What are the child insurance?

The insurance that children need to configure includes children's medical insurance, medical insurance, critical illness insurance and accident insurance.

If you don't know how to configure children's insurance, please see here: The most comprehensive strategy for children's insurance: don't buy insurance next time.

What kind of insurance does the child need?

1, children's medical insurance

Children's medical insurance is cheap and the insurance threshold is low. I don't ask about health. Dad suggested that parents buy them for their children.

2. Medical insurance

In view of the high risk of children's diseases, we can consider configuring commercial medical insurance for children, because although children's medical insurance can also be reimbursed, the proportion and amount of reimbursement are limited.

Once a large number of children's medical expenses are injured, reimbursement of children's medical insurance is not enough.

Conditional parents had better provide their children with a commercial medical insurance as a supplement to the children's medical insurance, and also as a guarantee for their children at night.

3. Children's critical illness insurance

Although the probability of this kind of risk is low, once it happens, it will do great harm to the family.

Therefore, this major risk must have special protection, at least to ensure that the risk can be completely passed on to the insurance company.

If the child has commercial medical insurance, the medical expenses for major diseases will be reimbursed, but the follow-up care, nutrition and other expenses will be borne by the family at its own expense.

The allocation of children's critical illness insurance is exquisite, and the insurance coverage should cover the treatment cost and nutrition cost of children's critical illness.

4. Children's accident insurance

It is normal for children to play around, and the biggest accident risk is unpredictable. Therefore, it is necessary to configure an accident insurance for children.

And because the main risk of children comes from accidental injuries, it is best to include accidental medical insurance in children's accident insurance.

Dad concluded that children's insurance should be configured according to the actual situation and needs to be configured step by step.