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Why does the baby have to buy insurance?

Many people plan to buy insurance for their babies after they have children. However, most people have some misunderstandings when buying insurance for their children. Not only did they spend a lot of money, but the insurance they bought was not as good as expected.

So, what must the baby pay attention to when buying insurance? Let's talk about it today

1. Is it necessary for the baby to buy insurance?

Is it worth insuring children? Senior sister's answer is: of course.

On the one hand, because children's immunity is not perfect, compared with adults, they are vulnerable to viruses and bacteria, thus suffering from certain diseases.

Taking childhood leukemia as an example, the incidence rate has always been the first in childhood malignant tumors, and the treatment cost is generally 65438+ 10,000-800,000. Taking ordinary families as an example, we have to say that we have to face greater pressure.

Secondly, children have no sense of self-protection, are naughty, and are particularly prone to unexpected risks when playing. Accidents are the first cause of children's death, among which drowning is often encountered.

Therefore, in the process of children's growth, parents must not be sloppy and try their best to provide personal protection for their children.

It is very necessary to buy insurance for children, but many parents feel confused when taking out insurance, and don't know which insurance is more suitable for children. Intimate seniors have arranged it for everyone, so that everyone can buy insurance for their children quickly and economically:

Children's insurance, the difference between different age groups.

Second, the configuration plan for buying insurance for the baby

Since you want to configure insurance for your child, you must first find out what insurance is most suitable for you.

The following types of insurance are suitable for children: children's medical insurance, critical illness insurance, medical insurance and accident insurance. If the family's economic conditions are good, you can consider giving your child an education fund.

1, children's medical insurance

Most commercial medical insurance can only be insured after 28 days of birth, while children's medical insurance has no restrictions. In addition, children's medical insurance does not include physical health requirements.

Therefore, for children, children's medical insurance is the most basic guarantee, and parents can't be careless about this guarantee.

2. critical illness insurance

When a child is unfortunately diagnosed with a serious illness, not only does the treatment cost a lot of money, but parents also need to spend time and energy to take care of him, and a certain loss of income is inevitable. Critical illness insurance is one of the payment types, and it doesn't matter if the payment voucher for medical expenses is not presented. As long as the terms are met and the diseases stipulated in the contract are the same, you can get the insurance money paid by the insurance company at one time.

This money is used for the treatment and rehabilitation of children's diseases and to make up for the loss of parents' income. There is no problem.

3. Medical insurance

Although children's medical insurance can bring basic protection to children, we must also be clear that children's medical insurance is necessary.

Only the drugs and treatments listed in the Third Catalogue of Medical Insurance can be reimbursed, and the reimbursement rate is very low.

Therefore, on the basis of buying children's medical insurance, buying millions of medical insurance and small medical insurance for children should also be taken into account.

Millions of medical insurance, as the name implies, is often as high as one million, which can not only cover the medical expenses within social security, but also reimburse the expenses outside social security. So it can supplement children's medical insurance.

However, millions of medical insurance generally has a deductible of 1 10,000, and reasonable medical expenses must exceed110,000. It is common for children to have minor ailments. If the medical expenses are not too high, what can we do to resist this part of the risk? In this case, you may wish to choose micro-medical insurance.

Under normal circumstances, the coverage of micro-medical insurance is only 20,000 yuan, but the deductible line of micro-medical insurance is often only 200 yuan or even no deductible line, and the reimbursement threshold is relatively low.

4. Accident insurance

As I have discussed with you before, children are likely to be injured accidentally, not only by falls and fractures, but also by burns. These all require medical expenses.

There are many accident insurances that can reimburse unexpected medical expenses, and cost-effective products also support the protection of sudden death. In addition, many accident insurances have set up accidental death and disability protection.

To sum up, you can configure an accident insurance for your child and give financial support if the child has an accident.

5. Education grant

In the whole process of children's growth, high schools, universities and so on need high expenses to support them.

Therefore, if the economic strength allows, you can also apply for education fund insurance in advance, plan the funds needed for your child's future study, and prepare education funds for your child in advance.

However, the quality of education insurance in the market is uneven. How can Bao Dad Ma Bao find high-yield products? Let's take a look at the product information compiled by this senior:

"The latest! The eight education funds with the highest rate of return in 2022 have been selected ~ "

Third, the evaluation of popular insurance products for children.

There are many popular child insurance products on the market. Take the critical illness insurance as an example, such as Qingyunwei 1, Bumblebee 7, Tongfang Universal Versailles plus, etc.

When we came to insure children's critical illness insurance, most people always thought that cheap premiums and excellent companies were enough. However, this is not the case. It is more important to buy insurance for children to see the content of protection and the proportion of compensation.

Fourth, the precautions for buying insurance for your baby

Seeing this, I believe that everyone already knows what insurance to buy for children and how to buy it. However, seniors should remind everyone that the following matters should be paid attention to when buying insurance for children:

1, it is not recommended to buy life insurance for children.

According to the relevant provisions of the Insurance Law, the amount of compensation for the death of a child has a certain limit:

(1) If the age is below 10, it shall not exceed RMB 200,000.

(2) Those who have reached the age of 10 but have not reached the age of 18 shall not exceed RMB 500,000.

Moreover, children do not need to accept the financial burden of the family, and the economic impact of death on the family is not great at all.

In short, there is no hurry to allocate life insurance to children. Parents are advised to give priority to life insurance such as critical illness insurance for their children.

2. Look at the guarantee content of the product

Take buying a critical illness insurance for your baby as an example. It depends on whether the product has complete protection for mild, moderate and severe diseases, and extra compensation for children with high incidence of special diseases and rare diseases.

Space is limited, and senior sister has compiled a comprehensive insurance strategy for everyone. If you want to buy insurance for your child, take a look at this pit avoidance guide:

In-depth writing-how to buy insurance for children? The netizen shouted: How can I see it now?

5. Where can I buy baby insurance?

After explaining so much to everyone, many people still don't know where to buy insurance.

In fact, buying insurance is nothing more than two channels: online buying and offline buying.

Buying insurance offline means buying insurance in the offline business halls of insurance companies, insurance agents, banks and other channels.

The advantage of buying insurance offline is that it can be insured face to face, and the understanding of insurance products is particularly intuitive.

Online insurance can be through the third-party insurance Internet insurance sales platform, the official WeChat of the insurance company, official website, or the exclusive app.

The advantage of buying insurance through the internet is that the choice space is very large, and it can be directly compared horizontally, and the premium of the product is relatively lower.

Sixth, the family insurance configuration

Many parents will prepare to buy insurance for their children first and forget to directly insure their insurance products. I don't know if they have an insurance accident, their children's lives will be greatly affected. Therefore, before planning to buy insurance products for children, Bao's father, Ma Bao, must make sure that his basic security is complete.

Generally speaking, it is recommended that the family economic pillar be equipped with critical illness insurance, millions of medical insurance, life insurance and accident insurance.

Secondly, for families with better economic level, it is recommended to buy protection for everyone in the family.

After all, it is especially important to insure insurance products for elderly parents. Old people often have some minor physical problems. In addition, because their legs and feet are not so flexible and prone to accidents, they can consider buying accident insurance, cancer insurance and millions of medical insurance for their parents.

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!