What is the best insurance for children?

For children's critical illness insurance, the amount of insurance should be an important consideration. Because of the delicate physiological conditions of children, once they suffer from major diseases, the cost of treatment will be higher than that of adults. Therefore, parents should determine the amount of insurance according to their own economic conditions and the actual situation of their children. Generally speaking, the insurance coverage of 500,000 yuan to 6,543.8+0,000 yuan can meet the needs of most families. Click to receive 1 insurance consulting service for free.

First, the age of the child. The younger the child, the more you should choose the critical illness insurance with long protection time and comprehensive coverage, because the higher the health risk. It is recommended to choose the protection period after 60 and 70 years old.

Second, the basic situation of the family. Consider the family's financial situation and other insurance protection. If the family economy is relatively stable, you can choose critical illness insurance with higher insurance coverage. If the family has already purchased insurance, they can choose appropriate critical illness insurance as supplementary protection.

Third, children's health. If the child has a family history or is weak, he should choose to protect more comprehensive critical illness insurance. If the child is physically strong, you can choose the basic critical illness insurance.

Fourth, the social security situation. If the family social security is relatively complete, you can choose the basic critical illness insurance. If the social security is weak, you can choose the comprehensive critical illness insurance.

Finally, most insurance companies provide various additional protection, such as sickness exemption and medical allowance. When parents choose critical illness insurance for their children, they should choose corresponding additional protection according to their own needs and economic strength, so that the insurance products are more in line with their actual situation.

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