Children's insurance recommends three kinds of insurance. Dad will introduce it to you below.
1. Critical illness insurance for children
Major diseases have dealt a heavy blow to patients and their families, and various reports of poverty caused by illness and separation of family members are endless. Dad thought that if there was critical illness insurance, these families might not be like this.
Children's critical illness insurance mainly guarantees children's high incidence and serious illness. Because children are a special group, compared with adults, some specific serious diseases are more likely to appear on children, so children's critical illness insurance is aimed at children's high incidence of serious diseases within the scope of protection.
When a child is unfortunately suffering from a serious illness as agreed in the contract and meets the claim conditions, the insurance company will pay a large sum of money at one time, which can be used for subsequent rehabilitation expenses and family living expenses to reduce the economic burden of the family.
Children's critical illness insurance is a solid barrier for children's health protection. You must give it to your children.
2. Medical insurance
As one of the main contents of health insurance, medical insurance has always been our first choice when buying commercial insurance. Health is a matter of great concern to all of us. As a powerful weapon for health protection, medical insurance should belong to all of us.
The probability of medical accidents in general children is relatively high, ranging from the common cold to the surgical hospitalization.
Medical insurance is a kind of reimbursement insurance, which reimburses the expenses caused by disease treatment and covers a wide range. Basically, all the expenses of illness treatment can be reimbursed, which can better protect the health of children and reduce the economic burden of families.
Medical insurance is generally not expensive, and you can buy cost-effective products on the market for a few hundred yuan.
3. Accident insurance
Accident insurance is specifically for accidents, which can be divided into short-term accident insurance, one-year accident insurance and long-term accident insurance according to the insurance period.
Short-term accident insurance has a short guarantee time and is suitable for travel.
One-year accident insurance is guaranteed for one year, with low premium and high leverage ratio, which is worth buying.
Long-term accident insurance premiums are expensive, and the leverage ratio is lower than that of one-year accident insurance. Although some long-term accident insurance has the nature of return, its comprehensive cost performance is not high enough, so it needs to be carefully selected.
Accidents are everywhere, and children are a high-risk group. We must pay attention to this.