Recently, a fan asked her senior sister: Is it necessary for a 5-year-old child to buy insurance? Where can I buy insurance? What else should I pay attention to when buying insurance? In order to facilitate everyone's understanding, senior sister will tell you in detail.
Is it necessary for children aged one or five to buy insurance?
Many parents often find their senior sister through private letters and ask if it is necessary to insure their children. Many parents think that buying insurance still involves a lot of expenses, and their children are not grown up, so it is unlikely to catch any diseases, but is the actual situation different from what they think?
Take the period before the child is one year old, the most common diseases in the neonatal period are neonatal jaundice, congenital malformation, organ hypoxia and ischemia caused by poor labor process, meconium and amniotic fluid aspiration pneumonia. Children in infancy develop rapidly, but their digestive function is not yet mature and their immune function is relatively low. In this case, they are prone to many diseases, such as diarrhea, vomiting, food retention and other digestive diseases and respiratory infectious diseases.
Another is that from the global cancer data in 2020, we can know that there are19.29 million new cancer cases in the world, and China has 4.57 million new cancer patients, accounting for 23.7%, which is the country with the most new cancer cases, while China ranks second in the world in cancer burden of children.
Seeing this, if you still want to ask the senior sister if it is necessary to insure the five-year-old child, the answer given by the senior sister is that you need to buy it.
Second, the best configuration scheme for 5-year-old children's insurance!
If it is not a special case, you should buy all these insurances for a 5-year-old child, including critical illness insurance, medical insurance and accident insurance.
1, critical illness insurance
Critical illness insurance mainly provides protection for major diseases. If the child is unfortunately diagnosed with a serious illness, parents not only need to pay for the treatment, but also need to take care of the child from work. In this case, it will cause a great blow to the family economy.
If a critical illness insurance is arranged for the child, if the child is unfortunately ill and meets the claim conditions during the period, the insurance company will issue an insurance premium according to the agreement, which can be used to solve the treatment expenses and reduce the economic pressure at home to some extent. Therefore, it is really important to configure a critical illness insurance product for children.
There are many critical illness insurance products on the market, so which one is more suitable? The following is a list of critical illness insurance compiled by senior sister. Among all these products, there is always one that will suit your heart:
"Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders! 》
2. Medical insurance
At present, there are two kinds of medical insurance, one million medical insurance and one million medical insurance. For five-year-old children, both occupy an important position.
Millions of medical insurance and medical insurance have the same function, and the scope of reimbursement covers the treatment expenses incurred by our hospitalization. However, compared with medical insurance, the reimbursement amount of millions of medical insurance is relatively high, and the scope of reimbursement is indeed quite extensive. Some million medical insurance products can be reimbursed 100% of the expenses after medical insurance reimbursement. It can also be understood that it is possible that you don't need to spend any money after some drugs covered by medical insurance, medical insurance and millions of medical insurance are reimbursed. Even if you buy yourself medical insurance, you still have to buy millions of medical insurance.
It doesn't matter if you don't know how to choose millions of medical insurance. The following is a list of millions of medical insurance that my senior sister has worked hard to sort out. There is always a product that can meet your heart:
Updated every Monday! 0 ~/kloc-10 million medical insurance worth buying before the age of 0/8! 》
There is a certain gap between micro-medical insurance and millions of medical insurance. If it is a common cold, fever, hospitalization and outpatient expenses, it can be reimbursed by small medical insurance. For some children with poor resistance and more colds and fevers, it is still a good choice to buy a small medical insurance.
3. Accident insurance
Children's safety awareness is too poor compared with adults. Children naturally like to be lively and active, and they are prone to accidents such as collisions and falls. So it is more appropriate for children to choose an accident insurance. After all, there are many accident insurance products on the market that include reimbursement for accidental outpatient service. In this case, even if the child accidentally falls to the clinic, the expenses can be reimbursed.
Third, is the popular child insurance really good?
We can also hear many people say that this product sells well in the market, so it is no problem to follow everyone. Take children's critical illness insurance as an example. There are many popular critical illness insurance for children in the market, such as China Merchants Renhe Qingyun Micro 1, Tongfang Universal Versailles plus, Beijing Life Bumblebee No.6 and so on.
Some parents who don't know about insurance products will think so, and the popular products on the market will not be bad. Is the actual situation the same as they think? In fact, when we are familiar with a critical illness insurance product, we should mainly analyze it from the aspects of coverage and terms.
After purchasing the above insurance, many parents feel it is necessary to choose an education fund product for their children and intend to give them more adequate protection.
At present, the more popular education fund products in the market include Evergrande Bright Future, Merchants Renhe Small Champion and so on. What should I know to judge whether an education fund has the value of insuring children?
Fourth, buy insurance and lightning protection tips for five-year-old children.
There are really many kinds of insurance products on the market. As long as people who have carefully observed it know that even the same type of insurance products, there will be differences between different products.
Take the common children's critical illness insurance, some children's critical illness insurance products on the market are one-year products, and some children's critical illness insurance products on the market do provide long-term protection; It is true that some children's critical illness insurance includes rare disease protection, but some children's critical illness insurance does not provide these protection; Some children's critical illness insurance supports additional compensation, but some children's critical illness insurance can only give basic protection.
For parents who don't understand insurance products, it is very likely that they accidentally stepped into the insurance pit. The same insurance product may be suitable for others, but not necessarily for you.
Where should children aged five or five buy insurance?
Seeing this, senior sister believes that many parents have mastered the basic situation of child insurance, so where should they go to buy insurance for their children?
Generally speaking, there are two channels for insurance, corresponding to online channels and offline channels respectively.
Online channels generally refer to official website, APP and third-party platforms of insurance companies. However, the insurance products sold by the insurance company official website are not comprehensive, because usually the insurance company official website only puts its own products on the shelves, and if it is insured on the third-party platform, there are many insurance products for us to choose from, because the insurance products sold on the third-party platform will cover most insurance companies.
Offline channels are mainly insurance companies' service outlets and insurance agents. Insurance companies generally have many branches, and these outlets can also market insurance.
What's the difference between buying insurance online and offline? Is it safe to buy insurance online? Senior tells you the answer:
"Is it reliable to buy insurance online? What is the difference between online insurance and offline insurance? 》
6. How should family insurance be configured?
Little friends also know that it is very important to configure insurance for children, but please don't forget that what is more important is your own protection. In fact, from the standpoint of a family, the order of insurance allocation is from the pillar of the family to the children and then to the old talents.
In addition to children's school expenses, parents' pension expenses, home car loans and mortgages. Most of these burdens are borne by domestic economic pillars. In the family, if the pillar of the family collapses, the blow to the family is enormous.
In order to solve this risk, we should first provide ourselves with perfect protection without buying insurance for our children. If you have provided all the security for yourself and your children and have extra funds on hand, you can also buy some old-age insurance for your parents at home. After all, the problem of providing for the aged is also a big problem.
Write it at the end
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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