12-year-old children are full of curiosity and yearning for the world, and most of them start to go to school outside. They will inevitably encounter unexpected things, but their emergency response ability and self-protection ability are not enough to support them to solve them.
At this time, the idea of insuring children should be like this: children's medical insurance+critical illness insurance+medical insurance+accident insurance.
First, children's medical insurance
Children's medical insurance is a national welfare insurance. It is best to buy children's medical insurance within one month after the baby is born, and you can get the most basic medical security provided by the state. The age of children's medical insurance is as high as 16 years old, and the premium is also affordable. Everyone must make one for the baby.
Second, critical illness insurance
Critical illness insurance is mainly to prevent the child from getting seriously ill and the family economy is unable to support it. Even if you don't have much budget, some critical illness insurance with a coverage of 500,000 will only cost 400 yuan a year to 500 yuan. There are countless critical illness insurances on the market, but not many are really suitable for children. I have tried my best to choose the most suitable one: "Designed for 12 years old children! Top ten affordable critical illness insurance for children in 2020.
Third, medical insurance.
Many people always can't distinguish between medical insurance and social security, and feel that with social security, the security is complete. Unfortunately, if you are seriously ill, the reimbursement rate of social medical insurance is limited, and many good drugs and treatments are not known within the scope of reimbursement. Therefore, medical insurance can be regarded as a "supplementary set" for children's medical insurance to reimburse the parts that cannot be reimbursed by medical insurance.
Fourth, accident insurance.
The insurance company will compensate us for any accidental death, disability and medical expenses. The first cause of death of children under 0/4 in China/KLOC is accidental injury, which is obtained from the data of the National Child Safety Organization. Such as falls, burns, animal bites, sharp instrument injuries, etc. , is a common cause of accidental injuries in children.
Therefore, when buying accident insurance for children, parents should be especially careful and give priority to accident insurance with sufficient accident medical insurance. A good accident insurance must be that the lower the deductible, the better, and the higher the proportion of compensation.
There is no year-on-year relationship between the premium of accident insurance and age, so you can consider buying one-year accident insurance. What kind of accident insurance for children is recommended? Please see here: specially designed for 12 years old children! Top Ten Children's Accident Insurance Lists Worth Buying in 2020
Hope to adopt!
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Source: Xueba said that insurance official website