How to buy insurance for children has always been a problem that puzzles millions of parents. Today, I will help you sort out how to buy insurance for your children is the most correct posture! Please remember these three suggestions:
First, we must apply for national medical insurance.
Children can apply for medical insurance for newborns (medical insurance for urban and rural residents) after registration. Regardless of serious illness or minor illness, basic medical insurance is particularly important, so this must be handled for children.
Second, after buying medical insurance, you can fully configure the critical illness insurance+medical insurance+accident insurance in commercial insurance.
Pay attention to sickness insurance first, which can provide a long-term guarantee (up to life). In addition, critical illness insurance can directly pay a large amount of cash after illness, which can not only solve the problem of medical expenses, but also solve many additional expenses caused by illness, such as children's delay in school due to illness, and even some subsequent life losses, which require a lot of cash to make up. Buying a pure protection type of critical illness insurance can just solve these follow-up problems.
This year's 8 better critical illness insurance for children, I sorted it out in this answer that Baidu knows, click to read! Ten popular critical illness insurance for children in the market.
Let's talk about medical insurance, which can be used to reimburse children's usual medical expenses. For example, it is very practical to configure a 0-free hospitalization medical insurance with an annual coverage of 10000 yuan.
Finally, you need to configure an accident insurance. It's very cheap to buy accident insurance for children. The insured amount of 20w is only 60 yuan to 70 yuan every year, which can protect children's accidental death, accidental disability and accidental medical responsibility, and is particularly practical.
3. What types of insurance are not recommended for children?
Don't allocate life insurance to children, and try not to attach double responsibility to critical illness insurance. I know the specific reasons in this article to answer how to buy children's insurance without being cheated. You will know after reading it! There is a detailed introduction in the book, because there is a detailed analysis in the manuscript, so I won't spend too much space here.
Configure the insurance according to the idea I gave you. If the children are provided with regular security, they can get one year 1000 yuan. If you buy a lifetime guarantee, it will cost 2,000 to 3,000 yuan a year, which is quite cost-effective.
The above is what I said: "Taikang Auspicious Health Insurance Plan (dividend-sharing type) annual payment for children with serious illness and middle-aged serious illness?" All the answers, I hope to help you!
Hope to adopt!