Many of my friends want to know what insurance is suitable for 9-year-old children? What should I pay attention to in the process of configuration?
School sister took this opportunity to go with you to analyze how to configure insurance for 9-year-old children.
Too late to read the following small partners can first collect this article:
"In-depth good article - how to buy insurance for children? The netizen straight call: why only now see"
A, to the 9-year-old child to buy insurance is necessary
Quite a lot of people will have some ideas: small children, the age of so so small is not the need to buy the product of insurance. Sister quite clearly tell the family, should not have such ideas, the child is also the need to purchase insurance.
We all understand that the benefit of insurance is to avoid risk. So what are some of the risks that a 9 year old could potentially be exposed to?
1. Disease risk
When compared to adults, the resistance of 9-year-olds is relatively poor, and the risk of contracting diseases is still relatively high. There are still a lot of major and specific diseases that threaten the health of children.
As in the case of pediatric leukemia, parents have to bear not only the heavy medical costs, but also the costs of follow-up rehabilitation and care, and even the need for parents to suspend work to accompany their children to the treatment, which reduces their income a lot. These are all losses to the family economy caused by the disease, which will bring a considerable burden to the family economy.
2. Accident risk
Nine-year-old children just do not like to be quiet, and the child's self-protection awareness is still not enough, there will be bumps and bruises, and the probability of accidents will rise.
According to statistics, unintentional injuries have now become the first cause of death for children under 14 in China. So the risk of accidents for children has to be treated with caution.
To this end, there is indeed a need to buy insurance for 9-year-old children.
Two, 9-year-old children's insurance configuration program
I believe that many parents in the child's age is relatively small, has helped the child to the children's insurance. So here, the school sister will not be for the children's insurance more introduction, we can together put the attention to the 9-year-old child with the matching commercial insurance.
So, what commercial insurance is suitable for 9-year-old children? The school sister summarized this insurance configuration formula: critical illness insurance + medical insurance + accident insurance.
1. Critical Illness Insurance
Critical Illness Insurance is the equivalent of a payout insurance policy, and with Critical Illness Insurance, the insurance company will pay the required premiums according to the previous regulations if the insured person suffers from the relevant illness and meets the conditions of the claim. In other words, if you have purchased a critical illness insurance policy, if your child suffers from a serious illness, the insurance company will be able to reduce the financial pressure on the parents, so that they don't have to worry about money, and they will be able to accompany their children to the treatment.
What we need to tell you is that since critical illness insurance only covers the illnesses in the agreement, you should choose an insurance product that covers high incidence of pediatric special illnesses and pediatric critical illnesses as much as possible when you get a critical illness insurance product!
With all the different types of critical illness insurance available on the market, which products can meet the insurance needs of a 9-year-old child?
2. Medical
Medical insurance is a reimbursement type of insurance that reimburses the insured for the cost of a hospital visit.
While medical insurance and critical illness insurance function, their purpose is to transform the financial dangers we face due to illness.
But the coverage of critical illness insurance only works for the diseases agreed in the contract, other diseases are not covered. As a result, it is also necessary to use the entry medical insurance to configure, the protection is more thoughtful.
Million dollar medical insurance belongs to one of the necessary insurance for nine-year-old children. It has high coverage and low premiums, cost-effective features, is still very suitable for all partners to buy.
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Another is that the reason is that million dollar medical insurance usually sets a deductible, and million dollar medical insurance usually won't pay out without reaching the amount of the deductible. However there are a lot of kids who often have these minor illnesses that occur due to colds and need to go to the hospital, and this type of spending is not as high as the deductible. But a small amount of money can be a lot of money. Therefore, it is recommended that parents configure a small medical insurance for their children, even if, colds and fevers can also come to reimbursement, and can reduce some of the economic pressure for parents.
3. accident insurance
In fact, the main role of accident insurance is to transfer the insured person in the event of an accidental injury to transfer the economic risk. I would also like to remind everyone that when choosing an accident insurance policy for your child, try to choose one that includes accidental medical, accidental disability, and accidental injury protection!
Let's say, for example, if a child is injured in an accidental fall while playing and needs to go to the hospital for treatment. After the insurance company reviews the case and confirms that there is no problem, the accident insurance can help us to reimburse the cost of treatment for the child's accidental injury.
Three, suitable for 9-year-old children's popular insurance evaluation
Currently on the market there are many popular insurance products, such as critical illness insurance, there are China Merchants Renhe Qingyunwei 1, the same side of the global Versailles plus, Beijing Life Bumblebee 7, and Thai Life's Super Mario 6, and so on.
Many parents would prefer to pick a product that is more famous among insurance companies or popular in the market. So does popular mean that the product is worth insuring?
Not only do you need to take out a critical illness insurance policy, but you can also choose an education fund for your child, which can be a better way to save money for your child's growth by utilizing insurance products.
There are quite a few education annuity insurance products on sale in the market, such as the Caritas Little Sun Education Annuity Insurance of Sino-British Life, New China Life's Growing Sunshine Children's Education Annuity Insurance (Participating), Evergrande's Fairview Education Annuity Insurance, and China Merchants' Renhe Xiaoyuanyuan Education Annuity Insurance, etc.
This is the first time that a child has to choose an education insurance policy for his or her children.
Four, children's insurance must be seen before buying
As long as there is a certain understanding of the insurance of friends also know, insurance contains a lot of knowledge, and is not, such a simple thing. There are various types of insurance, such as critical illness insurance, accident insurance, life insurance, annuity insurance and so on. Different types of insurance products are naturally different, and even insurance products will be more intentional iteration. When we analyze the insurance products, not only in addition to look at the content of the coverage, we also need to refer to the rules of insurance, exemption clauses and other aspects.
At the same time, the selection of children's insurance needs to be considered based on the insured's protection needs. A part of the critical illness insurance product, which itself is excellent in all aspects, but it is not provided in the pediatric critical illness and pediatric special illness protection, then this product is not suitable for children to choose.
Fifth, where to buy insurance for 9-year-olds
In addition to how to pick insurance, where to buy insurance is also a problem that confuses many people. Many people worry about picking unreliable and irregular platforms. The school sister respectively from the online and offline two ways, specifically for you to summarize well the following these ways you can buy insurance.
1. offline
Most insurance companies have a lot of branches across the country, and will open offline outlets in various places. For example, Ping An Insurance currently has more than two thousand eight hundred offline outlets across the country. If you are interested in a particular insurance company's products, you can search for the nearest branch of the insurance company, and you can go to the branch for consultation and insurance.
Secondly, we can also buy insurance through insurance salesmen. Insurance salesmen can match us with products and recommend suitable insurance products for purchase with the help of their professional ability.
2. Online route
With the rapid development of Internet technology, many insurance companies now set up official websites and platforms such as WeChat and official apps directly online. We can use these platforms, we are equally able to understand the relevant product information and purchase products.
The second thing is to directly dial the marketing phone number of the insurance company, you can also take out insurance.
Other channels are also available, that is, the Internet insurance trading platform. This platform is actually a third-party insurance sales platform, which actually belongs to the Internet insurance brokers, the same by the CBRC control, belongs to the legal compliance of the insurance company. So buy insurance with these platforms, but also very reliable.
So what are the differences between buying insurance online and offline? Which channel to choose when taking an insurance policy?
Six, a family how to configure the insurance
Children in the hearts of parents is irreplaceable, parents want to provide their children with the best protection. But do parents realize that they also need insurance protection?
When we choose the right insurance for our children, we should pay attention to the principle of "adults first, then children".
The husband and wife, who are the main source of income for the family, are the core of the family's financial resources. If the backbone fails, the impact on the whole family will be very great. Therefore, for the whole family, as the family pillar of the couple, is the first to configure the insurance.
Moreover, children represent the future and hope of the family, so the importance of children's insurance products is only one level lower than the urgency of the family breadwinner.
Lastly, don't overlook the issue of elderly support. Sister suggests that we should not neglect the insurance of the elderly when the economic conditions permit.
In that case, all members of the family need to configure all insurance? Of course not, for the family configuration insurance has the following these tips oh:
"3 sets of programs, with a family of insurance"
written in the last
I'm a schoolboy said insurance, focusing on objective, professional, neutral Insurance assessment;
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