What should I pay attention to when buying insurance for my baby?

Parents should pay attention to the following points when buying insurance for their children:

1, pay attention to the principle of first hurry and then slow down. When buying insurance for children, we should pay attention to the insurance protection that children need most, such as serious illness, accident and medical care. Then there is the insurance for education and financial management.

2. Pay attention to the principle of insurance for children first. Parents are the biggest reliance of children and the economic pillar of the family, so only children are insured, regardless of adults. In this way, if parents have an accident or suffer from a serious illness and lose their ability to work, their children's protection and dependence will be gone, so they must pay attention to the protection of adults before taking out insurance for their children.

3. Pay attention that the insured amount shall not exceed the limit stipulated by the CIRC, and the insured under the age of 65,438+00 shall not exceed RMB 200,000. For the insured who is over 10 but under 18, it shall not exceed RMB 500,000.

4. Note that it is best to insure children's insurance with premium exemption function. In case parents cannot continue to pay premiums for some reason, the protection for their children will continue to be effective.

5. Buying insurance for children means that the insurance period should not be too long, especially for families with average income. The time limit for buying insurance for children can be until the child reaches adulthood or graduates from college.

6. Pay attention to the fact that the premium expenditure should not be too heavy, accounting for about 10%- 15% of the total household income.

Extended data:

The type and amount of insurance should be determined according to the family strength and investment budget, and the principle of "guarantee first, income second" should be adhered to.

Insuring children has several advantages: reducing unexpected stress. Children are lively and don't know what danger is. Therefore, it is necessary to insure children against accidental injury. Conditional families can also buy additional financial insurance. If the family's economic strength is really strong and you want to give your children more protection, please ask the insurance company to provide some financial insurance types for combination.

General accident insurance for children and medical insurance with financial strength. These two kinds of insurance are the most basic and economical, and you can get some financial compensation if you encounter unexpected injuries caused by unattended or slight negligence, such as falling, bumping, or car accidents. This kind of insurance doesn't cost much, but the protection is good.

Strong economic strength+education savings insurance. If parents have strong financial strength, buying education insurance is only compulsory savings, which can not only solve the tuition problem of children going to high school, university or studying abroad in the future. Another point is that its income is slightly higher than that of time deposits, and interest tax can be avoided as a family financial planning.

Economic strength is acceptable+children's critical illness insurance. Due to the heavy burden of high medical expenses for major diseases, a family is often under great economic pressure. In the past, insurance companies refused to insure such insurance for young children, but now they have relaxed the age limit. In case after purchase.

Strong economic strength+financial insurance. If the family's economic strength is really strong and you want to give your children more protection, please ask the insurance company to provide some financial insurance types for combination.

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