What is the need to buy child insurance? How to buy cheaper and more practical?

Adults and children in our family have bought a lot of insurance, adding up to more than a dozen. The following are four kinds of insurance that children need to buy, and you can get annual children's insurance above 1000.

1. Children's medical insurance

If you can only buy one kind of insurance, it must be children's medical insurance, which is a national welfare and equivalent to the role of adult medical insurance. The hospitalization expenses of newborn babies and daily colds and fevers can be reimbursed. Be sure to do it. You can do it soon after the baby is born. The sooner you do it, the more you save money!

Reference price: 200-300 yuan/year.

2. Accident insurance

Accident insurance, as its name implies, is insurance against unexpected risks. Babies are prone to accidents, and accidents such as burns and falls can be reimbursed. Priority is given to accidental medical treatment, unlimited social security and low deductible.

Reference price: 100-300 yuan/year.

3. Medical insurance

Medical insurance is divided into millions of medical care and outpatient medical care, which is very practical for children who are prone to minor illnesses. Children tend to get sick when they are young. The average flu costs several hundred dollars, and severe hospitalization costs several thousand dollars. This sum is also a lot of money, and medical insurance can report a large part.

Reference price: 500 yuan/year

4. critical illness insurance

This insurance is mainly to make up for the economic losses caused by major diseases. Critical illness insurance must cover children's high-risk diseases, and you can choose insurance that pays for many years and guarantees life. Remember, you must buy critical illness insurance as soon as possible. The sooner you buy it, the more cost-effective it is, and the lower the premium.

Reference price: 500 yuan/year

How to buy insurance is cheaper and more cost-effective Please note the following points:

1. Compare the products of different insurance companies.

I believe that every mother will be confused by all kinds of insurance in the market when buying insurance for her children. Stay awake and compare the products of different insurance companies! It is worth mentioning that if you think it is more troublesome to compare insurance, you can also find an insurance broker to help us sort out the differences between different insurances, but you should also know more about avoiding stepping on the pit.

2. Don't buy return insurance, dividend insurance and life insurance.

Not all insurance on the market should be bought for children, and some are not suitable for children, such as return insurance, dividend insurance and life insurance. Return insurance has high premium and low return, so it is better to deposit it on a regular basis; Dividend insurance: it's all gimmicks, and the protection is not necessarily complete; Life insurance: only the financial support of the family is needed. Don't buy it for the baby.

You don't have to choose a big company to buy insurance.

In the case of limited budget, you don't have to choose a big company to buy insurance. The brand of small company is not so loud. To grab the market with big companies, we must rely on products. Maybe the products of small companies are more comprehensive, bigger and cheaper! If the insurance goes bankrupt, the government will trust it, which is relatively safe, and the coverage of critical illness insurance varies greatly. You can choose a reliable small insurance company; Medical insurance and accident insurance are relatively cheap, so you can choose a big company, and the price difference will not be too big.

Family insurance budget is very limited, and children's insurance can be put behind appropriately.

Finally, I want to emphasize that if the budget for buying insurance at home is very tight, how should family insurance be configured? I suggest buying it first for the pillar of the family, that is, the person who usually earns the most money at home, because if something happens to the pillar, the money for medical treatment and the source of family life will be cut off. It is recommended to buy it for children at last. Children are not the source of family income. Of course, the whole family can buy it if the budget allows.