Do you want to buy a health insurance for your child? What are the advantages and disadvantages of buying insurance?

It is also necessary to configure insurance for children. Children are prone to illness and injury, and some medical expenses cannot be reimbursed by social security. The allocation of medical insurance can reimburse some expenses and reduce expenses. In addition, the probability of children suffering from serious illness is gradually increasing. Once a child suffers from a serious illness, the cost of treatment and the need for family leave to take care of it are huge cost losses, and configuring a serious illness insurance can help us reduce economic losses. So how do you configure insurance for your child? Interested in reading this article: less than 1000 yuan, get the child's insurance!

Health insurance mainly includes medical insurance, sickness insurance, disability income loss insurance, nursing insurance and medical accident insurance. The most popular health insurance is critical illness insurance. Critical illness insurance is a one-time payment of a sum of money under the condition of meeting the claim conditions.

The advantage of buying insurance is that you can get corresponding protection. For example, provide a child with a critical illness insurance. When the child is seriously ill and meets the conditions for claim settlement, he can apply to the insurance company for an insurance premium, which can make up for the previous economic losses and can also be used as a follow-up rehabilitation fee. You can arrange and use this fund freely, without worrying about the huge loss caused by treating your child, or even affecting your normal life. If you haven't allocated critical illness insurance for your children, you can take a look at this list: the top ten cheap and high-quality critical illness insurance for children in 2022.

There is no big harm in buying insurance, except that there will be some pressure to pay. After all, it costs a certain amount to buy insurance. For people with low income and heavy burden, you can choose to pay by installment. With other insurance conditions unchanged, the longer the payment period, the lower the premium to be paid in each period, and the less the payment pressure. So how long should the payment period be chosen? According to the needs of different people, the optional payment period is also different. For details, please see this article: How to choose the payment period without losing money?

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