1. First, the national children's medical insurance.
Newborn medical insurance (medical insurance for urban and rural residents) is the basic national insurance, and it should be handled as soon as the child is born. Regardless of serious illness or minor illness, basic medical insurance is particularly important. This is the basic security welfare given by the state and must be handled well.
2. Second, three kinds of commercial insurance, namely, critical illness insurance, medical insurance and accident insurance, should be configured together after handling medical insurance.
Let's start with critical illness insurance, which can provide protection for as long as possible. Secondly, the critical illness insurance can pay cash directly after illness, which can not only solve the treatment cost, but also solve other joint problems, such as children's delay in school due to illness, and even some subsequent life losses, which require a lot of cash to make up. Buying a pure protection type of critical illness insurance can just solve these problems.
Third, you can take out some insurance for your children, such as accident insurance and medical insurance, which are basic guarantees. If you have a generous budget, you can consider another education fund insurance as your child's education fund. You can learn about century angel insurance or newborn insurance, and you can also buy a consumer medical card for your child. The insurance coverage in 200 yuan can reach 654.38+10,000 a year (which can guarantee your hospitalization and accidents).
4. Children's accidental injury insurance Children are curious, lively and active, but have poor self-protection awareness. They belong to a vulnerable group in society and are more likely to have accidents.
Children's accidental injury insurance is aimed at children under the age of 18, causing high medical expenses and other economic losses, as well as personal protection for accidental disability and death.
5. Children's health medical insurance In family life, there are mainly two kinds of expenses related to children's health: one is a major illness of children; One is that the child is hospitalized. At present, major diseases tend to be younger, such as malignant tumors such as leukemia, and specific major diseases that infants are prone to, such as Kawasaki disease and severe myocarditis. According to the current situation of China's basic medical insurance system, children of this age are basically in a state of no medical security.
6. Children's education savings insurance In the last decade, the education expenditure brought by the marketization of education has soared, and the concept of family consumption has changed. More and more parents are willing to invest their limited resources in the education and training of their children and make financial planning and arrangements for their children in advance.
7. Education savings insurance is mainly to solve the problem of tuition fees for children to go to school or study abroad in the future. Raise education expenses for children in the form of insurance. After purchasing insurance, you need to pay the insurance company on time. As a compulsory deposit, it can guarantee the expenses of children in the future.
1. There are many types of insurance suitable for children. The general principle of choice is to guarantee education funds first. The premium of pure protection products is relatively low; The products that give consideration to both security and education funds include Wisdom Star (improved Wisdom Star product) and Guardian Star (the maximum security for serious illness can reach 500,000) which were newly listed on July/KLOC-0.
2. All these financial insurance products, such as Reliance and Honor Life, can be exempted by the insured, that is, once the parents have insured the above products for their children and exempted them, the remaining premium of the insured during the payment period will be paid by the insurance company, and the children will enjoy all the rights and interests of the insurance purchased.