How to buy insurance for children?

For most people, it is very necessary to go for some insurance. After all, there is no way to predict risk, so in order to get more comprehensive protection, most people will choose to buy insurance to transfer risk.

So for children, do they need to buy insurance or not? What do you need to pay attention to when you buy insurance? The school sister here to tell you!

"In-depth good article - how to buy insurance for children?

One, what should you buy for children's insurance?

Schoolmates feel that children's insurance should be configured as follows: pediatric health insurance, critical illness insurance, medical insurance and accident insurance.

1. children's medical insurance

Children's medical insurance is said to be the children if diagnosed with the contract agreed to cover the disease, its coverage includes hospitalization, treatment, surgery and other costs incurred, parents are very necessary to buy the child this basic protection.

In terms of China's basic health care system, the medical coverage for children is relatively low, so there is also a need to buy other protection insurance.

2. Critical Illness Insurance

The child is very prone to major illnesses, because he is physically still relatively poor, such as leukemia, generally need 300,000-500,000 yuan of treatment costs, and some of the difficult to treat, the cost of treatment is expensive millions of dollars, the general family for these costs is very hard to bear! The company's business is to provide a wide range of products and services to the public, so it is essential to purchase a critical illness insurance policy!

Critical illness insurance for children are not very expensive, usually at a price of about 1,000 yuan, the amount of coverage as large as possible or to do some big, the amount of coverage at least enough to pay off all the costs of treatment and make up for the loss of income. Even if the child suffers from a major illness, parents do not have to bear too much pressure.

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3. Medical insurance

Medical insurance mainly has a million medical insurance and small medical insurance, million medical insurance has a very high cost-effective, which can reimburse the cost of up to a million, as long as it is not in its deductible can be reimbursed; small medical insurance used to reimburse the The cost of small illnesses, but only for the reimbursement of the social security catalog within the scope of the reimbursement, the treatment process used in the special drugs, out-of-pocket expenses are not reported.

That is to say, if you have already purchased the social security, the role of small medical insurance is very small, so in this case, it is recommended that you buy a million medical insurance.

4. Accident insurance

Children's mobility is inevitable, the child's self-competence to protect the aspect of the lack of, and for the danger of not being able to make timely judgments, it is very easy to occur in a special situation, so the accident insurance is particularly important to children.

Accident insurance is a yearly insurance, and the price is relatively low. To buy accident insurance is to buy accidental medical coverage, not accidental death coverage pay more or less, so parents should choose the right one for them according to the child's own situation.

Said so much, parents should also know how to buy insurance for their children! Here are some of the mistakes that parents make when buying insurance for their children!

Two, to buy insurance for children even have these misunderstandings? The first is that it is not a good idea to buy a new one, but it is a good idea to buy one!

1, give the child to buy a return type of insurance

The return type of insurance is often referred to as the savings type of insurance, to put it plainly is the insured person to the time agreed upon, the insurance company will be the premiums or the contractual insurance premiums returned to the insured person. The company will return the premiums or the premiums stipulated in the contract to the insured person.

Many parents feel that it is cost-effective to provide their children with this type of refundable insurance, which not only protects them, but also allows them to be refunded if they don't use it in the future.

This idea amounts to a misconception.

The reason why a lot of parents choose to buy insurance for their children is that nowadays the chance of accidents is very high, if the hospital found out that there are serious illnesses, afraid of the hands of the money to cure, but this time the return type of insurance to provide protection against illnesses is very limited, and the annual premiums paid are very high!

So when you buy insurance, you should prioritize the protection of the full capacity, the main thing is to look at the child's personal safety.

More about the return type of insurance, this article will be introduced:

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2, only to buy insurance for the child

Now many families are aware of the insurance, most of the families because of the children want to buy for the child. Often because of this many parents only insure their children, however they themselves have never had insurance.

This is a mistake, you should insure the adults first, and then insure the children, if the adults are not covered, the children usually have problems in life, and then more coverage will be meaningless.

3, for the child to buy life insurance

Parents are best not to buy life insurance for the child, if it is the breadwinner of the family, the general priority to buy life insurance, because after the death of the death of the family will bring an income with a child is not part of the family's breadwinner, will not be because of his death, so that the family into a state of poverty.

Even if the budget is more adequate can be purchased, but the death of a minor compensation insurance law has requirements, so people do not need to buy life insurance for children.

Lastly, parents in the purchase of insurance must be to the actual situation of the child to consider, do not blindly follow others, their own careful study of insurance products, so that the child is the greatest protection. I hope this article is favorable to you!

Written in the end

I am the school bully said insurance, focusing on objective, professional, neutral insurance assessment;

If the above has not solved your problem, you can also come to the public number of the school bully said insurance consulting me;

If you have not solved your problems, you can also come to the public number of the school bully said insurance consulting me;

I am the school bully said insurance. p>

I will give you the most professional advice with years of experience in configuring insurance for 10W+ families.

Public No.: Scholars Say Insurance Spend less money to buy the right insurance!