Enthusiastic and helpful senior sister, come and answer questions for parents!
Before answering, you should have a basic understanding of insurance knowledge through the following insurance knowledge books:
Before buying insurance, you must first understand these key knowledge points!
1. What insurance should I buy for my children? From the perspective of children, it is more practical to insure children's medical insurance, medical insurance, critical illness insurance and accident insurance.
Next, Senior Sister will explain the reasons in detail.
1. Children's medical insurance
It is equivalent to the welfare given by the state and belongs to the category of social security. The price is particularly affordable, only a few hundred dollars a year. If the child is sick, the basic guarantee of related surgery, treatment and hospitalization expenses is also available.
Children's medical insurance has many benefits that must be bought, and the country's wool must be picked up!
However, due to the basic guarantee, the scope and intensity of the guarantee are very limited. Look at this picture and you will know:
The reimbursement scope of medical insurance must be within the deductible line and the capping line, such as the reimbursement of imported drugs and special drugs, and medical insurance cannot be realized.
So we can pay more attention to the allocation of commercial insurance.
2. Medical insurance
Reimbursement insurance includes commercial medical insurance and child medical insurance. Commercial medical insurance is also a supplementary part of children's medical insurance, that is, you have to submit the invoice for medical treatment to the insurance company before you can reimburse it. The amount of compensation paid by the insurance company depends on the actual medical expenses.
Small medical insurance, millions of medical insurance are often seen.
The main object of micro-medical insurance is the small expenses generated by outpatient and hospitalization. The reimbursement amount is low, generally in the tens of thousands, and there is no deductible.
Children's immunity is poor, and colds and fever are common.
Although minor illnesses don't cost much, after years of accumulation, the number is also very large. In this regard, micro-medical insurance can help parents reduce economic pressure.
I don't know what kind of micro-medical insurance is worth buying for my children. {Don't worry, senior is arranged here:
Top ten "micro-medical insurance" recommended for children!
It doesn't matter if you have a minor illness. If a child is unfortunately devastated by a serious illness, the high cost of treatment will be a heavy blow to any working family, and millions of medical insurance can solve this risk well.
Judging from the amount of reimbursement, millions of medical insurance are more than one million yuan, and the scope of reimbursement is not small. Basically, social security is not limited, and 100% can be reimbursed. For major diseases, there is a deductible of about 10 thousand yuan.
3. critical illness insurance
Most parents feel that both medical insurance and commercial medical insurance are provided for their children. What is the reason for buying critical illness insurance?
In fact, it is very important to buy critical illness insurance for the following reasons.
As mentioned above, medical insurance belongs to the scope of reimbursement insurance; Critical illness insurance is included in payment insurance. When the insured unfortunately suffers from a serious illness and meets the contract, the insurance money will be paid by the insurance company.
Insurance money has a wide range of uses, not only to pay for illness, but also to make up for the reduced income during the period.
If some serious diseases unfortunately make children suffer, the follow-up rehabilitation expenses and health care products expenses are invisible expenses.
Moreover, it is very likely that one of the parents needs to take care of the children wholeheartedly, but if so, the family's economic income will undoubtedly decrease, which will bring a double blow to people.
These are all parts that are not reimbursed by medical insurance, but critical illness insurance can be done and certain insurance compensation can be paid.
Only medical insurance is incomplete, and the configuration of critical illness insurance is also very important.
Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders!
4. Accident insurance
The most effective way to prevent accidental risks is to buy accident insurance, which can provide help if the insured suffers death, disability or outpatient and inpatient medical expenses due to accidents.
Children are always active and have no ability to guard against risks. Compared with adults, the probability of accidental risks is greater, so it is necessary to buy accident insurance.
And generally speaking, the price of accident insurance is not high, and the cost performance is very high. Generally speaking, hundreds of thousands of insurance only need tens of dollars, which is acceptable to ordinary families.
It is not easy to buy insurance for children. We should not only find out the types of insurance, but also know some precautions. Let's move on.
Second, what are the precautions for buying insurance for children?
1. Adults take precedence over children.
Children are parents' treasures, and it is normal to think of them.
So many parents buy a full set of insurance for their children, but they don't.
What we need to know is that the family can't function without parents.
In case something happens to an adult, it is difficult to solve the child's support, and it is even more difficult to guarantee the child's subsequent premium.
Therefore, before buying insurance for your child, you must do your own protection first.
2. Guarantee first and then manage money
The biggest function of insurance is protection. We can't put the cart before the horse.
Many parents have a long-term vision, paving the way for their children's future, and will buy a lot of financial insurance for their children, such as education funds.
If something goes wrong, only financial insurance can't provide any protection.
Therefore, it is not impossible to configure financial insurance for children, but at least the guarantee must be done first to provide a good growth environment for children.
So that's what I want to tell you today. I hope I can help you. See you next time!