyday life and is a basic coverage that everyone must have.

According to the common sense of insurance configuration, the earlier the baby's insurance is configured, the cheaper, but the infant stage has the full accompaniment of parents, and the risks faced are relatively small, and the configuration of protection products can be suspended. If you want to protect your baby's future education needs, you can consider purchasing education savings insurance to ensure that your baby receives a high-quality education and has enough time to add value.

As babies grow, so do the risks and needs they face. From toddler to adolescence, we can add more protection products. For example, personal accident protection is also very important, and you can consider purchasing children's accident insurance to ensure that your baby can receive appropriate compensation and medical assistance in the event of an accident.

In addition, million medical insurance and critical illness insurance should also keep up, if the budget is limited, you can first invest in million medical insurance, and then configure regular critical illness insurance.

Before the baby enters puberty, it is necessary to further improve the insurance plan, and we can consider increasing the investment in financial products to fund the child's future higher education, entrepreneurship and marriage. Children's investment insurance can help your baby's wealth grow and provide better financial support for their future adult life. Some long-term parents will plan for their children's future pension funds to ensure that their babies receive a certain stable income after retirement.

In fact, the configuration of insurance for the baby is nothing more than protection and savings, no matter what type of insurance is allocated as soon as possible is beneficial and harmless. But we also have to plan according to the actual situation of our own family and the different life stages of the baby.

It is cost-effective to buy critical illness insurance, accident insurance, and medical insurance for your child. When configuring insurance for children, first protect and then educate, first insure the risks that are likely to occur during the child's period, and then educate the type.

Here's a kid's insurance guide you definitely need: In-depth article - how to buy insurance for your child? Netizens shouted: Why did you only see it now.

We need to avoid life insurance, education funds, participating insurance, and universal insurance. Before buying commercial insurance, you should first get children's medical insurance for your child, and then buy critical illness insurance, million medical insurance and accident insurance.

How to equip children with insurance, for the healthy growth of children, it is recommended to buy the following three types of insurance, namely accident insurance, critical illness insurance, medical insurance, because children are more likely to be injured and sick, so it is recommended to give priority to children to choose accident insurance and medical insurance, when we buy critical illness insurance, if the budget is limited, you can choose the word compensation of regular children's critical illness insurance.

Commercial Insurance Family Purchase Order:

From the product (type of insurance): accident, health, pension, investment and financial management, from family members: economic pillars, spouses, children.

Purely from the child's point of view, you can first buy health insurance (including serious illness and hospitalization), and the economy allows to supplement a little education savings, which can be understood as mandatory savings.

Summary. Hello, for children, the risk of accidents and diseases is the most common risk in the process of growth, so critical illness insurance, medical insurance, and accident insurance are essential protections for children, and before configuring commercial insurance, it is necessary to apply for children's medical insurance. As for what insurance is the most cost-effective for your child, you can focus on the following products:

Hello, for children, accident and disease risks are the most common risks in the process of growing up, so critical illness insurance, medical insurance, and accident rock socks insurance are essential protections for children, and before configuring commercial insurance, it is necessary to apply for children's medical insurance. As for what insurance is the best to buy for your child, you can focus on the following products:

1. Million medical insurance products can deal with the risk of high medical expenses, although there will be a deductible of 10,000 yuan in general, but the insurance amount is high, the reimbursement range is wide, and the medical expenses inside and outside the social security can be reimbursed, so it is still very practical to deal with the risk of serious illness medical expenses. This kind of product is also relatively cheap, and you can get it for a few hundred yuan a year. To buy Xianxiang million medical insurance for children, you should not only pay attention to whether the medical protection is comprehensive, but also pay attention to the renewal conditions of the product, and give priority to products with good renewal conditions.

Products such as Tiejia Xiaobao No. 2, Good Medical Insurance Long-term Medical Care (20-year Edition), and e-Care-Medical Worry-Free Long-term Medical Insurance are all good choices that can guarantee long-term renewal.

2. Comprehensive accident insurance is held in accident insurance products, one-year comprehensive accident insurance is super cost-effective, can be done for 100 yuan a year, and the accident protection content is complete, in addition to accidental death and disability protection, it also includes accidental medical treatment and accidental hospitalization allowance protection. In the current market, products such as Little Naughty Boy 2022, Big Bodyguard (Children's Edition), and Ajian Mengbao Children's Accident Insurance are all good choices.

3. Although consumer-based critical illness insurance is more expensive, children are cheaper to insure if they pursue cost-effective products, you can consider consumer-based critical illness insurance, which is about 1,000 yuan per year, and you can get a good critical illness insurance. In the current children's critical illness insurance market, products such as Beiju Suijing, Bumblebee Zhengda, Fosun United Mami, Baobei New Edition, China Merchants Ren and Qingyunwei No. 1 have performed well.

Parents are the best insurance for their children first and foremost, agree? Only if the parents are healthy and can guarantee an income can the children live a carefree life, right?

So should we buy insurance for our children?

It depends on the situation, but the first premise is that the child's insurance can only be considered if the parents have protection.

Because, if something unfortunate happens to the parents, the child will not have the money to provide without income, and if the parents do not make arrangements for the future life in advance, the child will face a very miserable situation. In other words, if both parents have adequate accident, health and life insurance protection, they can consider buying insurance for their children.

Children generally only need to consider two aspects of insurance, one is medical care, and the other is education.

Children's body resistance before the age of 6 is relatively weak, this stage of accident and illness medical insurance must have, now many companies have this kind of products, belongs to the consumer, ** is not expensive.

At present, the two biggest roles of education are special funds and exemption functions (if the parents have any accidents, this insurance money can also ensure that the children go to school), but from the perspective of investment returns, it may not be as high as bank savings.

Therefore, when you choose to buy education, you must decide according to your family's economic situation, and don't blindly follow the trend to buy.

Accident + Medical + Critical Illness: Nothing less.

What kind of insurance should I buy for my child?

There are three policies that are essential:

Accident insurance. Children are active and like new things, so accident insurance is a must.

This is especially true for accidental medical care, where it is inevitable for children to bump and bump while playing. At present, many companies have accident products specifically for children, which are lower and more comprehensive.

Sickness medical insurance.

During the period of 0-6 years old, the child's body resistance is poor, it is easy to catch a cold and fever, and the current medical expenses are so high, so general illness hospitalization medical insurance is essential.

Of course, if the child can enjoy the publicly-funded medical reimbursement from the parents, this part of the protection can be omitted. In addition, many cities now have medical insurance specifically for children's diseases, so parents can pay attention to it.

Critical illness insurance. At present, the cost of critical illness insurance for children is generally not too high, and the premium of one or two hundred yuan can cover 100,000 yuan.

The above three policies are the most important considerations for parents to consider when considering insurance for their children. If it is properly matched, the cost can be controlled within five or six hundred yuan.