First, the guide for children's insurance to avoid pits
First of all, dad suggested that children's medical insurance must be bought.
1. Children have many accidents.
Children's safety awareness is shallow and their self-protection ability is insufficient. They will inevitably encounter each other in life, so accident insurance is necessary.
2. Children's serious illness can't be ignored.
A minor illness is easier said than done. In case of a major illness, the burden on parents can be imagined. In order to better protect children's health, dad suggested that medical insurance and critical illness insurance should be configured.
3. Adults have children.
Before buying insurance for children, dad's suggestion is to configure insurance for adults first.
After all, great talents are the harbor for children, and the protection of parents is the best protection for children.
4. Guarantee first and then manage money
Whether adults or children, the advice to buy insurance is to protect first and then manage money.
For children, what is most needed is security. Financial insurance will be considered when parents' economic conditions permit.
5. "Cheap" insurance is not necessarily cheap.
Although it sounds great, the return insurance for medical refund is actually much more expensive. Don't blindly insure it when you see that you can return it.
6. Gradually allocate insurance
Dad suggests that you choose targeted insurance products with moderate premium and high cost performance.
And gradually configure and improve the insurance plan according to the needs.
7. Look at the insurance contract carefully.
Second, dad's summary
Children have a long life, and parents may not always be able to take care of them. Through insurance, they can pass on endless love to their children and help them through every difficulty in life.