Children are full of curiosity about the world when they are 7- 10 years old. Many of them began to go to schools outside to get in touch with the bigger world. Accidents are inevitable, but their emergency response ability and self-protection ability have not been exercised.
At this time, buy insurance for your baby. The insurance idea should be: 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 medical insurance within one month after birth, and we can enjoy the most basic medical security provided by the state. Children's medical insurance can be insured up to 16 years old, and the premium is low, which is definitely worth it.
Second, critical illness insurance
Critical illness insurance is mainly to prevent the child from getting seriously ill and the family economy is unable to support it. If the budget is not much, the critical illness insurance with a coverage of 500 thousand a year is worth considering. There are too many critical illness insurances, but not many suitable for children. I sorted out the full text and summed it up: the top ten insurance companies are worth buying!
Third, medical insurance.
Many people think that medical insurance and social insurance can be one of them, and they think that they can be completely social insurance. A cruel fact is that social medical insurance not only covers a limited proportion of the cost of serious illness, but also does not cover good drugs and treatments. 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, the leading cause of death for children under 0/4 in China/KLOC 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 children's accidents, parents should pay special attention and give priority to accident insurance with adequate accident medical insurance. A good accident insurance must be that the lower the deductible, the better, and the higher the proportion of compensation.
Accident insurance is different from other insurances. It will increase the premium with age, so you can consider buying accident insurance for one year. I chose the most suitable accident insurance for children on the market: what good accident insurance recommendations are there? Top 20 quality accident insurance in 2020!