Daughter 1 1 year. What kind of insurance is suitable?

Xueba says insurance, focusing on insurance product evaluation! Do you know what insurance a child should buy at this age? You can read my previous article: Designed for children aged 1 1! The national popular 136 critical illness insurance comparison table.

1 1 year-old children are curious about everything in the world. Many of them begin to go to school and get in touch with the outside world, which will inevitably lead to accidents, but at this time their emergency response ability and self-protection ability are not enough.

At this time, the consideration of buying insurance for children at home should be: children's medical insurance+critical illness insurance+medical insurance+accident insurance.

First, children's medical insurance

Children's medical insurance is a national welfare insurance. It is best to buy children's insurance immediately after the child is born, as soon as the first month after entering the home. We can enjoy the most basic medical security provided by the state. Children's medical insurance can be insured up to 16 years old, and the premium is low, which is definitely worth starting.

Second, critical illness insurance

Critical illness insurance is mainly to avoid the risk when the child is seriously ill but the family has no money to treat the disease. If the budget in this area is relatively small, you can consider the critical illness insurance of 400,000 to 500,000 a year. There are all kinds of critical illness insurance, but only a handful of them are suitable for children. Finally, I found several treasures of children's critical illness insurance: "Designed for 1 1 year-old children! Top ten affordable critical illness insurance for children in 2020.

Third, medical insurance.

Many people always think that medical insurance is similar to social medical insurance, and social medical insurance is enough. But I don't know that in the face of serious illness, social medical insurance not only has a limited reimbursement rate, but also good drugs and treatments are mostly out of its reimbursement range. Therefore, medical insurance can be used as a supplement to children's medical insurance to reimburse the part that is not included in the scope of medical insurance reimbursement.

Fourth, accident insurance.

When we die, are disabled or have medical expenses due to accidents, the insurance company will compensate us. According to the data of National Child Safety Organization, the leading cause of death for children under 0/4 in China/KLOC is accidental injury. Such as falls, burns, animal bites, sharp instrument injuries, etc. , is a common cause of accidental injuries in children.

Therefore, when buying children's accidents, parents should pay special attention and give priority to accident insurance with adequate accident medical insurance. A good accident insurance must be that the lower the deductible, the better, and the higher the proportion of compensation.

Unlike other insurances, accident insurance premiums will not increase with age, so you can consider buying accident insurance for one year. In order to prevent you from making a random choice like a headless fly, I have selected the most worthwhile accident insurance for children in the past 20 years: it is designed for 1 1 year-old children! Top Ten Children's Accident Insurance Lists Worth Buying in 2020

Hope to adopt!

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Source: Xueba said that insurance official website