The cause of the matter is this. Today, my sister and child just turned full moon. As an uncle, I am far away in a foreign land and can't go back for reunion.
I have been away from my hometown 10 for many years, and my sister has been taking care of my parents. I only go home occasionally to "visit relatives", and even the dog doesn't recognize me ~
To tell the truth, I owe my sister a lot, so I made a sum of money when delivering takeout food. At the same time, out of professional habits, I also bought some insurance for my little nephew at my own expense.
Share this plan and say a little about my thoughts on what insurance to buy for my baby.
1, children's medical insurance
Needless to say, the importance of medical insurance, mainly about how to deal with neonatal medical insurance:
Apply for a birth certificate. Take the birth certificate and other materials to the police station to open an account in the bank and handle the relevant medical insurance accounts and cards. Go to the local community social security office to apply for a newborn medical insurance card. Special reminder: if you apply within 90 days of birth, you will enjoy basic medical insurance benefits from the next month if you are more than 90 days old.
2. critical illness insurance
I chose regular critical illness insurance here, not because it is cheap, but because of my own ideas.
Personal feeling insurance is a dynamic configuration process, which cannot be achieved in one step.
I have also met some parents who buy insurance for their 0-year-old children, but they think that their children are seriously ill at the age of 70 and the money is worthless.
Isn't this a little too long? Children and grandchildren have their own blessings, leaving some room for children to choose, including insurance.
Briefly say bumblebee 3 plus:
Explain the rights and interests of loyal customers, so as to answer many parents' concerns: what should I do if my child's health can't be insured after the term expires?
If you choose to protect the 30-year plan, and you have not applied for any compensation or terminated the contract within the validity period of the insurance, you can apply for other long-term critical illness insurance of our company within 60 days after the expiration of the insurance period.
3, millions of medical care
It is indeed more expensive for newborns to buy millions of medical insurance, but this is not the reason why children do not need millions of medical insurance.
I choose Alipay for long-term medical insurance because this product is of high quality. Relying on Alipay's huge user base, the sales volume is guaranteed and the product stability is good.
After the end of the 6-year guarantee renewal period, the insurance can be renewed without health notification and waiting period.
4, accident insurance+small medical care
In view of the deductible of million medical insurance 1 0,000, and it is inevitable that children will be hospitalized with large or small diseases during their growth, so they choose to match a small medical insurance.
In the end, Fude Life Life was selected as "Growth Companion Learning Insurance" with the price of 179 yuan/year, which can be insured for 30 days to 22 years old, including:
Accidental death/disability insurance premium of 65438+ ten thousand; Accident emergency/accident hospitalization insurance premium is 65,438+00,000/year, with 0 deductible and 65,438+000% reimbursement; Critical illness insurance premium of 50,000; The medical insurance premium for illness hospitalization is 1 10,000 yuan/year, with no compensation 1 10,000 yuan and 90% reimbursement; The hospitalization allowance for illness/accident is 100 yuan/day, with no compensation for 0 days. 0 years old, 1 year old, 2 years old, these three age groups, micro-medical insurance is the most difficult to buy, and its price is even higher than one million medical insurance, after all, it is more likely to be used.
Of course, I bought a separate accident insurance for my children. After all, the coverage of Xue Ping insurance is a bit low.
5. Education grant
Education expenditure is just needed and cannot be affected by the family's economic situation.
However, the reality is also cruel. Under the epidemic, everyone's income is more or less affected. Considering that the education grant may cause payment pressure.
However, the monopoly education fund is a very special product, starting from 1 yuan, which can be flexibly added monthly.
As a pure education fund, the income and the amount received are clearly written into the contract, and the highest annualized interest rate reaches 5.7%, which is not affected by the market environment.
Of course, this is just a personal opinion on what insurance to buy for your baby. Everyone's situation is different, their preferences are different, and their health status is different. The final choice is different.
But what is certain is that the product may not be suitable for everyone, but the method can.
If you have any good ideas, please talk to me.