Hello! Parents should pay attention to several aspects when purchasing child health insurance.
First, the premium for buying health insurance for children should not be too high. Among family members, parents are the economic pillars. Buying insurance must first protect the economic pillar, and then consider children's insurance. When buying insurance for children, don't compare with other families. Generally speaking, it is more appropriate to stand at 10%-20% of the total family premium.
Second, don't choose health insurance with long payment period. Insurance with a long payment period is inflexible, and its cost will also become a burden on families, which is not suitable for children in the growing period. You can choose more flexible insurance products and let your children choose their own insurance when they grow up.
Third, choose to protect comprehensive health insurance. When choosing insurance for children, we should fully consider the possible losses caused by accidents and diseases. Because children's ability to resist risks is low, hospitalization and medical insurance can also be included in the medical insurance plan to make the protection as comprehensive as possible.