The problem of how to buy insurance for children stumped many parents. Today, senior sister will learn with you how to buy insurance for children so as not to be cheated! Follow the following three criteria:
First, medical insurance is essential, especially for children!
Newborn medical insurance can be handled immediately after the child is registered in the household registration. Whether it is a serious illness or a minor illness, basic medical insurance is particularly important, which is why medical insurance is called the national first insurance.
Second, three kinds of commercial insurance, namely, critical illness insurance+medical insurance+accident insurance, should be configured together after handling medical insurance.
First of all, critical illness insurance can provide us with a longer protection time. In addition, critical illness insurance can directly pay a large amount of cash after illness, which can not only solve the problem of medical expenses, but also solve many hidden problems caused by illness, such as falling behind in school because of illness, or some irreparable losses in subsequent life, which need a lot of cash to make up. Buying a pure protection type of critical illness insurance can just solve these follow-up problems.
So what are the children's critical illness insurance worth knowing this year? I sorted it out in this answer that Baidu knows, click to read and update it every Monday! The latest ranking of popular critical illness insurance for children.
Let's talk about medical insurance, which can be used to reimburse children's usual medical expenses. For example, it is cost-effective and practical to configure a 0 deductible hospitalization medical insurance with a coverage of 10,000 yuan and an annual premium of one or two hundred yuan.
Finally, configure an accident insurance, and children's accident insurance is very cheap. As long as you arrive in 70 yuan at 60 a year, you can buy 200,000 yuan. Although you don't spend much money, the protection is quite extensive. Accidental death, disability and accidental medical responsibility are all covered, which is very cost-effective.
3. What types of insurance are not recommended for children?
Don't buy life insurance for your children, and try not to consider the critical illness insurance with dual responsibilities. I know the specific reasons in this article. How to buy child insurance is the most cost-effective? The most comprehensive insurance strategy! There is a detailed introduction in the book, because it has been written in detail in the manuscript, so I won't spend too much time introducing it here.
According to the above insurance ideas, if you provide regular insurance for children, you can get a comprehensive allocation of 1000 yuan every year. If you buy life insurance, it will be two or three thousand a year, which is very cost-effective.
The above is what I mean by "Taikang auspicious health insurance plan (dividend-paying) annual payment for children with serious illness". What's the difference between paying critical illness insurance multiple times? I hope I can help you!
Hope to adopt!