Children over one year old have extremely imperfect physical function development and weak ability to resist disease erosion, so the risk of children getting sick, especially suffering from major diseases, increases; Some diseases that used to have a high incidence in adults have shown a trend of younger age, and the incidence of serious diseases in children is rising. According to WHO data, the incidence of cancer in children aged 0- 14 in China is 19.0-89.9/ 10, in which the incidence of malignant tumors has increased from the previous 10. 14/ 10.
Once suffering from a serious illness, not only will the children suffer, but they will also face hundreds of thousands of medical expenses, which most families cannot afford. We need to transfer risks through insurance. Therefore, parents should at least provide their children with a health insurance and provide them with a health guarantee in case of wind and rain.
If divided by insurance institutions, health insurance can be divided into social insurance and commercial insurance. Social insurance is the basic guarantee provided by the government and is generally cost-effective. It is suggested to apply for children's medical insurance as the basic guarantee for children first, and then allocate commercial insurance to children. As an effective supplement to social security, commercial insurance can protect the part that is not included in children's medical insurance, making the protection more comprehensive.
Health insurance, from the protection content, usually includes medical insurance and critical illness insurance. The former mainly includes outpatient and hospitalization expenses, regardless of disease types, while the critical illness insurance is only for major diseases agreed in the insurance contract, which is an effective supplement to the high cost of critical illness. If the budget is sufficient, it is recommended to buy medical insurance with a critical illness insurance as a supplement.
I. Suggestions on health insurance products
1, children's medical insurance has not been processed, so it is recommended to buy insurance. The order is: million medical care >; critical illness insurance
(1) Adequate budget: it is recommended to have a high insurance coverage to ensure comprehensive million medical care? +Lifelong critical illness insurance
Millions of medical suggestions: Allianz Cherish Medical Insurance (version 20 18)-basic plan, extended coverage 100 major diseases. There is no reimbursement threshold for major diseases, and you can enjoy double protection, covering external drugs, unlimited diseases and continuous insurance. 1 year-old boy's 2 million insurance coverage is only 796 yuan/year, which is very cost-effective compared with the same type of products.
Critical illness insurance suggestion: under the condition of sufficient budget, lifelong critical illness insurance is the best choice, and products with wide coverage and low premium are recommended as far as possible. Fosun United Recreation Life Insurance Major Basic Insurance B Upgrade? , covering 80 kinds of serious diseases, first diagnosed, and the insurance money is paid in one lump sum; The insured amount is 500,000-500,000, and the payment period is flexible. 1 year-old boy's insurance coverage of 300,000, 173 1 yuan/year for 30 years, can get lifelong serious illness protection.
(2) Insufficient budget: Suggest low-cost and deductible hospitalization medical insurance? +Cost-effective periodic serious illness
Suggestions on hospitalization medical insurance: Easy' Wang 'an Bao Xiao Children's Worry-free Hospitalization Plan III, hospitalization is zero deductible, and both internal and external drugs can be reimbursed by social security, and the cost performance is better than similar products. The coverage for 65438+30,000-year-old boys only needs 135/ year.
Regular recommendation of serious illness: Huixin 'an Children's Insurance Product Plan, 50 kinds of high-risk children's serious illness, 8 kinds of specific children's serious illness double protection, including policyholder exemption. 1 year-old boy's 800,000 insurance coverage is guaranteed for 30 years, and the 20-year premium is only 1840 yuan/year. If you don't get out of danger when it expires, you can also return the insurance premium due, so that the premium paid in the past 20 years will not be wasted.
2. If you apply for children's medical insurance, in order to make up for the shortage of medical insurance, it is recommended to purchase insurance in order: critical illness insurance? & gt Million Medical Care.
Critical illness insurance suggestion: Two products with high cost performance are also recommended, namely, Fosun United Recreation Life Major Basic Insurance B upgraded version (lifelong critical illness insurance) and Huixin 'an Children's Insurance Product Plan (regular critical illness insurance).
Medical insurance suggestion: China Social Security Supplementary Plan (version 20 18) is not limited to social security drugs and diseases, and its coverage is automatically renewed by WeChat every month. Take 1 year-old boy's 6 million insured amount as an example, and the deductible of 1 0,000 only needs 59 yuan/month; The deductible is only 167 yuan/month, which is more cost-effective than similar insurance products.
Two. Accident insurance product recommendation
Children are active by nature, and their awareness and ability of self-protection are weak, so the probability of accidents in daily life or game activities is obviously higher than that of adults. Accidental injury is also regarded as the first killer of young children. Therefore, many parents will buy an accident insurance for their children, so what problems should they pay attention to when buying accident insurance for their children?
For the insurance coverage of children's death, the CIRC stipulates this:
So buy insurance for your child. If the child is under 10, the death insurance amount should not exceed 200,000; If the child's age is between 10- 18 years old, the death insurance amount should not exceed 500,000, because it is free to buy too much, and the total compensation of the insurance company will not exceed the provisions of the CIRC. It should be noted that 200,000 yuan and 500,000 yuan do not refer to the insured amount in one company, but the total insured amount of all insurance companies cannot exceed this limit.
Accident insurance suggestion: Ping An Children's Safety Protection Plan, which doubles the insured amount of hospitalization medical insurance caused by accidents in schools that exclusively provide legal classes in Ping An, and the maximum amount of medical expenses reaches105,000 yuan, only 100 yuan/year.
For the education fund plan, it is not so much insurance as compulsory savings. In addition to the two advantages of free of charge and worry-free, it has limited significance for wealth accumulation and educational reserve. It doesn't mean much if you can invest a little money. Generally speaking, to buy insurance for children, we should first consider major illness insurance, medical insurance, accident insurance and other types of insurance, and then consider buying education insurance.
Finally added:
Although I understand that parents want to give their children the best mood, please remember: don't be moved by the marketing copy, and spend too much premium on children's protection prematurely when you don't have enough protection. After all, parents are children's greatest protection. If there are children and parents still have financial resources, it is still possible to maintain the family economy; Once the parents are in case, the financial resources of the whole family may be interrupted. Therefore, I hope that when you choose the right insurance for your children, don't forget to plan your own protection. The amount of insurance for children and the corresponding premium expenses should be determined according to the family's economic situation.
I hope the above answers can help you!