Due to the limitation of deductible line, capping line and social security reimbursement catalogue, the actual reimbursement ratio of social medical insurance is low, and in most cases, the self-funded ratio still exceeds.
50%。 Therefore, it is necessary to purchase additional commercial insurance for the second reimbursement and share the self-funded part; At the same time, it is also necessary to purchase critical illness insurance, pay the insured amount after the diagnosis and meet the contract requirements, and treat major diseases (almost all expensive imported drugs are not covered by medical insurance reimbursement). Commercial insurance can supplement the reimbursement of other social insurance.
Second, the main risks faced by children are accidental injuries, general diseases, major diseases and death. So buy accident insurance first.
Because children are young and ignorant, lack of independent living ability, immature sensory perception and motor development, poor ability to identify dangers and no self-defense, caregivers are prone to accidents in daily life. The Department of Child Health of Tongji Medical University conducted an investigation on the accidental injuries of more than 43,000 children in 1 city in China. The results showed that the incidence of nonfatal accidental injuries was 24. 10%, of which 65,438+0.64% was caused by physical defects and 65,438+0.01%was caused by permanent disability. Accidents are the most important factors leading to children's death, including various traffic accidents, drowning, burns, poisoning, falls, accidental inhalation, accidental eating and imitation of various violent incidents.
Third, buy children's critical illness insurance, with low premium and high insurance coverage.
Leukemia is a malignant disease of human hematopoietic tissue, commonly known as "hematologic cancer", which can occur in children of any age, with a high incidence of 2-5 years old. The incidence of childhood leukemia accounts for 35% of the incidence of childhood malignant tumors, and it is the main killer of childhood death. So far, the cause of leukemia is not very clear. Leukemia costs about 500 thousand.
Among them, the medical expenses caused by diseases and accidental injuries need to be guaranteed most, especially the huge medical expenses that may be caused by major diseases. The risk of accidental death and disease death of children may not be guaranteed. Children do not assume family responsibilities, and family income will not be interrupted or reduced after death. Therefore, death is not the main risk of children, so you can not buy life insurance for children alone.
Note: Just like children taking medicine when they are sick, adults have medicine for adults and children have medicine for children. Adult insurance includes adult insurance and children's insurance also includes children's insurance. Common diseases in children's critical illness insurance are incomplete in adult insurance.
Fourth, choose commercial medical insurance.
Because children are small and weak, they often suffer from minor illnesses, such as bad colds and pneumonia. At this time, they need hospitalization. At this time, they need a commercial medical insurance to supplement the reimbursement of the rest of social security and the reimbursement of social security drugs for external use. It is best to have commercial medical insurance without deductible.
5. Insure the children with regular insurance.
It is recommended that children be insured until their studies are completed, and life insurance is not recommended. On the one hand, the medical level continues to develop and insurance products are constantly updated; On the other hand, with the continuous inflation in China, the longer the guarantee period, the more serious the depreciation of the insured amount. By the time the children reach middle-aged and old age, the current insurance is no longer suitable for the medical needs at that time, and the depreciation of the insured amount will seriously shrink the protection. It is suggested that children should constantly improve their own protection in the adult stage after employment.
exceptional case
But in some cases, such as children's own diseases, it is difficult to buy insurance in the future. At this time, it is necessary to consider lifelong critical illness insurance, because the domestic insurance industry is becoming more and more mature and underwriting is becoming more and more strict. Among the customers in Bian Xiao, there were cases of allergic purpura at the age of 5 and meningitis at the age of 2. In these cases, we should consider the particularity of refusing insurance in the future and choose lifelong critical illness insurance.
Sixth, the choice of education funds.
Education fund insurance is a typical savings insurance, which is limited by regulatory policies and the investment level of insurance companies. At present, the investment income of education fund insurance in China is extremely low. Therefore, if conditions permit, you can buy some appropriately, because the fund is special, and children will have certain, guaranteed and value-added money when they go to school. With the exemption of the insured, no matter what happens to adults, children's education will never be interrupted. If you are worried about parents' accidents and children's education expenses are interrupted, you should give priority to buying reasonable protection for parents. After all, "parents are the greatest protection for children."
Seven, parents are the biggest guarantee for children.
Parents are the pillars of the family. Parents are good, of course, they will not treat their children badly. On the contrary, if something happens to parents, it will have a great impact on their children's life and future education. Therefore, if parents don't have any protection, it is suggested to give themselves as parents some adequate protection first.
The best combination of children's insurance planning: social security+accidental injury insurance+children's critical illness insurance+commercial medical insurance+education fund.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.