Children's physical function is not yet mature and their physical quality is relatively low, so it is very necessary to buy insurance for children. So many kinds of insurance, which one is best for children to buy? Next, let's talk about what kind of insurance is the best.
First, children's medical insurance
To buy insurance for children, the first thing to buy is children's medical insurance. Medical insurance belongs to welfare insurance, and its insurance fund pool consists of three parts: individual contributions, collective support and government subsidies. The premium is very low, only one or two hundred yuan a year. For such national welfare insurance, it is best for all families to share it with their children. However, his disadvantage is that the security is low, there are deductible lines and capping lines, and many self-funded drugs cannot be reimbursed. Therefore, it is not enough to only insure medical insurance, but to purchase commercial insurance as a supplement.
Second, critical illness insurance
Critical illness insurance is used to prevent economic losses caused by major diseases. Different from medical insurance, critical illness insurance is payment insurance. As long as the diseases covered by the insurance contract meet the corresponding definition of diseases, you can get compensation. If the child is unfortunately seriously ill, parents can get one-time insurance compensation, and parents can take care of the child wholeheartedly without worrying about the cost for the time being. At present, there are many children's critical illness insurance designed for children's common critical illness, and the scope of protection is relatively comprehensive, and some of them can supplement the protection of policyholders' exemption.
Third, medical insurance.
Among medical insurance, "million medical insurance" and "small medical insurance" are more suitable for the public to buy. Among them, millions of medical insurance is used to protect serious diseases, and the insurance coverage is higher than that of small medical insurance, with the insurance coverage of more than 654.38+0 million. Of course, its deductible is also higher than that of small risks, and the deductible range is generally between 654.38+0 ~ 20,000. But micro-medical insurance refers to the relatively small reimbursement. Generally speaking, his insurance coverage is only 1 ~ 20000 yuan, and the deductible is also very low. 100 yuan goes to 200 yuan. Even many micro-medical insurances have no deductible. His coverage is quite suitable for children, including medical expenses caused by diseases and accidental injuries and general medical outpatient expenses. With general outpatient medical insurance, even children with colds and fever can be reimbursed.
For more recommendations on micro-medical insurance, please see this article. What are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020
Fourth, accident insurance.
Children are lively and playful, and some bumps often occur in daily life. According to statistics, the incidence of children's fractures is quite high, so you can configure a child accident insurance, and choose those protection contents that contain accidental injuries with high probability in daily life, such as cat and dog bites and sports fractures.
Please refer to this article 10 for the recommendation suitable for children to buy. Take stock of the children's critical illness insurance sold by major insurance companies.