How do children buy insurance?

Insurance is very important for poor families, because after a serious illness, the only savings at home may be gone, and there is no extra money to pay for treatment.

This is why seniors have always stressed that the sooner you get insurance, the sooner you have protection! It is more cost-effective to buy insurance for children as soon as possible, and there are more products to choose from, and the premium is also cheap. To this end, senior sister wants to tell you something about children buying insurance today!

Before the lecture, Senior Sister will arrange a guide for you to buy insurance:

Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.

First, the distribution plan for children to buy insurance is open!

Parents, when configuring insurance for their children, there are the following configuration schemes: critical illness insurance+medical insurance+accident insurance. Below, we analyze them one by one:

1, children with critical illness insurance, recommend Mommy Baby Newborn Edition.

It's no use talking. Let's learn the essence of the new version of Mommy Bao Bei:

This Mommy Baby Newborn Edition is specially designed to protect children's critical illness insurance. This product is very commendable in terms of insurance rules and protection contents.

For example, the new version of Mommy Bao Bei's basic guarantee responsibility is comprehensive, and the compensation ratio is well set. One more thing, Mommy Bao Bei's new optional protection includes not only two payments for malignant tumors, but also accidental hospitalization allowance for children's medical treatment and vaccination.

Before the age of 25, the insured can not only enjoy accidental medical care for children, but also enjoy accidental hospitalization allowance for children, which is very suitable for children!

To seniors' surprise, the reimbursement amount of children's accidental medical treatment in any policy year is 1 000 yuan, and at the same time, it can also be deductible.

In addition, Mommy Bao Bei's newborn version of child-specific diseases even reached 20 kinds of child-specific diseases, and the first visit not only paid, but also reached 200%; In addition, five rare diseases of children are also guaranteed, and the maximum compensation for the first serious illness is 300%.

If the insured is 500,000 yuan and unfortunately diagnosed as a child-specific disease, you can get 6,543.8+0,000 yuan, which is directly doubled!

If parents with children want to continue to learn about the new version of Mommy Baby, it is better to learn through this article:

The new Mommy Baby Newborn Edition still has these shortcomings. ...

2. Provide children with millions of medical insurance, and the senior sister recommends beyond insurance 2020.

Millions of medical insurance suitable for children, senior sister suggested buying Bao Chao 2020. Let's take a look at the guarantee content of this product first:

Beyond insurance 2020 is a critical illness insurance, and it can also be guaranteed to be renewed for 6 years. The coverage is very detailed, including general hospitalization, serious illness hospitalization and outpatient medical insurance.

On reflection, Chaoyuebao 2020 also comes with a children's fuel kit, which includes children's accidental hospitalization allowance, children's general accidental hospitalization allowance and children's special disease allowance. It is really suitable for children to buy ~

What friends need to pay attention to is that the minimum deductible beyond insurance 2020 is only 5000 yuan. Compared with those medical insurance with deductible 1 000 yuan, beyond insurance 2020 is more friendly to the insured!

The child was provided with accident insurance, and this list was collected quickly.

The coverage of most accident insurance is similar. Men, women and children can buy suitable products, and a few hundred dollars a year can buy good products.

Excellent accident insurance suitable for children includes Ping An Xingwang Children's Accident Insurance, Dida Bodyguard II Accident Insurance-Children's Edition, PICC Baoxia Children's Insurance and other products. Parents can choose suitable products according to their children's security needs and family economic situation.

The above is the configuration scheme for your parents to buy insurance for their children. Remember to keep it ~

In the next time, let's take a look at what problems we need to pay attention to when buying insurance for our children.

Second, what principles should be followed to buy insurance for children?

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

Children don't need life insurance, because all the expenses of children are borne by parents, which has no effect on family income, so life insurance is useless to children.

At the same time, the bank insurance regulator has also set an upper limit for the protection of children's death. Even if you buy life insurance, the protection is limited.

As far as children's insurance is concerned, we should know that security is the first and financial management is the second. At present, many parents are most concerned about their children's future education, so they have the idea of allocating financial insurance such as education funds for their children.

However, my senior sister has a suggestion for parents. Children should be provided with insurance against diseases and accidents first. After all, children's growth process is very long, and there are always unpredictable risks of disease and accidents.

Third, the summary of the senior sister

To sum up, for children, the insurance we need to give them priority is critical illness insurance, medical insurance and accident insurance. In addition, it is also essential for children's medical insurance, which can provide children with the most basic medical security.

If all the above insurance types have been purchased and the budget is sufficient, you can add insurance such as children's education funds.

Regarding whether to buy an education grant, Senior Sister personally suggests that you browse this article before making a decision:

Parents must read: Is it necessary to buy education fund insurance? How to choose the right product? 》

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!