For the first time parents, after the role change, the child is the heart of the meat, to the child to prepare everything of course, if the best choice.
As the saying goes, "Insurance is a tool for transferring risks. Even if parents are particularly eager to buy insurance for their children, but also must not blindly make a choice, today with a 6-year-old child to give an example, to tell you what they need to configure what insurance? What do you need to pay attention to?
Before the insurance, the parents must remember to collect this children's insurance strategy:"6-year-old children suitable for buying which insurance"
A, 6-year-old children need to configure what insurance?
The order of priority for purchasing insurance for a 6-year-old child is: pediatric medical insurance > critical illness insurance > medical insurance > accident insurance.
1, children's health insurance: children's health insurance is a national nature of universal, mutual welfare, the state to give protection, including hospitalization, treatment, surgery and other medical expenses. It is mainly characterized by "low level and wide coverage".
Medicare has a lot of limitations, we should not think that it is all-powerful, we can look at the following chart to understand the details:
>> reimbursement directory limitations: the current medical insurance on the drug catalog, diagnosis and treatment catalog these aspects of the limitations, want to reimbursement of only can reimbursement of domestic and social security directory of medicines, to the insured of the content of this coverage is the most basic.
If you want your child to have access to more advanced medical equipment and to imported drugs with good efficacy, such as targeted drugs for cancer, you will have to pay for them yourself. Patients often spend the most money on these drugs.
But there are many more situations in which health insurance can't reimburse, and this article gives a breakdown of those:
"It's amazing that health insurance can't reimburse you in any of these situations!
>> reimbursement limit: health insurance for the starting line and the ceiling line, the starting line of 500 ~ 1,000 yuan, the ceiling line of 100 ~ 200,000 yuan, lower than the starting line or is higher than the ceiling line of the cost will have to pay out of pocket.
So it is only through commercial insurance that we can complement what is not covered by pediatric health insurance.
2, critical illness insurance
6-year-old children because of the age of young, for the disease does not have a strong resistance. There is a high probability of getting a serious illness, the following are several kinds of children often suffer from serious illnesses:
These diseases are not only easy to develop, but also need a large sum of money to treat the cost of the ordinary family, the pressure is quite big, usually need 100,000 to hundreds of thousands of dollars ranging. If you buy a critical illness insurance for your child, parents will not have to worry about their children.
The main purpose of insurance companies to develop critical illness insurance is to protect the safety and interests of patients suffering from major illnesses, and its type of insurance also belongs to the type of payment insurance, critical illness insurance for eligible people's payout is never directly to give and not procrastinate.
The money can be disposed of at will, with the benefit, we no longer have to worry about taking care of children and can not work to bring us the pressure, full-time care of sick children when there is no way to work normally, so this time the car loan, mortgage and the child's recovery of the medical expenses, nursing costs are available with this money; can also maintain the family's daily life of the fixed expenditures.
3, medical insurance
For illness and accident caused by hospitalization expenses, medical insurance can pay. It is generally categorized into million dollar medical insurance and micro medical insurance.
Small medical insurance for 6-year-old children with colds, fever and these common small illnesses, but there will be serious illnesses, or do not meet the circumstances of the critical illness insurance, to use this insurance: million medical insurance it is usually used for reimbursement of major illnesses.
High amount + low premium is the characteristics of the million medical insurance, only cost a few hundred dollars, millions of dollars of coverage can be bought, can reduce the parents' worry, but also can provide better medical conditions for the child. It is not limited to the use of social security drugs, to make up for the medical insurance "insurance but not cover" medical costs.
4, accident insurance
Everywhere there are accidents, given that 6-year-old children are quite active, curious about new things, but often face danger unaware, bumping is a common thing. Perhaps there is a risk of encountering the following accidents:
When the insured suffered an accident, accident insurance will have to play a role, in general, only need to spend a few dozens or hundreds of dollars to cover the whole year, the price of the premium is low, but also do not need to report health status,
Children's accident protection can be done for just a few hundred bucks, who can not be tempted to do so?
If parents want to buy insurance for their 6-year-old child, we recommend using this combination package critical illness insurance + medical insurance + accident insurance.
Two, to buy insurance for children, must pay attention to these misunderstandings!
1, only to buy insurance for children, adults "naked"
Parents always want to give their children the best, always think of the children first, not only in the aspect of the insurance, parents always ignore their own.
In fact, all parents for their children to provide the most comprehensive protection, they also exist as a family breadwinner, should be in the protection of their own premise before considering the child.
2, pay attention to education, ignoring the protection
Many parents in the insurance will be the first configuration of the child's education, but will be the disease, accidents and other related protection ignored, ignoring the real function of the insurance.
Let the child have a disease, accident insurance is actually what we as parents hope for the most, so we should first match the pure protection class products, and then go to consider those education fund type of insurance.
3, buy life insurance for children
Some people do not understand will ask: "Why life insurance is not suitable for children?" Because life insurance is only claimed when the insured dies, it is transferred to the economic pillar of the family's financial responsibility, the world is unpredictable, in case the family pillar suddenly collapsed, then this is also considered early prevention.
The average family will not put the financial burden of the family on a six-year-old child, so there is no need to buy life insurance.
Many people may not pay much attention to the time to buy insurance for their children, especially easy to enter the wrong area, so you need to pay attention to it, read this article, can let you less step on the unnecessary pit:
"Insurance how to buy? Hands-on teaching you to avoid these pits"
Written in the end
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