Is it necessary for children to buy insurance? What should I pay attention to when buying insurance? Senior, let me tell you!
This article will help you understand some money-saving skills in choosing child insurance. Interested friends come and have a look:
"Less than 1000 yuan, take the child's insurance! 》
First, how to choose children's insurance?
Children will deal with many risks in the process of growing up, but the risks of diseases and accidents are the most important, so children's insurance should choose critical illness insurance, medical insurance and accident insurance.
1. critical illness insurance
Most people think that children are still young and serious illness will hardly happen to them, but in fact, the probability of serious illness is not low at all.
According to the latest data from the National Health Education Reader for the Prevention of Major Diseases, the most serious diseases of minors are malignant tumors, severe hand-foot-mouth disease and benign brain tumors, and the total proportion of these three together is about 70%.
Moreover, the cost of receiving treatment for serious illness is quite high, ranging from hundreds of thousands to millions of medical expenses, which is really a big blow to ordinary families.
If the child is unlucky and seriously ill, one parent needs to take time off or even take time off to take care of the child, and there will be some loss in economic income. Therefore, it is necessary to buy a critical illness insurance for children.
If you have a serious illness insurance, if the serious illness is within the scope of the contract and meets the claim conditions, the insured can get the corresponding compensation. There is no limit to the use of this money, which can not only cure diseases, but also compensate for income losses. , can greatly reduce the family's economic losses.
Many people find it troublesome to choose critical illness insurance. There are all kinds of products. I don't know how to choose the right one. Don't worry, Senior Sister has planned a list of children's critical illness insurance in advance, and the products in it are carefully selected by Senior Sister:
"Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders! 》
2. Medical insurance
Reimbursement insurance includes medical insurance, which can reimburse medical expenses caused by illness or accident. Medical insurance is actually a supplement to social security, and it can also reimburse expenses that social security cannot reimburse.
Personally, children still have to buy millions of medical insurance and small medical insurance at the same time. One of the characteristics of millions of medical insurance products is a wide range of reimbursement, high reimbursement amount and low price. For example, both self-funded drugs and imported drugs can be reimbursed, and the amount of reimbursement is as high as millions, which can be used to compare the medical expenses caused by that serious illness.
However, micro-medical insurance is mainly used to deal with minor ailments and pains. Children's resistance is actually very weak, which is very easy to cause diseases. They have to go to the hospital from time to time and can be reimbursed by buying small medical insurance.
3. Accident insurance
Children are in a lively and active period, but also curious and lack the ability to protect themselves. If an accident happens, they don't react so quickly, and they are more likely to be injured, scalded, scratched by cats and bitten by dogs.
At this time, accident insurance can be used to solve it, and it can also reduce certain economic pressure. Moreover, accident insurance is not expensive at all, and it is tens to more than 100 yuan a year. It is necessary to buy it for children.
Second, what are the precautions for children to buy insurance?
1. Adults take precedence over children.
When many parents buy insurance for their children, the practice is often unscientific. For example, the personal protection for children is relatively comprehensive, but they have not bought insurance for themselves, or there is a lack of protection.
As far as children are concerned, parents are the backer. Parents with comprehensive protection can give their children better protection and life. Therefore, parents and friends must first configure their own protection before planning to buy insurance for their children at home.
2. Don't buy life insurance
Generally speaking, life insurance will only pay claims if the insured dies or is totally disabled. Generally speaking, the family economic pillar is suitable for buying life insurance. Buying life insurance is to prevent the unfortunate death of the family breadwinner and keep the life of other family members at a normal pace.
Moreover, minors buy life insurance, and the amount of compensation is different from that of adults, which is limited. /kloc-the death insurance coverage for children under 0/0 cannot exceed 200,000, and the death insurance coverage for children under 0/7//kloc-0 cannot exceed 500,000.
Besides, he is just a child and has no sense of responsibility for his family. It is of little use to configure life insurance for children.
Generally speaking, the most important thing for children's insurance is critical illness insurance+medical insurance+accident insurance. Don't buy life insurance for children. If parents have plans to provide insurance for their children, they should get their own protection first. This is the right way for families to buy insurance.
Finally, the seniors also compiled a family insurance configuration strategy, hoping to help everyone:
"3 plans, complete family insurance"
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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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!