/kloc-Is it necessary for children aged 0/7 to buy insurance? What should I pay attention to when buying insurance? Senior, let me tell you!
1./kloc-Is it necessary for children aged 0/7 to buy insurance?
Children are parents' treasures, and parents want their children to get the best life and security. Senior sister thinks that in addition to giving children enough love, we can actually consider arranging suitable insurance for them.
"Talking about cancer discoloration" is simply the truest portrayal of the era of high incidence of cancer! How far is cancer from us? At present, the incidence of serious diseases in children is gradually rising. According to relevant data, worldwide, on average, 1 child dies of cancer every 3 minutes. The incidence of childhood cancer in China is also increasing at the rate of 2.8% every year, which is shocking and sad.
At the same time, in addition to the risk of serious illness, parents are also worried about the safety of teenagers. In daily life, bumps and bumps, colds and fever, cat scratching and dog biting are all risks that children may face at any time during their growth. Therefore, as parents, we really have to give our children unexpected protection.
Therefore, it is necessary for 17 children to configure insurance. If you want to buy high-quality and affordable insurance, senior sister is here to teach you whether you will spend more money to buy it properly!
In-depth writing-how to buy insurance for children? The netizen shouted: How can I see it now?
Second, 17 years old children's insurance is more cost-effective!
For children aged 17, these four insurances must be purchased: children's medical insurance, critical illness insurance, medical insurance and accident insurance.
If the budget is still sufficient after the above guarantees are completed, you may wish to buy an education fund for your child.
1, children's medical insurance
Children's medical insurance is the welfare given by the state to the people, and it should be the first choice when allocating insurance for children. It can reimburse colds, fever and some childhood diseases.
Moreover, the cost performance of children's medical insurance is outstanding, and 70%-80% of medical expenses can be reimbursed for only one or two hundred yuan a year. Medical insurance has no threshold and can be started unconditionally. This is irreplaceable by any commercial insurance. Therefore, if parents have not insured their children, they might as well buy medical insurance first, and our most basic medical problems will be basically solved.
2. critical illness insurance
Critical illness insurance means that once the insured is confirmed to have a serious illness as agreed in the contract, the insurance company will compensate according to the insured amount, and the income loss compensation after the serious illness and the later rehabilitation expenses will be basically solved.
If one day the child is seriously ill, the impact will be great from the perspective of the whole family. The treatment of serious diseases requires a lot of money. For example, common cancer costs 300,000-700,000 yuan, which is not a small sum for ordinary families, and many families will become extremely poor because they have to pay expensive treatment fees.
Relieving family financial pressure is the purpose of a critical illness insurance, which can be said to protect both children and adults. Moreover, it is more cost-effective to buy critical illness insurance for children, and the guarantee time is longer, and the cost performance will not be low. If the economic conditions are good, it is still necessary to insure early.
3. Medical insurance
Many parents have doubts. If you have already insured children's medical insurance, do you still need to insure medical insurance? The answer is certain. If you have the conditions, you'd better buy another medical insurance!
The protection of children's medical insurance is very basic. Only part of the medical expenses can be reimbursed, and some of them still need to be borne by themselves. Therefore, it is necessary to purchase commercial medical insurance to supplement.
Medical insurance is also divided into small medical insurance and millions of medical insurance, which is more suitable for children.
During the whole growth and development process, children have poor physical resistance and occasionally get sick, which is not a serious illness and can be reimbursed with small medical insurance; Assuming that a serious illness requires hospitalization, it can be reimbursed with millions of medical insurance.
4. Accident insurance
According to the World Report on Child Injury Prevention published by the World Health Organization, more than 2,000 children worldwide lose their lives every day due to accidental injuries or "accidents".
Accidents don't care who you are or whether you have money. Our most common accidents are traffic accidents or accidental falls. If the conditions of accident insurance claim can be met, the treatment expenses can also be reimbursed by accident insurance.
Moreover, the accident insurance premium is low and the protection is high. The premium only needs to be paid between tens and hundreds, but what we can grasp is the amount of insurance ranging from hundreds of thousands to millions.
5. Education grant
Nowadays, it costs a lot of money to train a child. I hope this child can get a better education. You can buy an education annuity insurance first to help your child take the first step in life and enter the society smoothly.
If you have insured the education fund insurance, you only need to pay the premium according to the contract every year, which is equivalent to saving money. If the child has reached the age agreed in the contract, he can receive a certain percentage of annuity according to the agreement to solve the cost of his further education.
Third, it is suitable for 17-year-old children's insurance assessment!
At present, the best products on the market are suitable for people aged 65,438+07, such as critical illness insurance products, Beijing Life Bumblebee No.6, China Merchants Renhe Qingyunwei 1, Perfect Life Guardian 2022 critical illness insurance, Bupuhui multi-version critical illness insurance, Enjoy Ankang 202 1 critical illness insurance and so on.
However, senior sister also found that many people like to consider the popularity of insurance companies before deciding whether to buy insurance.
But everyone should remember that when we choose insurance products, it is best to analyze the content and terms of protection first, so as to know whether this product meets our protection requirements.
Next, the senior sister will give you a detailed evaluation of Versailles plus, an all-around player in critical illness insurance, to see what is good, so that so many people can make a decisive choice, targeting the 17-year-old population!
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
After providing children with guaranteed insurance, if the economic budget is sufficient, we can consider starting with the education fund. Education annuity has the characteristics of compulsory savings and earmarking. The main function is to ensure that children can successfully complete their studies.
Fourth,/kloc-tips for children aged 0/7 to buy insurance!
When many parents buy insurance products for their children, they will find that different insurance products are different in terms of premium, compensation and coverage. Take critical illness insurance as an example. Some critical illness insurance products cover different diseases and have different coverage periods. For example, some products can bring lifelong protection, but some products can only protect the insured for a specific period of time.
5./kloc-where is it more cost-effective for children aged 0/7 to buy insurance?
You must have seen this place, and you will have a clear understanding of the insurance for people aged 17. If we want to buy insurance, where should we go?
Generally speaking, we can use online and offline methods.
Offline this way, we can configure it in the offline business point below the insurance company. For example, this kind of Ping An insurance has more than 2,800 offline outlets across the country. If you want to choose Ping An insurance products for purchase, we can directly use offline insurance. We can also apply for configuration insurance from the insurance salesman, who will help us choose the appropriate insurance products according to our needs.
Official website, an insurance company, is allowed to buy online, or it can start with the Internet insurance sales platform. As far as the official WeChat, official website or exclusive APP of an insurance company is concerned, insurance products can also be purchased.
Six, a family, how to buy insurance?
After giving birth, parents want to give their children the best, and only care about configuring insurance for their children. In fact, no matter what risks the child will face, the biggest risk for the child is that his parents are seriously ill or have passed away, and the child is left unattended. Adults are children's umbrellas. When children are ill, parents will take care of them and shelter them from the wind and rain. Who will protect the children's daily life and future education expenses after their parents get sick? Therefore, priority should be given to buying insurance for adults.
At the same time, in the case of sufficient budget, in addition to providing insurance for themselves and their children, the issue of old-age care is also very important, and it is also very necessary to provide an insurance product for elderly parents.
So what kind of insurance should each family member buy? Click on the link below, and Senior Sister will tell you the answer:
"3 plans, complete family insurance"
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I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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