What kind of insurance do children usually buy?

What insurance do children usually buy, including children's medical insurance, children's accidental injury insurance, children's million medical insurance, micro-medical insurance, children's serious illness insurance and education annuity insurance, as follows:

1. Children's medical insurance: it can also be called urban and rural residents' medical insurance. The payment varies from place to place, but it is about several hundred yuan a year. At present, outpatient expenses can be reimbursed, and the threshold for first-class hospitals such as community hospitals is 0. Take Changsha as an example. Every year of outpatient service in 800 yuan, hospitalization is guaranteed, which is the most basic guarantee. Usually the baby can be insured within 90 days after birth;

2. Children's accident insurance: Children are naturally lively and active, and the probability of accidents is relatively high. Cat claws and dog bites, traffic accidents, burns and scalds, cat claws and dog bites are all common. Buying a child accident insurance can protect the economic losses caused by accidental death, accidental disability and accidental medical treatment, and it is also one of the insurances that must be bought;

3. Millions of medical insurance for children: children can make claims for reasonable and necessary medical expenses caused by major diseases or major accidents. However, the deductible of millions of medical insurance is ordinary hospitalization 1, serious illness 0, social security reimbursement 1, 000%, which can alleviate the high medical expenses caused by serious illness reimbursement and can be bought for children.

4. Micro-medical insurance: a favorable supplement to children's social security. If there is a disease in a hospital, social security needs a threshold fee of 800- 1000 yuan in a third-class hospital, but small medical insurance can make up for such losses, and with 0 deductible, it is more practical, mainly for minor illnesses, such as routine hand, foot and mouth, pneumonia and other hospitalizations.

5. Children's critical illness insurance: The younger the age of critical illness, the higher the probability of children suffering from leukemia, severe Kawasaki disease and other serious diseases. After reaching the definition of disease, paying an insurance premium directly can solve the family's living expenses, parents' lost time and so on.

6. Education annuity insurance: After purchasing basic medical insurance, children's critical illness insurance, small medical insurance, millions of medical insurance and comprehensive accident insurance, if parents still have extra spare money, they can consider preparing an education annuity insurance for their children, which is suitable for subsequent university education subsidies.