Is it necessary for children aged 0- 13 to buy insurance? What should I pay attention to when buying insurance? Senior, let me tell you!
For children aged 0 to 13, Senior Sister suggested that parents should give priority to children's medical insurance, critical illness insurance, accident insurance and medical insurance. The following article suggests that people who want to know the cost-effective insurance advice quickly can make reference:
"Less than 1000 yuan, take the child's insurance! 》
First, children's medical insurance
Children's medical insurance, that is, children's health insurance, is the guarantee of medical expenses such as hospitalization and surgery for children under 18 years old who suffer from certain diseases within the insurance scope. China's basic medical system, children's medical security situation is basically very weak, so it is suggested to choose some commercial children's medical insurance.
The principle of "low security and wide coverage" of social medical insurance determines its characteristics of many security restrictions and small coverage of drug types, especially all kinds of new diagnosis and treatment methods and new special drugs, which are not only very expensive, but also almost belong to the category of self-financing
In view of these circumstances, in order to make up for the lack of social security and effectively strengthen the level of children's medical security, it is necessary for parents to increase the necessary commercial children's medical insurance for their children to ensure their healthy growth.
Second, critical illness insurance
Critical illness insurance is also called "critical illness insurance". That is, this kind of insurance against the risk of serious illness. If the insured suffers from a serious illness agreed in the contract within the agreed guarantee period and meets the requirements of disease compensation agreed in the contract, he can get a fixed insurance premium in one lump sum.
Children aged 0- 13 have poor resistance to diseases and are prone to serious diseases. You can study the picture below to understand the most common major diseases of children at present.
Judging from the name of the doctor, it can basically be judged that the treatment cost is very high. In the real society, there are also many families who are "poor due to illness". Therefore, senior sister believes that it is very important to configure critical illness insurance for children as soon as possible.
Another advantage of critical illness insurance is that the amount of insurance claims does not have to be used for critical illness treatment, and the use of this insurance money can be flexibly arranged by the insured. Therefore, if there is surplus, it can also compensate the family economic losses caused by illness.
Third, accident insurance.
No one can predict the accident, and no one knows what will happen in the next second of his life.
Children's nature is to explore the world, but they don't know that doing so often leads to many accidents. Sometimes, despite minor injuries and bumps, children are more prone to cross-infection or other diseases because their resistance is not so strong, and they have higher hospitalization and treatment costs. Therefore, accident insurance also needs to be configured for children.
Senior sister also specially compiled a list of accident insurance:
"10 The most worthwhile child accident insurance inventory! 》
Fourth, medical insurance.
The child's immune system is not perfect and his resistance is not good. Compared with adults, they are more susceptible to bacterial infection. Moreover, children's organ function has not been fully developed, and their adaptability is poor, and they are in a period of high incidence of diseases. Especially children aged 0-6 are prone to some minor illnesses, such as colds, coughs, pneumonia and bronchitis. And the risk of hospitalization is also high.
Medical insurance is a medical insurance system that provides appropriate subsidies or reimbursement for medical expenses needed by patients when they are sick. According to the different amount of protection, medical insurance can be divided into micro-medical insurance and millions of medical insurance.
Small medical insurance is generally used for reimbursement of minor illnesses such as colds and fever, and millions of medical insurance is generally used for reimbursement of major diseases.
If you are curious about micro-medical insurance, take a look at this article:
"Top Ten Small Medical Insurance Worth Buying for Children" recommended! 》
Summary:
For children under the age of 13, senior sister suggested providing children's medical insurance, accident insurance, critical illness insurance and medical insurance at the same time. The child's immune system is still not strong and the resistance is low. Compared with adults, children are more susceptible to bacterial infection. Moreover, the child's organ function has not yet developed well and his adaptability is poor. They are in a period of high incidence of diseases, and it is easy for families to "be poor due to illness", so the sooner they are given protection, the better.
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