So when parents see their children's critical illness insurance, they will wonder whether they should insure their children. Is it necessary to insure? If you want to buy it, which one is the most suitable? Your headache is inevitable.
So today, senior sister will give you a good analysis, whether to insure or not, and what to buy?
1. Is it necessary to buy critical illness insurance for children?
After many friends around me become parents, they will ask their senior sisters if they want to take out a critical illness insurance for their children.
If you don't buy it, you always feel that your child's safety cannot be guaranteed. Configure it, the premium is very expensive.
In fact, the purpose of buying insurance is to avoid risks. Therefore, parents and friends need to know what risks their children have.
Children are young and are most prone to accidents. It's just a little bump, but parents and friends are always worried about something serious.
In addition, in recent 10 years, the incidence of childhood tumors is not low, increasing at a rate of about 2.8% every year. Children's tumors are prone to disease, which has become the second leading cause of death after accidental injuries. There may be 250 thousand children suffering from malignant tumors every year in the world, and 30 thousand to 40 thousand children with malignant tumors will be added every year in China.
At the same time, from the relevant data, we can know that the average treatment cost of children's cancer is generally more than 65438+ 10,000 yuan, or even hundreds of thousands to millions of yuan.
Although the incidence of cancer in children is lower than that in adults, if this happens in ordinary families, such treatment costs will bring a heavy economic burden to families.
In addition to the childhood cancer mentioned above, there are also some high-risk childhood diseases, such as leukemia, severe Kawasaki disease, severe hand-foot-mouth disease, severe asthma and severe diabetes. This is what we should prevent. So if someone asks me if I want to buy critical illness insurance for my children, my senior sister's answer is very affirmative.
So how do you buy insurance for your child? What is the difference between different age groups? Learn what kind of insurance is best for children in three minutes!
Children's insurance, the difference between different age groups.
Second, the best allocation scheme of child insurance
Suppose you want to buy insurance for your children, the best solution is to prepare basic protection, such as accident insurance, critical illness insurance, medical insurance and so on. Only when the basic security is fully configured will the child's health security go up. Assuming that the family is relatively rich, it is advisable to prepare an education fund for the children.
1. Accident insurance
Accident insurance refers to the life insurance that the insured suffers death or disability due to accidental injury. In addition, there are many accident insurance and accidental medical insurance, and the deductible is not much, only a few hundred or zero, so it is no problem to reasonably reimburse medical expenses accordingly.
As parents know, most children like to be noisy, active and playful. Stumbling is inevitable, and occasionally you may be accidentally injured. At this time, prepare an accident insurance. If the insured dies unfortunately or is completely disabled, this accident insurance payment can ensure that the family living standard will not be greatly affected.
2. critical illness insurance
The critical illness insurance we are talking about means that the insured suffers from a serious illness agreed in the contract during the guarantee period, and the insurance company pays a sum of money, which can be used to advance medical expenses, or for subsequent rehabilitation and health care and make up for income losses.
Because of the rising incidence of children, coupled with the poor resistance of children, they will get sick if they are not careful. Everyone wants their children to be healthy, but no one can guarantee that a serious illness will happen. If this really happens, families equipped with critical illness insurance will not have to worry about not having enough treatment fees to see their children.
So is there any good critical illness insurance for children? Senior sister has compiled a strategy:
"Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders! 》
3. Medical insurance
Medical insurance is mainly used to reimburse medical expenses and medical expenses. Medical insurance is divided into two categories: one is national medical insurance and the other is commercial medical insurance.
Universal medical insurance is what we call medical insurance, which is a kind of social security, but there are regulations and restrictions on the diseases and drugs that can be reimbursed at ordinary times. But now commercial medical insurance is a powerful supplement to basic medical insurance, and the scope of reimbursement may be even larger. Usually, some countries can reimburse expenses that cannot be reimbursed by medical insurance.
If the child is sick, the national medical insurance will not reimburse him. As long as it is within the insurance coverage of the commercial medical insurance you purchased, it can be partially reimbursed or fully reimbursed. This can reduce a lot of expenses, and you don't have to worry that the family economy can't afford medical expenses.
4. Education grant
The essence of education fund is annuity, which is used to help children's education expenses.
Nowadays, the cost of schooling for children is getting higher every year. For those with excellent family background, you can plan your future living expenses and tuition as soon as possible.
Buy an education fund for children and add value to the education fund for a period of time. These are all expenses for children in the future. Some children can get it in high school, and some can't get it until they are 30 years old, which can be used as children's start-up funds.
This money is similar to financial investment. During this period, the children also grew up, and the funds invested at the beginning also had more returns. This money also has many uses, such as living expenses or tuition fees. In the future, when the family burden is too heavy, it can also be reduced.
Third, are these popular children's critical illness insurance good?
There are other children's critical illness insurance in the market that are very popular, such as Qingyunwei 1, Tongfang Universal Versailles plus, Beijing Life Bumblebee No.6 and so on. , people can't start.
What kind of critical illness insurance should I buy for my child? What is popular must be good? Not necessarily. Although some products are popular, they may not be suitable for your children. So how do we choose a critical illness insurance suitable for children? We should analyze the content, duration and exemption clause of the guarantee.
Fourth, children's critical illness insurance must be clearly seen before buying!
If you have a detailed understanding of the evaluation of those products, you will definitely find that the guarantee content, guarantee period and insurance conditions of each product are different. A kind of critical illness insurance, some cover more content, some cover less content, and the cost is different.
If you don't choose carefully, you will probably "buy the wrong insurance" and the insurance you bought will not be compensated.
Moreover, there are many products on the market, both good and bad. If you want to choose the most cost-effective product from so many products, you must be familiar with all kinds of insurance knowledge and problems.
5. Where can I buy children's insurance?
There are usually two ways to buy: online and offline.
Under normal circumstances, the offline route is to buy from the offline service outlets of insurance companies and choose products that can meet their own needs. The other is to find a trustworthy insurance salesman, inform the salesman of your needs, confirm whether your needs can be met, and then buy with the help of the insurance salesman.
Online channels are generally purchased in the insurance company official website or the exclusive app, or through the third-party insurance sales platform.
6. How to buy family insurance?
In addition to buying insurance for their children, parents should also buy themselves a guarantee, especially the backbone of the family economy. Temporary loss of working ability due to injury, illness and other reasons. There is no income, and the children are still young and have no income ability at all. The insurance payment purchased at this time can maintain the life of a family. So it is also important to buy an insurance for yourself.
Moreover, children's resistance is weak, it is easy to get sick, and children are naughty. It is very necessary to buy insurance for children.
Then there is the problem of supporting the elderly. At this time, the population is aging, and middle-aged people should take care of both the elderly and children, shouldering heavy responsibilities. Assuming that there is no problem with the family economy, choosing to support the elderly will also help ease our future economic pressure.
So how to buy the insurance with the highest price? What insurance should every family member buy? You can read this article:
"3 plans, complete family insurance"
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