How to buy insurance for newborns? Where to buy it? What problems should I pay attention to when buying insurance? Senior sister will tell you today!
Before we begin, we have compiled an insurance strategy for children's insurance:
How to buy insurance for a 0-year-old baby, 1000 yuan to get everything done! 》
1. What commercial insurance should newborns buy?
Newborns are not well developed, their resistance is not strong, and they are prone to a series of diseases. Therefore, it is suggested to allocate commercial insurance to newborns, and first choose critical illness insurance, medical insurance and accident insurance.
1. critical illness insurance
According to the relevant data in the National Health Education Reader for the Prevention of Major Diseases, generally speaking, the incidence of serious diseases in people aged 0~ 17 is high, such as malignant tumors, severe hand-foot-mouth disease and benign brain tumors, accounting for a very high proportion, reaching 70%. Crucially, among malignant tumors, leukemia, brain cancer, lymphoma and thyroid cancer have the highest incidence.
Combined with the above data, it is not difficult to know that the possibility of a child getting seriously ill is also quite large.
In addition, the cost of treatment for serious diseases is not a small sum, ranging from at least several hundred thousand to several hundred thousand. In that case, it is difficult for ordinary families to come up with so much money at once. If you buy critical illness insurance and meet the conditions of contract claims, you can get a lump sum of money, which can be used according to your own situation and can reduce the financial burden of your family.
What's more, newborns are young, and the premium for configuring critical illness insurance is much cheaper than that of adults.
A few days ago, my senior accidentally discovered a critical illness insurance that is especially suitable for children. In addition to rich coverage, the proportion of compensation is also set at a high level:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
2. Medical insurance
The category of medical insurance belongs to reimbursement insurance. Under normal circumstances, the medical expenses of illness or accident can be reimbursed after deducting a certain deductible and meeting the requirements stipulated in the contract.
There are two kinds of medical insurance: millions of medical insurance and small medical insurance. If there is enough budget, both kinds of medical insurance can be configured. In this case, the medical insurance of1100,000 can be used to reimburse the medical expenses for serious diseases, and the medical expenses for minor illnesses such as colds and fever of newborns can be solved with small medical insurance.
3. Accident insurance
The accident insurance mentioned here is actually to protect against accidents. It is generally set to protect death or disability and reimburse medical expenses caused by accidents. In addition, the price is also very cheap. Cheap ones can be directly guaranteed for one year. Of course, there are some more expensive accident insurance, such as 100 yuan, several hundred yuan. Parents had better choose which product according to their actual situation.
In fact, in daily life, newborns are prone to burns, falls, fractures, cat scratches, dog bites, etc., so if you configure an accident insurance, you can cope with the medical expenses caused by these accidents.
Based on our analysis just now, it is not difficult to know that it is necessary for newborns to buy critical illness insurance, medical insurance and accident insurance. However, parents should remember that when choosing products, you should compare them with other products according to your actual needs, so that you can buy suitable products for your children and let them enjoy adequate protection.
Second, what do newborns need to pay attention to when buying insurance?
If parents want to arrange insurance for newborns, it is suggested to follow the principle of "adults first, children later", that is, to provide parents with perfect personal protection first, and then provide children with appropriate protection, otherwise, only children will be provided with insurance, and parents will not provide it. So when parents encounter illness or accident, who will pay the premium of children's policy at this time?
In addition, it should be noted that when parents buy insurance for newborns, in theory, the insured should be exempted from paying premiums. If the parents have agreed in the contract, they can be exempted from paying the follow-up premium of the policy, and the protection provided to their children will not be less.
Finally, the senior has carefully prepared a list of cost-effective products for everyone. You may wish to have a good look:
"Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders! 》
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!