Don't blindly buy slogans

Precautions for buying insurance for children are as follows:

Life faces two kinds of objective risks, diseases and accidents, and insurance is to solve the economic losses caused by diseases or accidents. Not everyone needs to buy insurance. For a person with enough wealth, there is no need to allocate insurance for protection, because his wealth is enough to resist risks. However, some families with poor risk resistance don't know how to configure insurance.

The premise of buying insurance for children:

1. Considering the ability to support, the biggest "umbrella" for children is not insurance, but parents. Parents are the breadwinners of the family. As long as parents are alive, all risks of children are guaranteed. As long as parents have sustained economic income and ensure the stability of family financial situation, the impact of children's illness on the family is controllable.

2. Considering the risk factors, the probability of accidents and serious diseases in adults is usually higher than that in children.

Considering the economic losses, children's accidents actually result in more mental losses and less economic losses. Insurance is precisely the compensation for economic losses, so the object of priority protection should be "people who have caused great economic losses to their families after an accident".

Therefore, the correct allocation order of family insurance should be: adults first, children later. Even if you buy insurance for your children first, you should reserve enough premium budget for adults.

Configuration order of child insurance:

According to the basic concept of providing insurance first and then financing, the recommended allocation order of children's insurance is: children's medical insurance, guaranteed insurance products (accident insurance, critical illness insurance, medical insurance) and wealth management insurance products (education fund and annuity).

Children's medical insurance

Insurance is divided into social security and commercial insurance. Social security is the foundation and commercial insurance is the supplement. Social security is a very important national welfare and the basis of many commercial insurances. Therefore, whether you decide to buy commercial insurance or not, you should give priority to children's medical insurance. Children's medical insurance is mainly divided into two categories: basic medical insurance and serious illness medical insurance.

basic medical insurance

After the birth registration of a newborn, parents can go to the community or social security department to handle it. The premium of basic medical insurance is relatively low, and outpatient and hospitalization expenses within the scope of social security can be reimbursed.

Critical illness insurance Plan

Serious illness medical insurance is a guarantee system for the second reimbursement of large medical expenses other than basic medical insurance. If you are seriously ill, you can reimburse 40-90% of your out-of-pocket expenses after the reimbursement of basic medical insurance as long as it is within the scope stipulated by social security. The deductible line is set according to the income and policies of each region, and some regions will also set up graded reimbursement according to the expenses. The higher the cost, the higher the reimbursement ratio.

With children's medical insurance, why is it necessary to buy commercial insurance? The reason for this is the following：

1, drug use and device restrictions. Medical insurance for children is limited to the use of drugs within the scope of social security. For some serious diseases, it is often necessary to use expensive drugs and equipment or some advanced treatment methods, which are usually not included in the reimbursement scope of children's medical insurance, while the reimbursement scope of commercial insurance can be extended beyond social security.

2. Reimbursement limit. The domestic average medical insurance for serious illness generally does not exceed 250,000 yuan. For some major diseases, the limit of 250,000 yuan may not meet the treatment requirements, and commercial insurance is needed to supplement it.

3. Limit the reimbursement ratio. Children's medical insurance is reimbursed according to a certain proportion. Even after the second reimbursement, individuals still have to bear part of the expenses, while some products of commercial insurance can realize zero compensation exemption and 100% compensation.

4. The compensation scope is limited. Children's medical insurance only compensates the actual medical expenses and will not give extra income. The coverage of commercial insurance is far greater than that of treatment. For example, if you buy a critical illness insurance of 6,543.8+0,000 yuan, you can get 6,543.8+0,000 yuan immediately after you are diagnosed with a critical illness. The use can be arranged according to the actual situation of the family, not limited to treatment.

In a word, children's medical insurance is an indispensable foundation, but only children's medical insurance is not enough, and commercial insurance is also needed as a powerful supplement. These commercial insurances mainly include accident insurance, critical illness insurance, medical insurance, education funds and annuities.

accident insurance

For children, nature is active and curiosity is strong. And the lack of awareness of safety protection, so accidents are often accompanied by the growth and development of children. When children learn to walk, they are prone to fall, bump, foreign body suffocation and other injuries; After entering the kindergarten, I played with other children and was bitten and scratched by pets. When children gradually grow up and step into the primary school campus, riding a bike, climbing a mountain and other falls, swimming in the water, drowning and traffic accidents become the main causes of accidental injuries.

In China, accidental injuries are the primary cause of injuries among children aged 0- 14. From 2000 to 2005, the average casualty rate of children aged 0- 14 in China was 20. 1%, and nearly 200,000 children lost their lives every year. The casualty rate of children aged 0- 14 in China is 2.5 times that of the United States.

Accident insurance is one of the most leveraged insurance products because of its low price, so it is recommended to give priority.

critical illness insurance

Many data show that the incidence of serious diseases in children has been rising in recent years, taking malignant tumors as an example:

(1) According to the data of the World Health Organization, the incidence of tumor in children aged 0- 14 in China ranges from two ten thousandths to nine ten thousandths.

② According to the data of China Cancer Registry Annual Report (2009-20 13), from 2006 to 20 10, the incidence of malignant tumors among children aged 0- 14 in China was about one in ten thousand, and it increased significantly at the rate of 2.8% per year (as shown in the following figure).

The high incidence of childhood diseases is as follows

Although the probability of infants suffering from serious illness is not as high as that of adults, it is of special significance to buy lifelong serious illness for infants. This is because the baby may suffer from some diseases, which will affect the future commercial insurance.

Some common diseases in children, such as Kawasaki disease, meningitis, pneumonia, hepatitis and so on. It can't meet the claim standard for serious illness, but if the baby has not been insured for serious illness when he is sick, it will be more difficult to get insurance protection in the future.

Children's medical insurance

When children are young, "constant ailments" are the common feelings of many parents. According to statistics, 6 1.5% of 0- 14 years old children's medical insurance claims are concentrated in 0-6 years old children. Bronchitis and pneumonia are the primary causes of claims, followed by hand, foot and mouth disease, oral herpes, fever and gastroenteritis. Children's medical insurance has restrictions on the proportion and scope of reimbursement, which can be further supplemented by purchasing commercial medical insurance.

type

Millions of medical insurance: the price is low, and the deductible is RMB 6,543.8+0,000 yuan. The general wards of public hospitals above Grade II are reimbursed, and some imported drugs cannot be reimbursed, which will pass on the larger medical expenses.

Mid-to-high-end medical insurance: no deductible, medium insurance, medium price and high-quality medical services, covering special wards and international departments of public hospitals. For example, MSH enjoys life and is paid directly by insurance companies and hospitals. Medical expenses are not paid in advance, and all serious diseases are paid.

Ultra-high-end medical insurance: no deductible, high coverage, high price and high quality medical services. High-end medical care usually has the following advantages: First, the medical service is good. Low-end medical care can only be sought in general departments of public hospitals. High-end medical care can cover special needs departments of public hospitals, international departments and private hospitals. And even enjoy the high-level medical services of the world's top medical institutions.

Second, a good medical experience, exclusive account managers, hospital representatives and other services, and some medical products also include global emergency rescue, air tickets and hotels. For children, high-end medical insurance usually needs to be insured with parents, and only a few products can be insured separately.