There is. If you want to not be pitched, you need to buy the right one for you.
Before analyzing children's insurance, I would like to set up a concept for you: there is no single children's insurance product that is absolutely perfect for all children! You have to learn to judge your own child's situation and choose the right children's insurance for your child according to the actual situation. Returning to the main topic, many parents may be dazzled by the wide range of products when choosing children's insurance, so they can't make a decision.
So there will be a high chance of picking the one that suits your eyes when you simply don't know which children's insurance to buy.
If this is the way to choose children's insurance, congratulations! 90% chance of stepping on the mine. The first thing you need to do is to make sure that you have a good understanding of what you're getting into, and that you have a good understanding of what you're getting into! The first thing you need to do is to get your hands on some of the most popular products in the world, and you'll be able to do that with the help of your own personal computer.
This time, we have specially configured different budgets for children's insurance programs, hoping to help you pick the right children's insurance. This review of children's insurance, unadulterated advertising can rest assured that reference! The full text will be analyzed in a scientific and rigorous manner, to ensure that we are full of children's insurance dry goods.
Well, without delay, let's get down to business! Parents in the child's different ages should be how to configure a reasonable children's insurance? Take a look.
A, to children to buy insurance, to avoid the three major misunderstandings
1, the first misunderstanding: the first to buy insurance for children, adults do not matter.
2, the second misunderstanding: only focus on "cost-effective" and ignore the amount of coverage.
3, the third misunderstanding: blindly configure the education fund.
Two, how to reasonably configure children's insurance?
1, pediatric medical insurance configuration recommendations.
2, children's critical illness insurance configuration recommendations.
3, children's medical insurance configuration recommendations.
4, children's accident insurance configuration recommendations.
Three, 1,000 yuan to get children's insurance
1, limited budget children's insurance program.
2, advanced version of the children's insurance program.
3, advanced version of the children's insurance program.
Four, summarize
A, to buy children's insurance, to avoid the three major misunderstandings
Children are the heart of the parents, but the purchase of children's insurance, overly hasty it is easy to fall into some of the misunderstandings.
1, the first misunderstanding: the first to buy insurance for children, adults do not matter
Many people in the configuration of the insurance, out of love for the children, the priority to the children to buy children's insurance, and ignored to the adults insured. But in fact, the parents are the child's greatest protection. Adults are the umbrella of the child, the child is sick, there are parents to take care of the wind and rain. But if the parents are sick, the family will have no source of income.
The correct approach should be: adults first, then children. We should consider matching the child with the appropriate children's insurance when the parents have adequate coverage. This is in fact equivalent to the child on the double protection.
2, the second misunderstanding: only focus on "cost-effective" and ignore the amount of coverage
There are a lot of parents who always want to give the best to their children, children's insurance has a bunch of return type of critical illness insurance, think quite "cost-effective". "
In fact, the return type of critical illness insurance coverage is not high, the cost is not cheap. Personally, I don't think you should consider whether it's cost-effective or not to configure children's insurance for your child; adequate coverage is the bottom line for your child's medical treatment. It is true that outpatient care is high-frequency and high-cost, but what parents should prioritize most is the high cost of medical care and rehabilitation due to various accidents.
3, the third misunderstanding: blindly configure the education fund
Parents to the child configuration of children's insurance, but also take into account the acquisition of education fund. Want to save a child when the child is still small, so that the child's future less economic pressure. Although the starting point is good, but buy insurance to "first protection, after the financial". The core advantage of insurance is protection, not income! Preventing the risks associated with illnesses and accidents is extremely important for a family.
It is recommended that you configure your children's insurance with a complete set of basic protection before considering financial insurance. To buy children's insurance for children, is a gradual process of configuration.
Two, how to reasonably configure children's insurance?
Generally speaking, life insurance is prioritized for adults with heavy family responsibilities. Life insurance if the unfortunate insurance, but also can leave a compensation to meet the needs of raising children, supporting parents, debt repayment: children do not have income, do not bear the financial responsibility of the family, and therefore do not need to configure life insurance. What insurance we choose is often closely related to what risks we want to transfer. So from the perspective of risk transfer, the most important need to transfer through insurance is the risk of disease and accident.
Organized the types of children's insurance and the need to buy, as follows:
1, pediatric medical insurance configuration recommendations
Many people in the study of insurance, will find that the earliest age of the product is generally 28 days or more. It is not possible to purchase commercial insurance before this time. Pediatric health insurance is extremely important as the first gateway to baby insurance. Children's health insurance is the state's welfare insurance, inexpensive, no threshold for enrollment, regardless of congenital diseases or past medical history; can be unconditionally covered, which is irreplaceable by commercial insurance. After the purchase of children's health insurance, children's insurance also need to consider the following three types of insurance: critical illness insurance, medical insurance, accident insurance.
2, children's critical illness insurance configuration recommendations
Friends can often see, in order to give the child treatment, parents empty all the savings, and even owe a lot of foreign debt. In order to transfer this risk, a critical illness insurance is also very necessary to consider. Children's critical illnesses are relatively cheap compared to adults, three to five hundred dollars a year can also be configured to 500,000 coverage for 30 years. The child's sum insured should be at least 500,000, not only as a medical reserve, but also to cover 3-5 years of annual family income. If you choose a whole life critical illness insurance, try to choose a product with multiple payouts. Children have a long way to go in the future and need more protection, so the probability of multiple payouts is relatively high.
3, children's medical insurance configuration recommendations
Medical insurance is a supplement to social security. If the child has a serious illness, the million medical insurance can reimburse the cost of hospitalization before and after the outpatient emergency room, and cheap, can be a good transfer of the risk of serious illness. If the budget is sufficient, you can also configure a small medical insurance. Small hospitalization medical insurance, the coverage includes accident and disease caused by hospitalization medical expenses. Generally 0 deductible or a few hundred dollars deductible, reimbursement amount 1-2 million mostly.
New moms and dads don't know how exactly to buy small medical insurance? Tell you: but personally believe that small medical expenses will not cause too much financial pressure, the high cost of major medical expenses is our priority to prevent the risk. In the case of limited budget, should prioritize the configuration of million medical insurance.
4, children's accident insurance configuration recommendations
Children are naturally curious babies, falls, burns, drowning and other situations occur frequently. So a child accident insurance is necessary to configure on. Accident insurance is generally a low threshold, but it is not recommended to choose a bundled sales of accident insurance for the sake of convenience. Bundled accident insurance is generally long-term, and flashy, premiums are also surprisingly high. Choosing a one-year accident insurance policy is not only cost-effective, but also better products come out every year, so there is no fear of not getting a good product.
It should be noted that for children, the state has the following death limit: 0-10 years old: death benefit can not exceed 200,000 10-18 years old: death benefit can not exceed 500,000. For coverage, you can focus on accidental medical care, such as 0 deductible, 100% reimbursement, and reimbursement outside of social security.
Three, 1,000 yuan to get children's insurance
Buying insurance needs to be tailored to the different stages of children's insurance. Divided into three age stages to provide you with three different programs for your reference.
1, limited budget children's insurance program
Program analysis:
(1) children's critical illness insurance: Qingyunwei 2 (30 years)
Buy 400,000 yuan of insurance coverage, insurance for 30 years, that is, the insurance until the child 33 years old.
Adequate disease coverage and strong payout: In addition to the basic coverage for critical illnesses and minor and moderate illnesses, an additional $240,000/$80,000/$40,000 will be paid out for initial critical illnesses/moderate illnesses/minor illnesses within the first 15 policy years.
Comprehensive coverage for specific diseases for children: 20 types of special diseases and 10 types of rare diseases for children are covered, with an additional benefit of 480,000 for special diseases and 800,000 for rare diseases.
Mild and moderate illnesses are still covered after the claim of critical illnesses: general products terminate the coverage of mild and moderate illnesses after the claim of critical illnesses, while Qingyunwei No.2 can still pay out once during the period of coverage if the number of mild and moderate illnesses has not reached the number of claims after the diagnosis of critical illnesses is confirmed for 90 days, which is more humanized.
In case a child is diagnosed with a serious illness, the additional compensation can, to a certain extent, give the family more financial security.
And the Qingyunwei 2 cost-effective, insurance 30 years, 400,000 sum assured, the death of the case, only 500 + a year.
(2) Children's Million Dollar Medical Insurance: PICC Ironclad Mini Insurance 2 (Plan 1)
This is an exclusive Million Dollar Medical Insurance for children, which is guaranteed to be renewed up to the age of 17.
Solid basic protection and rich value-added services: general + critical illness medical coverage of up to 6 million, 86 kinds of special drug coverage, including access to medical green, hospitalization advances, online consultation and other value-added services.
If you are worried about your child's medical expenses for minor ailments, you can also attach a small hospitalization medical treatment, realizing 0 deductible for hospitalization.
And also provides specific protection for children, for 15 kinds of children's high incidence of serious illnesses, pay out 10,000 yuan of insurance benefits; hospitalization allowance of 100 yuan/day for vaccination reaction.
In case the child is sick and hospitalized, this product can greatly relieve the pressure of treatment cost.
(3) Children's Accident Insurance: Zhong An Little Naughty Boy No.2 (Basic Version)
The accidental coverage of Little Naughty Boy No.2 is very comprehensive, in addition to the basic accidental death/disability and accidental medical care,
it also includes accidental medical care for burns, coverage for specific infectious diseases, and it can be supplemented with coverage for accidental ingestion of foreign objects, bone fracture/dislocation of joints and accidental hospitalization liability allowance, as needed. Dislocation of Joints and Accidental Hospitalization Allowance can also be attached as required.
Accidental death/disability coverage of 200,000 + accidental medical care of 20,000 is also enough for a 3-year-old child, and the reimbursement conditions are excellent: 100% reimbursement without limiting the scope of social security.
Considering that children are still young and naughty, it is recommended to attach the responsibility of fracture/joint dislocation and accidental hospitalization allowance for more comprehensive protection.
Only $84 a year is needed for a good comprehensive accident protection.
The three products add up to a premium of $986 a ****, which meets the needs of a $1,000 budget.
Of course there are shortcomings in this protection, such as:
Because of budgetary constraints, the coverage period of critical illness insurance is only 30 years; the child's education fund is not yet well planned.
But we can wait for the subsequent economic prosperity, or wait for the child to become an adult, and then add insurance for the child.
How to choose the right medical insurance? Want to understand can also be directly click on the link below, directly for you to answer:
2, advanced version of the children's insurance program
Program Analysis:
This program premiums in the 2000 yuan or so, the medical insurance and critical illness insurance coverage has been upgraded by a grade.
The child can get a 400,000 sum assured critical illness insurance that covers up to age 70, 200,000 accidental coverage, and up to 6 million dollars in medical coverage.
(1) Accident insurance recommended is the big bodyguard II accident insurance - children's version
Big bodyguard II accident insurance - children's version of the accidental death / disability protection of 200,000, accidental medical coverage of 100,000 yuan, the premium is only 72 yuan / year, the price is really absolute son.
In addition to the above, the Dabangg II Accident Insurance - Children's Edition also comes with a $200,000 coverage for death/disability due to vaccination and a $10,000 coverage for medical treatment due to general reaction to vaccination, which is very practical.
Generally speaking, in order to strengthen the resistance of newborn children, parents will take their babies for vaccination.
But vaccinations are not tolerated by every baby, and allergies/deaths caused by baby vaccinations are not uncommon.
The vaccination cover that comes with the Dabangsa II Accident Insurance - Junior can give your baby financial protection in this regard.
(2) Critical Illness InsuranceThe recommended critical illness insurance product is Qing Yun Wei 1 Junior Critical Illness Insurance
Qing Yun Wei 1 Junior Critical Illness Insurance is a critical illness insurance product designed specifically for children.
The 20 pediatric high incidence special illnesses and 10 pediatric rare diseases coverage of Qingyunwei 1 Pediatric Critical Illness Insurance is very friendly to children.
On top of that, Qingyunwei 1 Children's Critical Illness Insurance comes with Sickness Care Benefit, which pays out an additional 50%/20%/10% of the basic sum assured on first diagnosis within the first 30 policy years.
With the addition of this sickness care premium, the first diagnosis of critical illness will be covered up to a maximum of 150%, which is a great protection.
This program, the choice of 400,000 sum assured, insured to the age of 70 years, 30 years of payment, the premium leverage to the highest, to reduce the financial pressure on the family.
(3) The recommended medical insurance is ZhongAn Dignity eLife 2022 Edition Medical Insurance
The medical insurance of this program, ZhongAn Dignity eLife 2022 Edition Medical Insurance was chosen to increase the coverage of medical insurance.
ZhongAn Dignity eLife 2022 Edition Medical Insurance has a $6 million medical insurance benefit for malignant tumor proton heavy ion medical/out-of-hospital specific drug expenses.
Among similarly priced medical insurance products, it has to be said that ZhongAn ZongXian ZunXian 2022 Edition Medical Insurance does a good job in malignant tumor coverage.
Besides that, ZhongAn Dignity eSheng 2022 medical insurance is also designed to cover minors.
1 million medical insurance benefit for specific drug expenses/specific device consumables expenses for rare diseases of minors, which is very caring for the protection of minors.
Here's a reminder:
Accident insurance is generally no health notice, most of them are bought once a year;
And the state has a rule: 0-10 years old children's death benefit, can not exceed 200,000.
So, if it is 0-10 years old baby insurance, the death of the sum insured do not have to choose too high, do not let your money down the drain!
3, advanced version of the children's insurance program
Program analysis:
This program is about 3250 yuan per year premium, more expensive than the advanced version of more than a thousand, mainly in the dual-case disease insurance stacked benefits.
Critical illnesses can pay up to 700,000, 200,000 accidental coverage, and up to 6 million in medical coverage.
(1) Accident insurance recommended by the Ping An children's comprehensive accident insurance 2021 version (basic version)
Peace of mind children's comprehensive accident insurance 2021 version, accidental death/disability protection 200,000, 68 yuan/year to buy a 200,000 amount of coverage for accidental steady not lose.
Peace of mind children's comprehensive accident insurance 2021 version has two features: third party bodily injury to minors, a variety of transportation accidental death/disability benefit protection.
School violence and other events are endless, in the face of such a situation of third-party bodily injury protection of minors set up, it is very humane.
According to statistics, every family in China has two cars on average, and this situation has increased the incidence of traffic accidents, so traffic accident protection is still very practical.
(2) Critical illness insurance recommended by Hengqin Dumbo Critical Illness Insurance and Fosun United Moms BaoBei Newborn Edition
Critical illness insurance configuration of two, a 300,000 sum insured, insured up to 30 years of Fosun United Moms BaoBei Newborn Edition;
A Hengqin Dumbo Critical Illness Insurance, 400,000 yuan of sum insured, protection for life.
Configuring two critical illness insurance can make the protection more comprehensive, in addition to the benefits can be stacked, can be attached to a richer coverage.
Such as: pediatric special/rare diseases, customer rights and services, multiple critical illness benefits.
The child has 700,000 critical illness coverage until the child is 35 years old, which is a critical period for the child's physical development from weak to strong, and academic/career struggles to start a family;
More adequate coverage is needed to protect against the major risks and pressures that may arise during this period.
Additionally, there is a 400,000 Critical Illness Sum Assured after the age of 35 years.
A term life policy can also be added when the children become adults and have family responsibilities.
(3) The recommended medical insurance is ZhongAn Dignity eLife 2022 Medical Insurance
For medical insurance, ZhongAn Dignity eLife 2022 Medical Insurance is still the same as the advanced version.
High coverage + multiple benefits + low premiums, really good value for money!
Four, summary
No matter how the future changes, what remains unchanged, is the love we give our children and the children's pursuit of happiness in the beginning. We should all take a step-by-step approach according to the family budget and needs, and reasonably configure children's insurance.
It is still important to emphasize that parents should prioritize the allocation of good insurance for themselves before considering the acquisition of children's insurance; after all, you are the children's greatest protection and reliance! I hope that every parent who cares about their children can give them a comprehensive protection. Let the child on the way to life when encountered disease or accident, can waves of response, fearless forward; this is the parents of the child's best love and guardianship.