12-year-old children are curious about everything in the world, and most of them learn to get in touch with all kinds of people and things outside from the beginning. It is inevitable that they will encounter unexpected accidents, but at this time their emergency response ability and self-protection ability are not enough.
At this time, it is necessary to consider this when insuring children: children's medical insurance+critical illness insurance+medical insurance+accident insurance.
First, children's medical insurance
Children's medical insurance is a national welfare insurance. It is best to buy children's insurance immediately after the child is born, as soon as the first month after entering the home. You can get the most basic medical security given by the state. Children's medical insurance can be insured up to 16 years old, and the premium is low, which is definitely worth starting.
Second, critical illness insurance
Critical illness insurance is mainly to avoid the risk when the child is seriously ill but the family has no money to treat the disease. If your budget is small, then the critical illness insurance can cover 500 thousand even if it is 400 thousand to 500 thousand a year. There are many critical illness insurances in the market, but only a handful are suitable for children. I have screened out several insurances that are most suitable for babies: the top ten insurance companies are worth buying!
Third, medical insurance.
Some people often regard medical insurance and social insurance as similar things and think that social insurance is enough. But I don't know that in the face of serious illness, social medical insurance not only has a limited reimbursement rate, but also many good drugs and treatments are not included in its reimbursement scope. Therefore, medical insurance can be regarded as a "supplement" to children's medical insurance to reimburse the parts that medical insurance cannot reimburse.
Fourth, accident insurance.
The insurance company will compensate us for death, disability and medical expenses caused by accidents. According to the data of National Child Safety Organization, it is concluded that the first cause of death of children under 0/4 in China is accidental injury. Such as falls, burns, animal bites, sharp instrument injuries, etc. , is a common cause of accidental injuries in children.
Therefore, when buying accident insurance for children, parents should be especially careful and give priority to accident insurance with sufficient accident medical insurance. A good accident insurance must be that the lower the deductible, the better, and the higher the proportion of compensation.
The premium of accident insurance has little to do with age, so you can consider buying one-year accident insurance. What child accident insurance is worth buying in the market? Please look at the latest accident insurance rankings released in the past 20 years. Reference: What are the good accident insurance recommendations? Top 20 quality accident insurance in 2020!