The mainstream of children's insurance includes critical illness insurance, accident insurance, medical insurance and education fund insurance.
I. critical illness insurance
Critical illness insurance includes fixed-term insurance and life-long insurance, and fixed-term insurance is divided into fixed-term consumption insurance and fixed-term return insurance. Regular consumption is cheaper, suitable for people with small budget or low income; Regular return of premium is higher, but the saving effect is stronger. The premium returned at maturity can be used as a pension, killing two birds with one stone; Lifelong products also have a strong saving function, which can guarantee life during the guarantee period and get cash value when money is urgently needed.
(A) regular consumption type
The guarantee period is short, the cash value is very low, but the premium is cheap. It is not recommended to buy this kind of critical illness insurance only for children, because if the child does not get serious illness during the insurance period, but there are some physical problems, it will be very troublesome to buy critical illness insurance products after the expiration. Regular consumption of critical illness insurance includes Xinhua I Health, Hongkang Healthy Life A+ Mild Disease B, etc.
(2) Regular return type
During the guarantee period, you can choose independently, and there are products specially designed for children, which will be guaranteed until adulthood. For example, Xinhua's Anxin Baby (click on direct online insurance). Children from 30 days to 16 years old can be insured, and the protection period can be as long as 25 years old, covering 25 major diseases and 2 specific diseases (leukemia, encephalitis sequela or meningitis sequelae). Take a 0-year-old boy as an example. When he is 25 years old, he pays 18 years old, the insured amount is 300,000 yuan (leukemia, meningitis sequelae or meningitis sequelae is 600,000 yuan), and the premium is 1980 yuan. If the insured survives to the age of 25 at the end of the insurance period and there is no major illness claim, then the insurance company will refund the premium paid. Critical illness insurance is returned regularly, including the golden childhood of PICC and the super insurance of the Pacific Ocean.
(3) Lifelong type
Lifelong products are guaranteed for life, generally including death, serious illness, minor illness, exemption from minor illness and comprehensive liability, but the premium is higher than that of regular critical illness insurance products. Lifelong critical illness insurance includes Tongfang Global Jian Kang Lifelong Multiple Insurance, Taikang Le Ankang, Tianan Health Source No.2 and Ping An Children Ping An Fu.
Second, accident insurance.
Generally speaking, due to the poor self-control, self-protection, responsiveness and flexibility of the elderly and children, the possibility of accidental injuries is relatively high. Children receive the most protection in infancy, and in the first six months of life, babies can't sit still and are held by their mothers and caregivers, which is the least harmful. In the late infancy, when they start to walk and act independently of their mothers and caregivers, the injuries begin to increase. In different periods, the damage is roughly as follows:
Infantile period: suffocation, falling, poisoning.
Start walking: fall, animal bite, burn.
5-9 years old: fall injury, vehicle collision and abrasion, sharp instrument cut, burn and scald.
10- 14 years old: fall, burn, sharp instrument cut, aggressive injury.
There are many accident insurance products, such as Million Life Insurance in Zurich, Comprehensive Accident Insurance in Taikang and Personal Accident Insurance in Times.
Third, medical insurance.
Medical insurance is different from critical illness insurance. Many people confuse the two products. In fact, these two products have different functions, so they have different functions. Critical illness insurance belongs to the payment type. Those who meet the payment conditions will be paid according to the agreed amount, no matter how much it costs. The function of critical illness insurance is not only to compensate medical expenses, but also to compensate income loss and rehabilitation expenses. Therefore, critical illness insurance belongs to income loss insurance. The higher the income, the higher the insurance coverage should be. However, medical insurance is compensatory, and the amount reimbursed by insurance companies cannot exceed the actual amount spent, mainly to compensate medical expenses.
Therefore, judging from the difference between the above two, critical illness insurance plays a greater role and should be the first product to be purchased. Medical insurance can be used as a supplement to social security and critical illness insurance. At present, there are not many medical insurance products on the market, mainly because the medical insurance market is immature, the profit is not big, and the enthusiasm of insurance companies to promote medical insurance is not high.
In addition, many people pay more attention to the protection and renewal of medical insurance, hoping that insurance companies will not refuse insurance because of their poor physical condition or excessive payment, and hope that insurance companies will continue to underwrite. However, this is an unrealistic problem. Property insurance companies can also operate short-term health insurance, but not long-term health insurance. If the insurance is renewed, it will become long-term health insurance. Property insurance companies have no experience in operating long-term health insurance and will not withdraw reserves like life insurance companies, so they are allowed to close down. Therefore, the CIRC does not allow property insurance companies to have the words "guarantee renewal" in one-year products to control risks. Even so, when operating medical insurance, most insurance companies will also promise in other forms that they will not raise premiums or refuse insurance for individuals because of the insured's physical condition.
Medical insurance products include Yong 'an Lejian Lifetime (children can't buy it alone), Ping An E-Life Insurance 20 17, Zhong 'an Exclusive E-Life Insurance 20 17 and so on.
Fourth, education fund insurance.
Annuity insurance is a kind of financial insurance, and its protection function is not as good as insurance (accident insurance, critical illness insurance, medical insurance, etc.). Insurance needs to be named "Bao", so insurance products need to be the first choice for purchase, and then consider annuity insurance. The functions of annuity insurance are compulsory saving, earmarking and maintaining and increasing value. The annuity insurance with high cost performance in the market includes Fu Mantang in Tianan and li jinxi B in Great Wall.