After upgrading to a parent, I suddenly felt a heavy responsibility on my shoulders, and slowly began to worry about many things: worrying about my illness, worrying about my children's illness, worrying about my children's education, and worrying about the school district. I naturally think: is there any way to transfer these risks and plan ahead? At this time, insurance has naturally become the choice of novice parents.
However, in practical work, we see that many novice parents have taken too many detours on the road of insurance because of their eagerness to love their children and asymmetric information. So, today, let's talk about: how to buy children's insurance?
What are the risks of children?
What needs special explanation here is: outpatient and emergency insurance.
Because the child's resistance is weak, he often has a cold, fever, cough and pneumonia. He may have to go to the clinic once or twice a month, and it costs hundreds of dollars each time. Insurance companies have a high cost in this kind of insurance, which will inevitably pass on the cost to consumers: increase the premium, have a deductible, have a daily maximum, and only reimburse medical expenses within the scope of social security.
Therefore, in terms of outpatient risk, the loss is small, we can afford it, and we can keep the risk for ourselves.
Of course, there are also some good outpatient and emergency insurance (refer to the reference scheme in the fifth part), which can really make up for some economic losses. But please also do a good job of expected management. Want 0 deductible, no reimbursement ceiling, 100% reimbursement, social security drugs are not limited to outpatient and emergency insurance, which will be very expensive.
Unless we want to provide our children with the best medical environment, the best treatment and the top medical resources, we suggest buying high-end medical insurance, which can cover the special needs department of public hospitals, the international department and private hospitals. Outpatient and emergency insurance also has its value.
Types and sequence of child insurance:
1 required: children's medical insurance
Children's medical insurance is the most basic medical security provided by the state for every citizen, with wide coverage, no health requirements and very cheap price. Just like social security for adults, you must buy it.
2 Suggestions: Guaranteed insurance
Four donkey kong of safety insurance: critical illness insurance, medical insurance, accident insurance and life insurance.
Among them, life insurance can only be compensated after death or total disability. Death means permanent loss of income ability, which has a great impact on the family economy and requires insurance for economic compensation. Life insurance is mainly aimed at the economic pillar of the family, which is necessary for the borrower, but the children have no income at all, so it is of little significance to insure life insurance.
Therefore, it is recommended to configure children: critical illness insurance+medical insurance+accident insurance.
Medical insurance:1100,000 medical insurance is a basic necessity, and outpatient and emergency insurance can be considered as appropriate.
3 Optional: Savings insurance
Have you calculated how much it costs to raise a child? "No matter how hard you suffer, you can't suffer children, and you can't afford education if you are poor." This is a classic advertising language that appeared in the 1970s and 1980s, and it has been popular ever since.
This can be saved and that can be saved, but parents are unwilling to save the money spent on their children. Faced with the rigid expenditure of raising a child, insurance can use the "present money" to lock in the "stable cash flow determined in the future" to ensure that there is a known money in the unknown days in the future.
For example: 0 years old, male treasure, annual salary of 30 thousand, pay 10 years.
15- 17 years old, and can receive 13548.6 yuan of high school education every year;
18-2 1 year, you can get a college degree of 27097.2 yuan every year;
22-24 years old, can receive 338,765,438+0.5 yuan for further study every year;
At the age of 30, you can get a family pension of360,000.
/kloc-300,000 yuan in 0/0. By the age of 30, a * * * will get more than 6 1 10,000 yuan.
1 critical illness insurance
How to buy critical illness insurance, recommended reading: Critical illness insurance configuration guide, this one is enough!
Here are three main points:
What can be bought shall prevail.
Insure 10 million, inform the first one! No matter how good the product is, the health notice will not pass. No matter how much comparison and careful investigation, it will be no use if you can't buy it. Therefore, if the child has physical conditions, such as neonatal jaundice, premature delivery, low weight, pneumonia, bronchitis, Kawasaki disease, asthma, patent foramen ovale, atrial septal defect, ventricular septal defect, etc. Please inform your health status first and provide all information: medical records, summary of admission and discharge, inspection report, review report, etc. Let a professional insurance broker help you insure more than one order and strive for the best underwriting effect. The primary goal is to be able to buy.
The insured amount should be high.
First, because the younger the child, the cheaper the premium;
Second, because the child is seriously ill, the general treatment cost is extremely high, and parents need to take care of it, and there will be income loss.
Southern Weekend "Dark Tumor-Neglected Childhood Cancer": Malignant tumor has become a serious disease endangering children's health. Unlike adult tumors, children's tumors progress very quickly, and it takes only three months to develop from the first stage to the fourth stage. On the other hand, the cure rate of children's tumors is much higher than that of adults. Childhood acute lymphoblastic leukemia, Hodgkin's disease and nephroblastoma have been regarded as "treatable malignant tumors".
If a child is unfortunately suffering from a serious illness, whether he can get timely, accurate and sustained treatment ultimately depends on the family's economic situation. Critical illness insurance with high insurance coverage can avoid the instantaneous collapse of family finances.
Medical insurance can be roughly divided into two categories:
Hospitalization medical insurance: millions of medical insurance, mid-range medical insurance and high-end medical insurance all start with millions;
Small medical insurance: outpatient and emergency treatment, small hospitalization, etc. Covering thousands to tens of thousands.
The following is a discussion on the well-known million-dollar health insurance:
Stability of renewal
Millions of medical insurance is basically guaranteed for one year. In the second year, if the product is discontinued, or the insurance is refused because of claims or physical changes, it will be really bad. Therefore, the stability of medical insurance renewal is very important. At present, there is a 6-year guarantee renewal, 15 guarantee renewal, and the longest guarantee renewal is 20 years.
Compared with millions of medical insurance, the stability of high-end medical insurance such as MSH, AXA and Bupa is obviously higher.
superfluous
Millions of medical insurance will basically have a deductible of 6.5438+0 million yuan. The difference is that some products will enjoy the deductible of 6,543.8+0,000 yuan for six years, some will enjoy the deductible of 6,543.8+0,000 yuan per year, some will be reduced if the claims are not in place, and some families can use the deductible.
3 accident insurance
The child took the insurance detour and was reluctant to let you go.
1 Myth 1: Only for children, but adults are streaking.
In the eyes of parents, children are the most precious, and I can't wait to spend all my money on them. However, I only have medical insurance, which is almost "streaking".
But remember, the family is a whole. What is the most precious asset in a family? House? Cars? Deposit? Neither. It is an adult who brings a steady stream of cash flow to his family, creates a better life for his family and makes money all the way.
What happens if a family loses its financial support? The house is out of supply, the children's life education cannot be guaranteed, and the parents' life medical care cannot be solved. Insurance is the only financial tool that can continuously connect family cash flow. Therefore, who is the economic pillar of the family, who has a higher ability to create value, is the object of priority protection, and the amount of protection must be sufficient.
Therefore, I suggest that you plan the security of the whole family in a unified way and allocate the insurance budget of adults and children reasonably. Children's insurance must be bought, but the premium ratio should not be too high, and the bulk of the premium should be spent on parents who shoulder the heavy responsibility of the family. Parents are the greatest protection for children.
2 Myth 2: Expensive must be good.
I have to admit that this logic may be correct in the case of buying a large number of physical objects. After all, buying a house, car, bag and mobile phone is tangible, with high frequency of use and strong experience, and the information transparency of the industry is also relatively high.
But what is insurance? It is a financial commodity, invisible and intangible. After paying so much money every year, what I bought home was a contract. So when can the insurance be used? It's definitely time to settle claims for security products.
What is the situation that can be settled? Oh ~ ~ at this time, everyone will take out the contract to find the terms and see if they can apply for compensation.
So, deduction here, you can draw a conclusion:
The essence of buying insurance is the contract terms, which is the underlying logic of buying insurance.
Therefore, you can pay for expensive and good things! No matter how big the company is, no matter how expensive the products are, there will be no compensation if the terms are not written. What is more, many insurance products are unreasonably expensive.
For example, various types of return insurance and old-age security, under the gimmick of "treating illness and returning money without illness", agree to return the premiums or insured amount paid at a certain age. Assuming 70 years old, the security is still valid.
Sounds great, but in fact, this kind of insurance is very different. On the one hand, most of them agree that they can only be returned if they are not out of danger and have not made claims; On the other hand, the premium is much more expensive. . .
This overpaid premium is invested by the insurance company and will be returned to you in a few decades. One wool is on the sheep, and the essence bought will never be sold. Therefore, I have not advised ordinary families to buy this kind of return insurance.
3 Misunderstanding 3: Blind purchase of education funds
We in China like saving very much, and we hope to have some financial management functions when buying insurance. So many parents buy an education fund as soon as they come up, thinking that they can plan all the funds for their children in the future. Although the starting point is good, we must know that one of the major principles of buying insurance is to protect first and then manage money.
Whether adults or children buy insurance, they must return to the origin of insurance: protection.
Insurance is the only guarantee tool that can avoid the instantaneous collapse of family finances. As for the savings plan for education funds, pensions and other goals, insurance is not the only tool.
For more than 90% of families, preventing the risks of diseases and accidents is obviously more important than investing in financial management. Therefore, please make sure that you plan some education funds for your children after the basic family security has been fully configured.
Take 0-year-old boy Bao as an example, and list three schemes for your reference. More products can be customized according to your actual needs.
1 Scheme 1: Worry-Free Edition
The focus of the plan
(1) Critical illness insurance: the explosion of online celebrities, the first of all major evaluation articles, is really excellent and highly flexible, and can be freely matched according to customer needs. Recommended reading: See Bao Yi, a child recovering from a serious illness, and the niece of the same paragraph.
(2) Hospitalization is free! ! ! (Millions of medical insurance are basically 1 0,000 deductible)
(3) Don't worry, you only need two products to get your child's insurance.
The shortcomings of this scheme
(1) General medical hospitalization, only 50% of self-funded drugs are reimbursed (drugs only);
(2) excluding proton heavy ion medical insurance;
(3) The renewal stability of product B is unknown, so the renewal is not guaranteed. Whether it can be renewed next year depends on whether the health notice can be passed.
2 Scheme 2: Outpatient Risk Retention Edition
The focus of the plan
(1) Critical illness insurance: same as above.
(2) Millions of medical insurance:
Six-year guarantee renewal, high stability, will not be refused because of the insured's past claims and changes in physical condition.
Decreasing deductible: if there is no claim, the deductible in the second year will decrease by 65,438+0,000 yuan, with a maximum of 5,000 yuan/year.
Social security drugs are not limited, 100% will be reimbursed, and you can be insured with or without social security.
1 1 A health service is super comprehensive.
(3) Accident insurance:
Outpatients and hospitalizations can all be reimbursed, with no compensation, and social security drugs are not limited. 100% reimbursement.
Coverage: general accidents, burns, accidents caused by eating foreign bodies by mistake, and fractures are all included.
Cost-effective: 10 years old, only need 86 yuan every year.
The shortcomings of this scheme
(1) The outpatient and emergency expenses caused by the disease can't be reimbursed, and the risk is reserved.
(2) hospitalization caused by common diseases, deductible line 1 10,000.
3 Scheme III: Comprehensive Safeguard Edition
The focus of the plan
(1) Critical illness insurance: same as above.
(2) Millions of medical insurance: same as above.
(3) Product C has 20,000 hospitalization medical insurance, which can be used to deduct the general medical deductible of 1000 yuan in millions of medical insurance, which is equivalent to the general hospitalization deductible of 1000 yuan.
The shortcomings of this scheme
Emergency expenses caused by accidents can only be reimbursed within the scope of social security.
There is no perfect product, only a relatively perfect combination.
Identify risks, clarify logic, grasp the big and let go of the small, and avoid misunderstanding.
Write it at the end
1 year-old with insurance for a lifetime.
30-year-old configuration insurance is also a lifetime guarantee.
1 year is 30 years older than 30 years old.
But the annual premium is lower than 60%.
Children have no choice.
You know, ta does.
You don't understand, ta doesn't understand.
Above.