Children s insurance, how to get children s insurance

Ping An's life insurance is doing very well, you can consider it. Recommendation: If the economic conditions are good (the annual premium can be more than 5000), you should save a little education fund for your child, you can choose Ping An Children's Magnum, Century Angel, and Jixing Gift as the main insurance, with additional critical illness, hospitalization and accidental injury medical treatment; If the conditions are general (annual premium payment is less than 3000), you can consider Xinli, Xinxiang or Xinsheng as the main insurance.

Additional critical illness, hospitalization, and accidental injury medical treatment.

Due to the weak resistance and self-protection ability of children, medical insurance is the first choice. However, medical insurance is now available as an add-on for all insurance companies and is not sold separately (except for card-based business). 0 2-year-old babies, due to weak resistance and self-protection ability, so the premium is relatively expensive (about 1,000 a year), and as they grow older, they will gradually become cheaper.

After the age of 3, it will gradually become cheaper. Due to the weak resistance and self-protection ability of children, medical insurance is the first choice. However, medical insurance is now available as an add-on for all insurance companies and is not sold separately (except for card-based business).

0 2-year-old babies, due to weak resistance and self-protection ability, so the premium is relatively expensive (about 1,000 a year), and as they grow older, they will gradually become cheaper. After the age of 3, it will gradually become cheaper.

Insurance is to give children a safety guarantee, and only with protection can other things be done. When you encounter difficulties, you can help your children get through the difficulties, I think Pacific Life's Hongxin life is good, plus the hospitalization medical surcharge is very good, this insurance can receive a blessing once a year (9% of the sum insured), is the fastest return to a product on the market. Dividends plus compound interest, the effect of financial management is more obvious.

The insurance options for children include accident insurance, medical insurance, critical illness insurance, education insurance, etc., which need to be selected according to their own needs and pay attention to relevant details.

In the process of growing up, children will face many uncertain risks, insurance planning is generally a bright expression of love that parents want to give, and the selection of insurance framework can be referred to as follows.

1.Accident insurance: children grow up lively and active, bumps and bumps are inevitable, now many families like to have pets, cats and dogs are likely to encounter, so a few cents a day of accident insurance can solve the cost of reimbursement caused by these accidents, 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 to cash, this is basically the family just needs, the child is generally smaller, the physical condition is good, the underwriting obstacle 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 of the early stage, education expenses need to be their own expenditure, children eugenics to be better educated, 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 ** is not only the hope of the parents' life but also the motivation for the child's financial intelligence training and learning, the sooner you prepare, the easier, the more the better, depending on the family situation.

5.To tell the truth, family insurance planning is best for the whole family to plan, 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 the insurance configuration has a principle, under the condition of limited conditions, first protect adults and then children, but accidents, critical illness is just needed by adults and children, is a necessary insurance for life.

The above suggestions are for reference, love him to protect him thoroughly, and it is also a contract to accompany his lifelong love, and it is a good way to cultivate children's financial intelligence.

Generally, when buying insurance for children, you should first purchase children's medical insurance. For families with average financial strength, after purchasing children's medical insurance, they can consider only buying accident insurance and medical insurance. Families with a slightly stronger financial situation may consider taking out critical illness insurance for young children.

For families with strong financial strength, education insurance can be added to the health insurance for their children. The basic idea of configuring children's insurance is mainly divided into children's medical insurance education funds.

1. The principle of "adults first, then children" is a point that cannot be avoided when purchasing children's insurance, because children are not yet able to take on family responsibilities alone, and they also need the protection and nurturing of their parents. To put it simply, parents are the most powerful umbrella for children, and if parents fall, children will lose the most important protection. Therefore, it is a wise choice for parents to do a good job of their own protection before configuring insurance for their children.

2. Children's medical insurance is a medical insurance service provided by the state for children, and children's medical insurance can provide basic disease protection for children. Children's medical insurance provides targeted protection for high-incidence diseases in children, and provides medical expense reimbursement services such as hospitalization, **, surgery, etc., which belongs to China's basic medical system.

3. Give priority to the child's first commercial insurance to recommend accident insurance, because the child is young, the sense of danger is still relatively weak, if the child is insured with accident insurance, these economic losses can be directly transferred to the insurance company, giving the child better medical protection at the same time, but also reducing the family's financial burden.

4. Medical insurance is a reimbursement product, which is mainly used to reimburse hospitalization. At present, small medical care is generally about 10,000 yuan, and million medical insurance is a product that reimburses more than 10,000 yuan, and the insurance amount can be as high as 6 million. If the family's economic strength allows, you can choose high-end medical insurance with high insurance amount and high deductible, which has more abundant medical resources than small medical insurance, and the services provided are more perfect, which is good for children.

5. Children's critical illness insurance is actually very cheap and the insurance leverage is very high, because the incidence of critical illness is actually very low in the early childhood stage, so children's critical illness insurance can be purchased when the family's economic conditions allow and they want to get more comprehensive protection.

6. If there are conditions, you can plan the education fund for the child to ensure the quality of education and living standards of the child in the future.

There is no such thing as the best individual life insurance, only the best one for you. There are many people who are ready to buy insurance, they will have a headache, there are so many insurance companies in the country, so many insurance products, it is good to buy that one!! In the end, I compared it and decided not to buy it. It's a shame indeed!

In fact, you must find a professional life insurance staff to buy insurance, according to your needs, your ability to pay, a scientific and reasonable plan tailored for you, he will not affect your current life, but also bring you enough risk protection, he is the best insurance plan for you, but also the most suitable insurance plan for you!

When choosing to insure, you need to pay attention to two points!

Choose a good insurance company!

Choose a good insurance advisor!

As long as you choose these two criteria, you have chosen the best insurance plan!

If you buy insurance for your child, you can buy regular critical illness insurance, million medical insurance, and short-term accident insurance, which can be done for a few hundred yuan a year! First, do not buy life insurance for your children; Second, if the budget is not enough, buy term critical illness insurance; Third, buy the consumption type, don't buy the return type.

There are many similar types of insurance, but the payment is relatively high, at least tens of thousands. I'd like to know about something else.

The expenses you listed are enough to make a plan for the baby, where do I go to the city? It is recommended to contact the local ** people. I'm in Shenzhen, if you are too, you can ask me.

If the conditions are not very good, it is recommended that you buy it yourself, and the child only needs medical insurance.

Ensuring that a child's education requires parental care. After all, you are healthy and safe, and your children can be truly protected.

It also depends on whether you are concerned about the cost of your child's college or the medical aspects.

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!

Now if the family situation is not very good, you can choose to pay for a longer time, so that the premium will be amortized evenly to one less per year, which can reduce the pressure on the family.

You can choose some products that have both worlds, that is, the kind that can receive a survival fund, and you will not receive it until the child gets married, or a little more than 4000 or so, there are many types of insurance to choose from (it is estimated that you have already bought I wish you a harmonious family).

The first point is that children should never buy life insurance, because life insurance is enough for the family's financial support. Secondly, the budget is not enough to buy a fixed term, buy for ten years, and wait for ten years after the baby grows up, you can configure a suitable product for yourself at that time. Finally, don't buy dividends, this kind of insurance is actually incomplete, and dividends are not as good as bank deposits.

【One of the children's insurance selections】New China Life Insurance - Green Shade Term Life Insurance (low premium, the most economical and practical anti-risk protection).

Issue age: Primary insured (one parent): 21 to 55 years old.

Secondary insured (child): 0 to 16 years old.

Example: Mr. Wang, 26 years old; Son: 1 year old;

Sum insured: 100,000 yuan;

Duration of insurance: 25 years;

Payment period: 25 years;

Annual premium: $580.

Policy benefits: 1. Before the son reaches the age of 25, if Mr. Wang dies or becomes totally disabled due to an accident or illness one year later, the maintenance allowance will be paid every year thereafter

10,000 yuan per year (up to 120,000) for 11 years old

20,000 yuan per year for 17 years old (up to 120,000 yuan).

30,000 yuan per year for 23 years old (up to 180,000 yuan).

100,000 yuan per year, and the contract is terminated (up to 520,000 yuan).

2. After the son reaches the age of 25 and before the expiration of the contract, if Mr. Wang unfortunately dies or becomes totally disabled, the insurance will be paid 100,000 yuan, and the contract will be terminated;

3. Upon the death or total disability of Mr. Wong, the remaining premium will be waived.

4. If Mr. Wang unfortunately dies or becomes totally disabled due to illness within one year of insurance, he will pay 816 yuan to his son, and the contract will be terminated;

5. If the son unfortunately dies before Mr. Wang, the premium will be refunded and the contract will be terminated.

Children's Insurance Selection No. 3] Ping An Children's Happy Growth Insurance Card (100,000 yuan hospitalization protection).

Insurance Cost: 0-2 years old:

350 yuan; 3-18 years old: 150 yuan.

Number of insured copies: Limited to 1 per person.

1. Death due to accident and disease

30,000 yuan.

2. Accidental medical treatment

5000 yuan.

3. Inpatient medical treatment (accident and illness):

100,000 yuan. 4. Critical illness: 10,000 yuan.

There are three types of children's insurance:

1. Children's accident insurance.

2. Children's health insurance.

3. Children's education fund insurance.

Purchase procedure: 1. Determine the insurance needs and the purpose of insurance, and choose the type of insurance according to your own needs, because only when the needs are clear can you buy the most suitable insurance for your children.

2. Choose a suitable and satisfactory insurance company.

Buying insurance is to buy lifelong protection, not only to see the type of insurance, the cost of insurance premiums, but also to see the credit, strength and service level of the insurance company.

3. Select the type of insurance you need.

There are many types of children's insurance, including accidental injury, hospitalization, critical illness payment, education**, endowment, savings and dividend insurance, etc., so you must choose the type of insurance according to your own needs and actual situation.

4. Determine the insurance funds

The protection of insurance is not measured entirely by money, insurance is a right that everyone can enjoy, and any family should be able to afford it.

5. No one wants to suffer misfortune on how to get a claim after an accident, but in addition to the pain, we still have to keep a clear head and fight for our own rights. Any insurance company can complete the claim within 10 days after receiving the report, but the premise is that the parents must actively cooperate and the formalities must be ready.

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