Dad recommended a critical illness insurance for the child. Interested friends can learn about it: "Mommy Baby Newborn Edition: the first optimistic new critical illness insurance! 》
Do children need to buy critical illness insurance?
1. Children's critical illness insurance can reduce the burden on families.
Due to environmental pollution and low resistance of children, the risk of children suffering from serious diseases is still quite high. If the children at home suffer from serious diseases, the financial pressure on the family is also enormous.
Moreover, the cost of treating serious diseases is very high, even if it is cured, it will take a recovery period, and regular follow-up visits and drug purchases will also cost a sum of money. Social security has limited reimbursement for children's serious illness and has no obvious effect on reducing family economic pressure.
2. Critical illness insurance is a one-time payment to solve urgent needs.
Once a serious illness requires hospitalization, all kinds of expenses are a huge expense. The payment method for serious illness is one-time payment, that is, as long as the payment standard of the insurance company is met, the insurance company will transfer the money to the agreed account at one time.
The earlier you buy it, the cheaper the premium is.
Whether it is to buy regular critical illness insurance or lifelong critical illness insurance for children, the earlier you buy the premium, the cheaper it is.
However, children's critical illness insurance is generally only for babies born over 30 days, so parents should also pay attention to this when insuring their children.
Children's critical illness insurance is very comprehensive for the protection of children's critical illness, so dad suggested that everyone provide children with critical illness insurance.
Dad concluded, buy critical illness insurance for children, don't blindly follow the trend, and buy according to the actual situation.