So for newborns, do you need to buy insurance? What should I pay attention to when buying insurance? Senior, let me tell you!
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What insurance should a 0-year-old baby buy?
First, how to configure insurance for newborns?
Some newborns have low immunity and imperfect physical development, such as pneumonia, jaundice and eczema. Some serious illnesses require family members to spend time and energy to take care of them, and there can be no problems.
In the process of newborn's growth, the body's resistance is not strong, the environment will change every day, and the people they meet are different. Many bacteria infect children through these routes. If you are not careful, the child will get sick, which is terrible for the child and his family.
Therefore, it is the unshirkable responsibility and obligation of every parent to build a perfect safety guarantee system for newborns. At the same time, try to buy children's critical illness insurance+medical insurance+accident insurance, which are all necessary.
Perhaps most of my friends are parents for the first time and don't know how to configure insurance for newborns. This article has a specific introduction, and you can find the answer here:
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims? 》
I know what kind of insurance to buy for my children, but I am confused about what kind of cost-effective insurance to buy for my children. If you want to know, just keep reading.
Second, how can we choose the right insurance for newborns?
critical illness insurance
In fact, as a newborn, it can already be insured within 25-28 days after birth. At this time, it is the cheapest time in life to buy a critical illness insurance for your baby. You only need to pay 1 1,000 yuan, and you can have a critical illness insurance with a coverage of 500,000 yuan.
Not only can it support the extension of health risk underwriting, but its underwriting process is also very loose, and it is generally not easy to refuse insurance (such as congenital heart disease).
How can we choose the most suitable critical illness insurance for newborns? Now senior sister will introduce it to you!
Comparison Table of Domestic Popular 136 Children's Critical Illness Insurance
medical insurance
If it is financial support, senior still suggests that both medical insurance and critical illness insurance can be bought.
The guarantee of medical expenses can be solved by insuring millions of medical insurance, but the core of critical illness insurance is to pay for the family's economic losses. This combination is a good way to save money and protect the family economy, which can effectively transfer the risks brought by the disease to the family economy.
The most common diseases in children are colds and fever, acute rash in children, mild hand, foot and mouth disease, diarrhea or pneumonia, and minor illnesses can lead to great expenses.
At this stage, the hospital will do various tests for the children, and it will cost thousands of dollars to complete the process. After the examination, it is also necessary to consider some treatment costs for disease diagnosis. It is important to buy a medical insurance for the newborn.
Millions of medical insurance can make up for the large medical expenses of families for serious illness or accidental treatment. In this way, the baby's treatment costs will be relied on.
accident insurance
What does the word accident in accident insurance stand for? "Accident" needs to meet the four conditions of "foreign, sudden, non-disease and unintentional" at the same time. Because it is a safeguard accident, the medical expenses caused by falling accidents can be reimbursed, and the casualties caused by traffic accidents can be compensated.
The core of accident insurance project is accidental death, accidental disability and accidental medical treatment. At the same time, some projects will also be equipped with some hospitalization allowances and other guarantees.
About newborns, it's easy to bump into each other, and it costs money to treat an accident, so it's necessary to buy accident insurance for your baby. But for children, they are not the backbone of the family and do not need to bear the financial pressure of the family, so they do not need to care too much about the amount of death insurance.
The most important thing to pay attention to is the part of accidental medical insurance. How to introduce accidental medical treatment, in other words, the accidental medical responsibility attached to accident insurance products, and the reasonable and necessary medical expenses caused by accidents are reimbursed by the accidental medical department.
Most of them have no outpatient or hospitalization restrictions and enjoy compensation. Children are particularly vulnerable to accidental injuries. The accidental medical treatment of accident insurance covers many accidents that are easy to happen in life. The child fell and hurt when walking, cut by sharp tools and bitten by dogs. These situations all fall within the scope of accidental medical treatment.
Outpatient/hospitalization can solve most children's accidents, so we focus on the reimbursement amount of accidental medical treatment. Among them, the amount of unexpected medical treatment is comprehensively distributed according to its lifestyle characteristics and economic situation. As long as it does not exceed the ability of the insured, it is best to choose a higher amount of accidental medical treatment.
Third, senior sister suggested.
Generally speaking, if you take any risks, you must buy corresponding insurance to transfer the risks. As long as you choose the right insurance, you don't have to worry about the cost of treatment, no matter what disease the newborn suffers from.
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!