1. Children's medical insurance
Children's medical insurance is not commercial insurance, but a kind of welfare given to children by the state, similar to employee medical insurance and resident medical insurance.
Its insurance threshold is very low, and the cost is not very high. Dad suggested that parents buy them for their children, which could transfer some medical and accident risks.
2. Accident insurance
Accidents can happen to all of us. Children are more vulnerable to accidents because they are younger.
For example, burns and scalds, some young people, vaccination accidents may also occur.
The consequences of these accidents range from hospitalization to death.
Hospitalization, on the other hand, costs money and requires parents to take care of their work.
An accident insurance can make up for unexpected medical losses, and if there is subsidy protection, it can also make up for family economic losses.
3. Health insurance
Health insurance generally includes medical insurance and critical illness insurance, while medical insurance is generally divided into micro-medical insurance and millions of medical insurance. Let's make a simple analysis together:
(1) medical insurance
1) Small medical insurance
As the name implies, micro-medical insurance is a medical insurance product with low reimbursement threshold and low insurance coverage, such as children's outpatient and emergency insurance and Xue Ping insurance.
Small medical insurance can reimburse medical expenses as small as 100 yuan. If children often have minor illnesses, you can consider taking out insurance.
2) Millions of medical insurance
Millions of medical insurance is for serious illness, and general outpatient medical expenses are not reimbursed.
Although there are millions of reimbursement quotas, the medical treatment similar to colds and fevers basically can't reach the threshold of claims, and it has its own deductible, which is generally 65438+100000 yuan.
However, according to the current general medical expenses in China, there is little chance of reaching this claim standard.
(2) critical illness insurance
Critical illness insurance, like millions of medical insurance, also transfers the risk of critical illness, but the payment method is different. The former is paid and the latter is reimbursed.
Children can combine the two together, reimburse medical expenses with millions of medical insurance, and make follow-up rehabilitation with serious illness claims.
Because of the high cost of serious illness and long recovery period, it needs sufficient economic support:
4. Life insurance
Children generally don't need to take out life insurance, because children don't bear the main family responsibilities, and it is of little significance to take out life insurance, which will also increase the family's economic burden, so it is unnecessary.
However, families with conditions can buy education funds for their children and prepare funds in advance for their future education and entrepreneurship.
The above are the types of child insurance. If you have any questions, please feel free to ask your father about insurance!