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Source: Zhihu.
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To buy insurance for children, you need to pay attention to the following points:
1, insurance is to prevent non-financial risks that seriously affect family goals or even collapse instantly;
2. Up to now, insurance is the only tool to deal with such risks;
3. Buying insurance for children, life insurance is not the primary consideration;
Children's health is the most influential factor in family financial arrangement. Because once you get sick, even if you lose everything, you will go all out as a parent.
How to choose child health insurance?
From the perspective of family financial planning, health insurance should be the first choice to buy insurance for children, because children's health problems are the risks that most affect family financial arrangements. How to choose health insurance? Children's health insurance, we mainly discuss three kinds: one is outpatient insurance, the other is critical illness insurance, and the third is hospitalization insurance.
1) Outpatient insurance is unnecessary.
When it comes to health insurance, the easiest thing for parents to think of is whether the clinic can pay for it. It is common for children to have a fever and catch a cold, especially in a foggy place like Beijing. Unless you are a DIY doctor to give your child a fever massage, once you go to the hospital, you won't be able to get off the stage for an hour or two. We studied it once and spent more than 1000 yuan on fever observation.
Everyone knows that outpatient clinics will happen frequently, but there is no way to buy insurance with high frequency and low risk of loss. This is the principle of insurance.
How to let everyone intuitively understand the principle of insurance? Let's take outpatient insurance as an example. Children may go to the clinic once or twice a month, and the cost varies from one to two hundred each time. If they have to make a claim every time, the administrative cost of writing a claim check by express delivery may be thirty or forty yuan, which has already occupied a considerable part of the claim amount. The operating cost of insurance companies in this kind of insurance is too high, which will inevitably pass the cost on to consumers and increase the premium. The final result is that outpatient insurance is of no value to insurance companies and consumers, but only to express delivery companies.
Think about it, the insurance company sells you an insurance policy and charges you 6000 yuan this year. As a result, you ordered 4000 yuan. In addition to operating costs, the insurance company has no money to earn, and he will increase your premium next year. Therefore, outpatient insurance is essentially cost management, not risk management.
Major insurance companies generally do not sell outpatient insurance for individuals. Even overseas, outpatient insurance is similar in premium and insured amount, and it must be in a fixed outpatient clinic. What insurance companies earn on outpatient insurance is basically management fees.
Therefore, in terms of outpatient risk, don't put your hopes on insurance companies, but "keep your own risks" because you can afford the risks and the risks are not high. Just set aside a sum of money every month. Unless the unit has purchased group outpatient insurance as employee benefits, this is another matter, and of course we should enjoy it.
2) Critical illness insurance must be bought as soon as possible.
Next, I will focus on critical illness insurance. There is no doubt that children's critical illness insurance must be bought, and the sooner the better.
By the way, no matter who you buy insurance for, you must follow two principles: first, adequate protection, and second, high cost performance. In short, I have bought enough, I have bought enough.
The first thing that needs to be solved is the purchase quota, that is, the problem of sufficient insurance coverage. When it comes to quotas, we must first explain the significance of critical illness insurance. Once you or your family are seriously ill, you must face huge expenses immediately. Even if there are other medical reimbursement schemes, you have to spend money first, so the cash flow will be tight and the family's economic situation will be tested. A senior actuary in the insurance industry once said: It is said that the mentality of cancer patients is very important. I would like to ask, both cancer patients, one has hundreds of thousands of treatment reserves in hand immediately, but the other has to worry about the cost of radiotherapy and chemotherapy tomorrow?
Therefore, the coverage of critical illness insurance should cover the average treatment cost of most serious diseases. You can look up this number online. I think 500,000 is appropriate. In order to save costs, the reimbursement amount set by critical illness medical insurance can be deducted. However, the amount of critical illness medical insurance varies from place to place. In Guangzhou, for example, the additional reimbursement for serious illness can be 1.5 million, so adults should buy at least 350,000 for serious illness insurance. However, minors are not reimbursed for serious illness medical insurance, and it is recommended to buy more than 500,000.
Some people think that it is unnecessary for children to buy such high money when they are seriously ill. The reason is nothing more than the low probability of a child suffering from a serious illness and the logic is chaotic. The probability of serious illness is low, so the rate is cheap; This is different from the medical expenses you have to pay after you get seriously ill. The author believes that if you want to buy insurance, you must buy enough according to your own needs, otherwise you can't fundamentally solve the family financial problems.
Second, about the types and restrictions of critical illness protection. This used to be a hot topic in the newspaper, but I think it is suspected of grandstanding.
The critical illness insurance in the market covers the same critical illness, and the types of critical illness covered by different products mostly overlap. The author has four critical illness insurances in three companies, but he has never paid attention to the nuances of the types of critical illness. Comparing these subtle differences is really a laborious and inefficient thing. When it comes to children's critical illness insurance, we should pay attention to whether it covers children's unique critical illness, such as Kawasaki disease and polio.
Third, the budget for children's critical illness insurance. In short, the cost performance should be high, the higher the guarantee, the better, and the lower the premium. Many parents will consider returning the goods. Actually, it's not necessary You must remember that children's critical illness insurance should solve the problem of protection, not savings. Paying too much attention to the return factor will disrupt the cost-effective analysis of protection and premium. In fact, critical illness insurance is rewarding, but it is only critical illness insurance plus a regular savings. In my experience, a child's critical illness insurance with a coverage of 500,000 yuan can cost 5,000 yuan a year if the insured is a two-year-old child.
To sum up, the critical illness insurance coverage for children is 500,000 yuan, and the budget is about 5,000 yuan per year. When buying, we don't need to overemphasize the return factor. It is necessary to focus on the cost performance of insurance coverage and premium. The higher the security, the cheaper the premium.
3) Children's hospitalization medical insurance: The products vary widely, so the choice should be cautious.
The serious illness mentioned above has the greatest impact on family finances and the lowest probability of occurrence; Outpatient service has the highest probability of seeing a doctor, but it has the least impact on family finance. The middle is hospitalization, the probability is not too high, but with the increase of medical expenses, the impact on family finance is increasing.
The so-called hospitalization medical insurance refers to insurance products that compensate hospitalization expenses. According to different products, the guaranteed expenses include all or part of the following expenses: hospital bed fees, hospitalization medical expenses, operation-related expenses, doctor's consultation fees, house patrol fees, ICU fees, etc. The reasons for hospitalization are both illness and accident.
There is not much difference between children's hospitalization medical insurance and adult's hospitalization insurance in terms of coverage, but due to the high frequency of children's hospitalization and poor prevention ability, the rate is generally more expensive than adult's hospitalization insurance. Hospitalization medical insurance, with the growth of age, the rate will change. Children are expensive, young adults are the cheapest, and they are more and more expensive with age.
Problems needing attention in choosing medical insurance;
(1) Whether the scope of therapeutic drugs (including instruments and treatment methods) is limited. Because the urban social medical insurance has guaranteed the hospitalization of children, the purchase of commercial insurance must cover the treatment expenses outside the social security drug list, otherwise it will not be able to supplement the lack of social security.
(2) Whether the renewal is guaranteed. In-hospital medical insurance is paid for one year and guaranteed for one year. The biggest loss is that I have been paying for many years and I am not sick. When you start to get sick, insurance won't last for a few years. The insurance company won't let you renew your insurance. So pay attention to the terms when buying: when will the insurance company not renew its insurance? According to the author's experience, domestic inpatient medical insurance is generally guaranteed to be renewed for five years, and the longest renewal is 65 years old. Of course, only by finding lifelong hospitalization insurance can we really play a guarantee role. However, this kind of hospitalization insurance for life-long guarantee renewal is basically not available in China. If an insurance company develops such a product, you can give me a feedback. )
(3) About the insured amount. There are two ways to calculate the general quota: by time or by year. I think it is more meaningful to calculate by time. When it comes to the amount, it depends on the reimbursement ratio and deductible. From the perspective of adequate protection, an ideal standard should be: the reimbursement amount for each hospitalization should be at least 20,000 to 30,000, and it is better to have no deductible, and the reimbursement ratio should be 100%. Reference rate of hospitalization insurance: Generally, domestic children aged two to three pay 500 yuan a year to 600 yuan, with the maximum not exceeding 10000 yuan each time.
Personally, I think this amount is not enough. The author bought hospitalization insurance when his child was two years old, and the annual payment was less than 2000 yuan. The upper limit of each payment is more than RMB100000, and the insurance will be renewed for life. There is no deductible, and 100% of the amount is reimbursed. Although it is more expensive than most insurances, I still think it is worth the money.
One more thing: hospitalization insurance and critical illness insurance are not contradictory. If you really suffer from a serious illness, the critical illness insurance will give you emergency funds at one time, and you will not be caught off guard by the sudden hospitalization deposit and treatment expenses; In addition, hospitalization insurance can also solve the problem of hospitalization expenses. In this way, family finances will not be greatly affected because a member is seriously ill.
At this point, the topic of how to buy insurance for children is basically over. The summary is as follows: buying insurance for children mainly solves the problem of health insurance. Outpatient medical treatment has high probability and low loss, so unless the company or unit provides employee benefits, it is not necessary to buy it; Serious illness has the greatest impact on family finances. Although the probability of occurrence is low, it is recommended to buy as soon as possible and buy as much as possible. Hospitalization insurance should be purchased, but the products are very different. Pay attention to the scope of medication, whether to guarantee renewal, deductible, reimbursement amount and proportion when purchasing.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.