Before we start, Senior Sister will present you with a super practical insurance strategy:
Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.
First, children buy insurance, and seniors suggest buying it like this!
In order to buy insurance for children, parents and friends recommend the insurance configuration scheme: critical illness insurance+medical insurance+accident insurance.
Next, we will analyze them one by one:
1, critical illness insurance
A serious illness is a major illness. Generally speaking, when suffering from serious diseases, the cost of treatment is very expensive.
Unfortunately, the illness is serious and the high cost of treatment is only one aspect. One more thing, in the years after intensive treatment and treatment, the child lost a lot.
For example, the loss of income caused by the time when one parent takes care of the child, the expenditure of follow-up rehabilitation expenses, etc.
Therefore, if the insurance you want to buy for your child is critical illness insurance, the advice that Senior Sister gives you is to consider the new version of Mommy Baby:
Mommy Baby is a critical illness insurance product, which provides protection for children. The insurance rules of this insurance customization are particularly friendly, and there are many guarantees.
The new version of Mommy Baby is particularly comprehensive in basic protection, and the setting of compensation ratio is also very good. More importantly, the second payment for malignant tumor, accidental medical care for children and accidental hospitalization allowance for children are all optional guarantees for the new version of Mommy Baby.
If the insured is under the age of 25, he can also enjoy children's accidental medical insurance and children's accidental hospitalization allowance, which is very suitable for children!
The following is the new in-depth evaluation article of Mommy Bao Bei placed by Senior Sister. Interested friends should read more:
The new Mommy Baby Newborn Edition still has these shortcomings. ...
2. Medical insurance
As we all know, millions of medical insurance is included in the scope of reimbursement insurance. Children's resistance is poor, and it is difficult to guarantee that they will not encounter colds, fever or other diseases. It may cost thousands of dollars to go to the hospital.
Millions of medical insurance premiums are not expensive for a year. Spend more than one million to get a million insured. There is nothing to worry about, is there?
Millions of medical insurance that is very practical for children, the one recommended by senior sister to parents is beyond insurance 2020. Let's take a look at the guarantee content of this product first:
Beyond Insurance 2020 is a medical insurance that can guarantee a 6-year renewal. The protection provided is very sufficient, including general hospitalization, serious illness hospitalization and outpatient medical insurance.
How to be considerate of the insured? Beyond Insurance 2020 also comes with a children's refueling package, which includes three kinds of allowances: children's accidental hospitalization allowance, children's general accidental hospitalization allowance and children's special disease allowance. This is really tailor-made for children ~
3. Accident insurance
If we analyze the need for protection according to the actual situation of children, senior sister thinks that the accident risk is more difficult to predict.
Even if we take good care of our children, things like falls and burns still happen from time to time.
So accident insurance is one of the necessary insurances!
Therefore, in order to provide insurance for children, the most important thing is to have critical illness insurance, accident insurance and medical insurance.
Second, buy insurance for children, pay attention to these!
1, don't buy bundled products.
I believe many people here have heard that the coverage is very comprehensive, such as products covered by diseases, accidents and major diseases.
If someone sells you such a product, you should be worthy of attention. Therefore, ensuring such comprehensive insurance is also very cheap, as long as eight or nine thousand a year is not high!
However, according to my senior's years of experience, such products are generally sold in bundles, such as life insurance, accident insurance, wealth management insurance, additional useless optional liabilities and so on.
Therefore, the senior sister does not support parents to configure such protection for their children.
2. Pay attention to safety before financial management.
Nowadays, children's education has always been a concern of every parent, so many educational financial insurance in the industry have been welcomed by parents.
However, seniors should remind parents that children are the first to be provided with insurance against diseases and accidents.
As children grow up, diseases and accidents always happen at any time.
Third, the summary of the senior sister
Generally speaking, to provide insurance for children, three kinds of commercial insurance are preferred: critical illness insurance, medical insurance and accident insurance.
In addition, medical insurance is also a must-have product for children.
After configuring these types of insurance for children, if the budget is sufficient, you can also configure education insurance for children.
Parents should pay attention to the fact that after the personal health insurance is fully configured, they should consider configuring financial insurance for their children.
Then, for more detailed information about children's education fund, the advice given by senior sister is to read this article before considering it:
Parents must read: Is it necessary to buy education fund insurance? How to choose the right product? 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!