Most parents know nothing about child insurance.
Today, I will tell you something about child insurance.
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First, before allocating commercial insurance for children, medical insurance for children must be arranged first.
Children's medical insurance belongs to the national welfare policy and is the most basic medical security for children.
All children can buy it, and children's medical insurance premiums in most areas are relatively cheap.
It only costs about one or two hundred yuan a year. I suggest that every parent buy a medical insurance for children.
Children's medical insurance premiums are low, but the coverage is relatively wide, and children's hospitalization and outpatient expenses can be reimbursed.
Therefore, it is very cost-effective to buy a child health insurance for children.
In addition to buying children's medical insurance, you can also provide accident insurance, critical illness insurance and medical insurance for children.
Child accident insurance is mainly used to protect children from accidental injuries.
Because children's resistance is weak, buying critical illness insurance and medical insurance can protect children's health well.
Critical illness insurance means that you can pay the insured amount as long as you have a serious illness stipulated in the contract, and the money is at your disposal.
Medical insurance is divided into small medical insurance and millions of medical insurance.
Small medical insurance covers minor illnesses, such as colds and fever.
Millions of medical insurance covers serious diseases, such as leukemia, Kawasaki disease and so on.
Children's serious illness treatment costs are high, and millions of medical insurance can reimburse most of the medical expenses and reduce the burden on families.
Thirdly, I recommend several popular accident insurance for children in the market.
Here, I choose a product to introduce to you.
Life-saving child accident insurance (upgraded version)
This product has a complete set of accident medical insurance and other insurance.
The amount of accidental medical compensation is 50,000 yuan.
The hospitalization allowance is 100 yuan a day, and there is a maximum of 180 days of hospitalization allowance compensation.
The compensation for hospitalization allowance of this product is much higher than that of cute baby.
Secondly, in terms of other guarantees, there is 200,000 compensation for death/total disability caused by vaccination.
Vaccination has an accidental medical compensation of 1 0,000.
Secondly, the liability of the third party is 65,438+10,000.
Let me summarize the accident insurance for children.
Pursuing comprehensive protection: cute baby (peace of mind) and child accident insurance (upgraded version).
Take a fancy to accident medical insurance: cute baby (peace of mind), big bodyguard (children's version), child accident insurance (upgraded version).
Take a fancy to the brand of big company: Little urchin (Basic Edition).
Take a fancy to hospitalization allowance: cute baby (peace of mind) and child accident insurance (upgraded version).
Next, I recommend critical illness insurance for children.
Kunlun Health Guardian No.3 Children's Edition Here I also choose a product to introduce to you.
"""Sunshine Insurance Premium Edition
This is a regular critical illness insurance for children, and the basic guarantee responsibility is relatively comprehensive.
Its critical illness insurance coverage can be increased.
The insured amount is increased by 20% every two years, and the maximum compensation can be 200%.
In terms of child-specific disease protection, there are 22 high-incidence child-specific diseases.
Six years before the policy takes effect, if the insured is diagnosed before the age of 30, an additional 200% of the insured amount can be paid.
After the policy takes effect for 6 years, you can pay an additional amount of 100%. This product also has some disadvantages. It doesn't have any extra guarantee.
Therefore, parents should carefully consider when choosing.
Let me summarize the children's critical illness insurance for you.
Pursuit of high coverage for serious illness: Sunshine Insurance Beyond Edition, Gabe Bao.
Adequate budget, want to ensure better: patron saint, guardian 3 children's edition.
The pursuit of high coverage for children with special diseases: Mommy Bao Bei, Jiabao and Sunshine Baby Beyond Edition.
If you want to know more about other children's critical illness insurance, you can read our previous article.
Finally, I recommend several popular millions of medical insurance in the market.
Pacific Life enjoys a million dollars, and I also choose a product to introduce to you.
""Good medical insurance and long-term medical care 2020
This product is a million medical insurance with a six-year guarantee.
As long as you are not engaged in high-risk occupations, you can apply for insurance.
Its basic guarantee is also relatively comprehensive, and the general deductible is 6 years 1 10,000 yuan.
Simply put, if the insured's self-funded expenses exceed 6,543,800 yuan within 6 years, the insurance company will reimburse the excess.
Secondly, the value-added service of this product is also comprehensive.
Including medical green channel, medical expenses prepaid, proton heavy ion payment and drug purchase payment.
The renewal conditions of this product are also relatively simple.
If the product has not stopped selling after your warranty expires, there is no need to review it when you renew your warranty.
If the product is discontinued and you want to renew the new product, you don't need to inform your health.