1 1 is it necessary for children to buy insurance? What should I pay attention to when buying insurance? Senior, let me tell you!
Before that, let's take a look at the opinions of experts:
10-/kloc-what kind of insurance is suitable for children aged 0/2?
1. 1 1 what kind of insurance is suitable for children?
1. Children's medical insurance
Presumably everyone knows that medical insurance is the basic guarantee of the country and must be bought for children!
Children's medical insurance is especially aimed at children's health, no matter what. Premature delivery of children is as important as congenital diseases, and children's medical insurance can also be purchased, which is a great benefit for every family.
The cost is low, the cost performance is not low, and the basic demand for reimbursement of hospitalization medical expenses is met by children's medical insurance.
2. critical illness insurance
One of the most serious diseases is cancer. In China, cancer has become the second leading cause of child death.
If the child is unfortunately suffering from a serious illness, the high treatment fee will not only cause great economic pressure to the family, but also make the family unable to save money and be heavily in debt.
Once the child needs hospitalization, then one person in the family must quit his job to take care of the baby, which will make it even more difficult for the already difficult family.
This is the essence of critical illness insurance, that is, once the insured suffers from the disease stipulated in the contract, insurance can pay a large amount of disposable money at one time.
This money can be used as a backing for treating the baby or reducing the family's financial pressure.
3. Medical insurance
The child's immune system and organs are still developing, and the body's resistance is not strong. From time to time, I get sick with a cold, fever. Buying a small medical insurance can better cooperate with children's medical insurance and can be reimbursed 100%.
A small medical insurance is only two or three hundred dollars a year.
If the child is hospitalized with a cold or pneumonia, just spend two or three thousand. In addition to the medical insurance reimbursement, the insurance company can also claim one or two thousand, and the premium for five or six years can also be returned immediately.
If the million medical insurance is compared with the small medical insurance, the number of claims can be larger, but the deductible of 10 thousand is set.
If a child is unfortunately seriously ill, tens of millions of medical expenses must be reimbursed by millions of medical insurance, so millions of medical insurance is still very important for children.
4. Accident insurance
The purpose of buying accident insurance is to have protection in case of accidental injury.
At present, most accidental injuries in China are directed at children under 14 years old, which is the leading cause of death.
Accidents are everywhere in our lives, and people can't foresee them. There is a great possibility of occurrence and death.
Accident insurance is a great guarantee for children. For example, accidental injuries such as accidental falls, burns, electric shocks, traffic accidents, drowning, animal bites, and play injuries are too important for children, so you must buy them.
Still not clear about the difference between critical illness insurance, medical insurance and accident insurance? You can refer to the explanation in this article:
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims? 》
After analyzing these, I believe parents have a new understanding of what insurance their children are suitable for.
However, when insuring children, there are still many places to pay attention to, otherwise nothing will be gained.
Second, what should I pay attention to when buying insurance for children aged1/kloc-0?
1. Adults first, children later.
Some people buy insurance for their babies, only pay attention to complete sets and spend money crazily.
Children have complete insurance, and then ask their parents? Either it is not insured, or it is not enough. It is really upside down!
Parents are children's greatest protection. As a result, when children are still young, their parents will fall, and their basic living needs will not be met. Who will pay for the child's insurance?
2. Guarantee first, then manage money
Many people are attracted as soon as they hear that return is omnipotent.
To be clear: protect first and then manage money!
Basic security can't be fully matched, but I am bent on spending money on financial insurance.
Suppose there is something wrong with your health, and you find that the financial insurance you bought did not enjoy the due protection, and the value-added function did not increase much, not to mention the money you spent on medical care. Regret is really useless.
Not much to say here, senior. After all, space is limited. If you want to know other matters needing attention, please continue reading:
In-depth writing-how to buy insurance for children? The netizen shouted: How can I see it now?
Write it at the end
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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