First of all, clearly distinguish the types of insurance. Health insurance includes medical treatment, serious illness, annuity, accident and life insurance.
Children should consider critical illness insurance first. Critical illness insurance means that the insured pays the premium and agrees on a certain amount of insurance. Once the disease stipulated in the contract is diagnosed, the agreed amount of insurance money will be paid. Major diseases, because they are probabilistic events, have a very high probability of occurrence in a lifetime. Buy critical illness insurance for children, the sooner you buy it, the longer the protection time and the cheaper the premium. If parents don't buy it now, children will still have to pay higher premiums in the future.
Second, accident insurance. As big as traffic accidents, typhoons and earthquakes, drowning and electric shock; Minor injuries such as falls, cat scratching dogs, cuts and burns are all covered by accident insurance. In life, accident insurance comes in handy with great probability. It is said that accident insurance is a necessary product at home. Who can guarantee that the child has no accidents?
Third, medical insurance, medical insurance is generally divided into three types: high-end medical insurance, middle-end medical insurance and general medical insurance. High-end tens of thousands a year, not to mention. Mid-range medical care of several thousand yuan a year covers the special needs department and the international department of public hospitals. The key is that the insurance company can pay the medical expenses in advance, or directly settle the medical expenses with the hospital, without our own money first. And can provide medical services such as medical guidance, expert appointment, expert surgery, etc., and the experience is much better. General medical treatment can be reimbursed for millions of yuan only for a few hundred yuan a year, but it can only be used in general departments of public hospitals, and it is only an auxiliary tool for serious illness because the treatment expenses are paid in advance and then the invoices are reimbursed to insurance companies.
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