In fact, the cost of child insurance is not high. Dad, here's a guide to teach parents how to insure their children. "1000 yuan to get their children's insurance, so you can spend less money! 》
I. Types and prices of child insurance
To provide insurance for children, the order suggested by my father is accident insurance, medical insurance and critical illness insurance. As for life insurance, it is not recommended to provide insurance for children.
1, medical insurance
Medical insurance is divided into general medical insurance, millions of medical insurance and middle and high-end medical insurance, which can solve the medical expenses of outpatient treatment and hospitalization.
2. critical illness insurance
If you buy critical illness insurance, once you are diagnosed with a major disease as agreed in the contract, the insurance company will pay you a sum of insurance money directly. This money can be used for treatment and living allowance.
3. Accident insurance
Accident insurance can solve the problem of children's disability, hospitalization or death due to accidents, but the state stipulates that no matter how high the insurance coverage of children's accident insurance is, the insurance premium for children under 10 can exceed 200,000 because of accidental death.
Second, how to buy the most practical child insurance?
1. Children must buy medical insurance.
Children's medical insurance is a welfare provided by the state to citizens. Even if you have premature birth or congenital diseases, you can participate in insurance, which can be used as the basic medical security for your child.
Buy health insurance
Health insurance includes medical insurance and critical illness insurance, which can help children fight the risk of disease.
3. Configure accident insurance
Children have a strong curiosity and a weak sense of safety, and all kinds of pranks can't be prevented.
It is shocking that more than 50,000 children die from accidental injuries every year.
It is an inevitable demand of every family to buy accident insurance and nip in the bud.