What are the medical insurances suitable for children? Do you have any good insurance recommendations?

Medical insurance suitable for children includes micro-medical insurance and millions of medical insurance. Dad suggested giving priority to allocating millions of medical insurance, and if the budget is sufficient, you can allocate small medical insurance. The children's medical insurance configuration strategy is sent: "Children's medical insurance can be configured like this! 》。

First, the micro-medical insurance applicable population:

1. Weak child

For children who are often ill, children's medical insurance is the most basic guarantee, but there will be a limit on the proportion of reimbursement. Micro-medical insurance can be used as a supplement to social security.

2. Social security is not local

For this part of the family, whether it is hospitalization or outpatient treatment, they need to pay their own expenses. At this time, micro-medical insurance is very important.

3. Want to protect a more comprehensive population

If you want to get more comprehensive protection, in addition to millions of medical insurance and critical illness insurance, small medical insurance is a good supplement.

Evaluation of small medical insurance;

If you pursue 0- deductible: national children's medical insurance I, PICC health baby children's clinic and emergency insurance.

If you pursue cost performance: Allianz Hospitalization Treasure (Scheme 1)

If you want to take care of both hospitalization and outpatient service: warm baby care for children in Huatai outpatient service

Second, millions of medical insurance

Millions of medical insurance belongs to one-year short-term health insurance, so when we choose millions of medical insurance, we should not only look at the routine contents such as guarantee responsibility, price, exemption clause and renewal clause, but also look at the stability of the product, that is, the renewal conditions and the risk of stopping selling.

Million medical insurance assessment:

If we pursue comprehensive protection: everyone enjoys e-health 20 19.

If the body is abnormal: Alipay Good Medical Insurance 2020 Long-term Medical Care, Taikang Micro Medical Insurance 2020 Long-term Medical Care, Allianz Cherish Infinite Medical Care 2020.

If you pursue cost performance: keep people healthy and have good medical insurance.

If you pay attention to the short-term renewal conditions: Ping An E Life Insurance 2020 Guarantee Renewal Edition, PICC 2020 Long-term Medical Care, Taikang Micro-Medicine 2020 Long-term Medical Care.

Generally speaking, it is better to add micro-medicine on the basis of millions of medical care. Micro-medical insurance is not expensive, with many functions and different protection details. So when choosing micro-medical insurance, don't just look at the price, but also compare it with the same type of products to see which one suits you.