So what kind of health insurance is suitable for 1 year-old baby? What should I pay attention to when buying health insurance? Senior, let me tell you!
If you don't know much about insurance, you might as well take a look at this popular science about insurance knowledge first:
"Super complete! Everything you want to know about insurance is here.
First, buy insurance for children, but when children are very young, parents are most worried about their health and safety. According to the experience of senior sister, I suggest you buy insurance like this, which can provide more protection for children: children's medical insurance+medical insurance+critical illness insurance+accident insurance.
1, children's medical insurance
As a national welfare insurance, children's medical insurance does not need health notification, and the premium price is around 200 yuan. Children without this guarantee should buy it immediately! It is most appropriate to buy children's insurance within one month after the child is born, and the longest guarantee period can reach 16 years old. However, it should be noted that children's medical insurance reimbursement also has requirements, and only drugs and treatment items within the scope of medical insurance reimbursement can be reimbursed in proportion.
2. Medical insurance
The restrictions of children's medical insurance have been mentioned before, and choosing to buy commercial insurance can provide more protection. Commercial medical insurance It is more appropriate to buy small medical insurance and million medical insurance.
The child is in poor health and often has a cold and fever. It is also equipped with micro-medical insurance, so parents can catch up with minor illnesses free of charge.
If you plan to buy micro-medical insurance, these models are all good:
"Top Ten Small Medical Insurance Worth Buying for Children" recommended! 》
However, the coverage of millions of medical insurance is generally millions, and the hospitalization expenses can be reimbursed, which is still very strong. Millions of medical insurance, only a few hundred dollars a year, is very cost-effective.
3. critical illness insurance
Don't think that only adults will get seriously ill, and there are also some major diseases with a very high incidence among children. The following figure introduces 16 kinds of children's high incidence and serious diseases:
The purpose of configuring critical illness insurance for children is to prevent children from getting seriously ill, but families can't afford medical expenses.
In addition, critical illness insurance is a kind of payment insurance, as long as it meets the prescribed claim standard, it will pay. Children need personal care during disease treatment. At this time, in order to take better care of the children, at least one parent needs to resign. The loss during treatment can be compensated by the payment of critical illness insurance.
Generally speaking, it will be cheaper to buy critical illness insurance premiums for children, and hundreds of thousands of expenses will be well guaranteed.
4. Accident insurance
Children are more lively, and bumps caused by some accidents are inevitable. It is necessary to have a cost-effective accident insurance to escort children's growth.
Second, what are the good recommendations for children's insurance?
1, medical insurance-unlimited love 202 1
If you want to buy a medical insurance for your child, JD.COM Allianz's Treasure Unlimited 202 1 is a good choice. The most important part of insurance is the protection part. Let's take a look first:
It can be seen that children can be insured for Zhenai Unlimited 202 1, and the waiting period is only 30 days, which is very short.
Cherish unlimited 202 1 10,000 medical insurance has sufficient responsibilities, which are both economical and practical, with strong basic responsibilities and characteristic responsibilities.
The medical deductible in the basic guarantee is 1 10,000 yuan, and the insured amount is 3 million yuan. Hospitalization in critical illness insurance, medical security of 3 million, deductible of 0. In short, it is still very good.
Its seven value-added services include: 65,438+0,000% proton heavy ions, 88-fold medicine vouchers, cancer special medicine services, green link for serious illness, hospitalization first, international second consultation and online consultation, which can provide the most comprehensive treatment guarantee for the insured.
If you continue to insure Zhenai Unlimited 202 1 and have not applied for claims for two consecutive years, the deductible for the next year will be reduced by 2000 yuan. If it can be reduced by 5000 yuan in three years, this guarantee can be said to be very good.
2, critical illness insurance-Mommy Bao Bei (new version)
When buying critical illness insurance for children, there must be products that include critical illness insurance for children. Senior sister chose this cost-effective Mommy Baby (new version) and recommended it to Bao Dad and Ma Bao. I suggest you understand:
As a critical illness insurance for children, Mommy Baby (Newborn Edition) has done a good job in protecting specific diseases, not only providing protection for 20 specific diseases for children, but also designing 5 rare diseases for children, as can be seen from the following figure:
For example, leukemia, our most common treatment costs generally need more than 600 thousand.
If you have bought 300,000 yuan, if you really have leukemia, and you have reached the claim standard, that is, you can pay 200% of the basic insurance amount and get 600,000 yuan.
Even more eye-catching, Mommy Baby Newborn Edition is providing up to 300% compensation for five rare diseases of children! Such a high compensation ratio is really amazing!
Mommy Baby (Newborn Edition) has another place worthy of praise. Secondary compensation for malignant tumor, accidental medical care for children and accidental hospitalization allowance for children can be selected additionally, which is really cost-effective!
If you want to buy critical illness insurance suitable for children, you can study this list of critical illness insurance for children:
"Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders! 》
Summary: If you want to give your child the most comprehensive protection, you need to buy insurance other than accident insurance. Personally, I think it is the most cost-effective to buy insurance for children: children's medical insurance+medical insurance+critical illness insurance+accident insurance.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!