There are various insurance companies. Ping An Insurance is recommended here. As for the types of insurance, you will understand after reading the following contents:)
Insurance products specially designed for children are used to solve the expenses of education, entrepreneurship and marriage in the process of children's growth, as well as to deal with the risks that children may face such as illness, disability and death. Children's insurance | Children's insurance | Children's insurance is generally divided into the following two types:
1, educational
This type of insurance provides corresponding survival guarantee for children at different growth stages. For example, the education fund of junior high school and high school universities, the venture fund after work, the marriage fund and even the pension fund after retirement.
2. Type of guarantee
This kind of children's insurance | Children's insurance mainly solves children's medical problems, and of course provides accident protection. This kind of insurance pays little premium, but it can get high protection. Specifically, there are the following categories:
(1) Children's accidental death and disability insurance. This insurance provides protection for the insured children in case of death and disability caused by accidents. Generally, it is attached to children's survival insurance, and no separate insurance is set up.
(2) Medical insurance for children's diseases. The insurance provides protection for the treatment, hospitalization and operation expenses of the insured children due to diseases. According to China's current medical system, children of this age are basically in a state of no medical security.
One of the tricks: buy early, cost-effective; The second measure: the fee should not be too high and the payment period should not be too long; The third measure: safety first, income second;
★ Expert advice: different ages focus on different things ★
Experts suggest that the payment period of child insurance should not be too long. For insurance products purchased by parents for their children, the payment period can be concentrated before the child is underage. When he grows up, he can choose the right insurance for himself.
0-6 years old: This age group is the easiest to get sick and have some minor accidents, so it is very necessary to prepare a medical insurance for children.
7- 12 years old: Education fund and medical insurance are indispensable. Because of the older age, it is relatively expensive to buy children's insurance, so you can choose insurance with cash return function when you apply for insurance.
/kloc-after 0/2 years old: cultivate children's financial habits. On the one hand, you can choose cash back life insurance to solve the problem of education fund; On the other hand, you can also choose old-age savings insurance to invest in your child's future in advance.