Although it can't solve all economic losses, it can also reduce economic pressure and financial risks.
How should children buy insurance? Parents must read this article highly praised by netizens:
How to buy insurance for children? The netizen shouted: How can I see it now?
Next, senior sister will tell you about the precautions for children aged 15 to buy insurance and the insurance suitable for them ~
I./kloc-Matters needing attention for children aged 0/5 to buy insurance
1. Adults take precedence over children.
Children are parents' favorites and want to give their children the best life and security, so many parents often buy insurance for their children first, regardless of themselves. Actually this is a wrong concept!
Parents provide their children with all kinds of things, but they don't consider themselves. If parents die unexpectedly, can anyone continue to pay premiums for their children? Therefore, before buying insurance for their children, parents should first understand the comprehensive personal protection of adults, buy insurance for themselves first and then buy insurance for their children.
Among them, parents should pay great attention to the exemption of the insured. In any case, it is necessary to add this clause to the insurance, so that even if the parents are unfortunately seriously ill or die, the premium of the child's policy can be exempted and the protection is still effective.
Let me tell you how to configure family insurance. After reading it, you will know how family members should configure insurance:
"3 plans, complete family insurance"
2. Life insurance is the mainstay, supplemented by financial insurance.
There are many parents who buy tens or hundreds of thousands of financial insurance for their children. Generally, the products they can choose are education fund, annuity insurance or incremental whole life insurance. These financial insurances cannot provide personal protection for children. Although some financial insurance involves personal protection, the coverage provided is also very limited.
Therefore, parents should follow the principle of "personal insurance first, financial insurance second" and understand the priority, mainly to give their children a comprehensive protection first, and then to buy financial insurance.
3. Don't buy return insurance.
"If you are sick, you will be treated, and if you are not sick, you will get a refund", which will make everyone feel that I am no longer worried about not paying for it, and it is welcomed by many parents.
The product consumption of consumer critical illness insurance is less than half of that of returned critical illness insurance, so the price is relatively low and it is not fully guaranteed. What is even more worrying is that there is no guarantee for Chinese diseases. Simply take the rest of the money to manage money.
Therefore, senior students do not recommend that you buy return insurance.
4. Don't buy life insurance
In order to give children enough protection, some parents even bought life insurance.
Buying life insurance for children is of course beneficial, but it doesn't really work. The situation of life insurance is mainly suitable for the purchase of family economic pillars. Faced with great economic pressure, it is difficult to understand family responsibilities, and children will not fully understand them.
Moreover, the insurance law has restrictions on the amount of death insurance for minor children, including that the amount of death insurance for children under the age of 10 cannot exceed 200,000, and that for children under the age of 1 1- 17 cannot exceed 500,000, and the amount of compensation is limited, no matter how much you buy.
Second,/kloc-What kind of insurance is suitable for children aged 0/5?
Accidents and diseases are the most likely risks faced by children around 15 years old. Therefore, for children of this age, critical illness insurance+medical insurance+accident insurance is a very suitable configuration scheme.
1. critical illness insurance
Critical illness insurance covers major diseases, such as malignant tumor, acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation. If it meets the requirements of the contract and claims, you can pay a sum of money directly and you can control it freely.
15 children are young, but the incidence of some serious diseases in children is still very high, such as leukemia, severe myocarditis, severe hand-foot-mouth disease and severe muscular dystrophy.
Moreover, according to the survey of the International Society of Children's Oncology, in the past 10 years, the incidence of children's tumors in China increased at a rate of about 2.8% every year, and children's tumors have become the second leading cause of children's death.
Moreover, the cost of treatment for serious diseases is beyond the affordability of ordinary families, such as cancer, which needs as much as 300,000-700,000. This is a big expense for ordinary families, and many families are in economic crisis because of expensive treatment expenses.
It can be seen that the incidence of serious diseases is relatively high and high treatment costs are needed. It is necessary to buy critical illness insurance for 15 children, and the premium will increase with age. 15 is still relatively young, and the premium is not very expensive.
If you don't want to be cheated, you should pay attention. After all, critical illness insurance covers a long time, with many terms and products. So senior has prepared the latest list of excellent critical illness insurance for you to choose from:
"Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders! 》
2. Medical insurance
Medical insurance is reimbursement insurance, which makes up for the shortage of social security. Medical expenses caused by diseases or accidents can be reimbursed. For example, millions of medical insurance covers special outpatient services, front and back emergency services, hospitalization and surgery. Basically, it can be reimbursed by 65,438+000%, and the cheap price is 65,438+05 after excluding social security reimbursement and deductible (generally 65,438+00,000 yuan).
For example, beyond insurance 2020, not only the protection is comprehensive, but also the price is cheap. It can also guarantee the renewal of insurance for six years, as well as value-added services such as medical green link and first payment of medical expenses. It is an excellent million-dollar medical insurance.
If the budget is sufficient, you can also configure a micro-medical insurance. The deductible of 0 or several hundred dollars is about 20,000 to 20,000 yuan. Medical reimbursement, hospitalization for common diseases, unexpected hospitalization medical expenses, self-funded drugs, outpatient expenses, etc. It's all settled.
3. Accident insurance
15 children have just entered junior high school. They often play around, play football and play. If they are not careful, they will get hurt. It will also happen that the hot kettle burns the child. We can't ignore the safety hazards of this kind of household appliances.
We are not sure when the accident will come. Instead of worrying about it every day, it is better to do a good job of risk protection and configure an accident insurance for your child. When the accident comes, we can get a sum of compensation, which can make the later treatment more secure.
Accident insurance doesn't need much, and it can be done by spending tens of dollars to one or two hundred dollars a year.
Generally speaking, to buy insurance for children aged 15, we should first pay attention to the protection of adults, and then consider the insurance for children; Return insurance and life insurance can be ignored, but you must protect yourself first and then settle the claim. If you configure insurance for children aged 15, you can consider critical illness insurance, medical insurance and accident insurance.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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