Children's health medical insurance - protection type children's insurance In family life, there are two main types of expenses related to children's health: one is children's major diseases; the other is children's hospitalization.
At present, major diseases tend to affect younger people, such as leukemia and other malignant tumors, as well as specific major diseases that infants and young children are susceptible to, such as Kawasaki disease and severe myocarditis. According to the current status of my country's basic medical insurance system, teenagers and children This age group is basically without medical insurance.
Therefore, using insurance to share your child’s medical expenses has become an important factor to consider when purchasing children’s insurance.
Nowadays, common childhood diseases are mainly respiratory and digestive tract diseases, such as upper respiratory tract infections, bronchitis, pneumonia, diarrhea, etc., which often result in hospitalization, and the accumulated costs are not small.
Therefore, when considering purchasing insurance, it is recommended that parents purchase additional hospitalization medical insurance and hospitalization allowance insurance.
In this way, if the child gets sick and is hospitalized, most of the medical expenses can be reimbursed, and a hospitalization subsidy of 50 yuan to 100 yuan/day can be obtained.
Features of the insurance: low premiums, high protection, and no refunds.
Applicable families: basic purchase, children with weak physical constitution.
Tips: The younger the age for critical illness insurance, the cheaper the premium.
In the past, many companies required that only those over 18 years old could purchase critical illness insurance, but with the increase in insurance products, children under 16 can now purchase this insurance.
Children's Education Savings Insurance - Savings-type Children's Insurance In the past ten years, due to the rise in education expenditures brought about by the marketization of education and the changes in family consumption concepts, more and more parents are willing to invest limited resources in the education and training of their children.
Go ahead and make financial planning and arrangements for your children in advance.
Education savings insurance mainly solves the problem of tuition fees for children to go to school or study abroad in the future.
Purchase insurance to raise education expenses for your children. After purchasing the insurance, you need to pay the insurance company on time. As a kind of compulsory savings, it can protect your children's future expenses.
Once a parent has an accident, if they purchase an insurance product that waives premiums, the children will not only be exempted from paying premiums, but will also receive a living allowance.
Therefore, this type of insurance is mainly about savings and protection.
Features of the insurance: Regular fixed-amount payments, the more you deposit, the more you will get back, and there is protection beyond savings.
Suitable for families: medium and long-term reserves with clear goals.
Tips: Since many insurance companies currently launch educational insurance plans that combine education funds with child death protection, compared with simple investment channels such as savings, purchasing educational insurance has an additional layer of protection.
In addition, purchasing insurance can also achieve the purpose of reasonable tax avoidance to a certain extent.
Children's investment financial insurance - investment-type children's insurance investment-linked insurance is a new type of insurance that integrates protection, savings and investment.
Unlike other types of insurance, investment-linked insurance can better integrate the advantages of risk protection and financial planning.
Investment insurance, especially universal products, can simultaneously solve the problems of large expenses such as children's education (study abroad), starting a business, and pension.
At present, the specific insurance plans of various insurance companies are different, but usually, before the child reaches adulthood, the parents are the policyholders and plan the future education and study abroad expenses and startup capital for the children; after the children become adults, they themselves will become the policyholders and plan the plans.
Supplement pension, medical, travel funds, etc.
Nowadays, it has become common sense for many parents to buy insurance for their children, but how to correctly select and match insurance for their children has become a headache for many parents.
Faced with the various insurance products on the market, the dizzying insurance clauses, and the various financial accounts, where should you start when buying insurance, and how can you give your children the best possible benefits without wasting money?
What about good protection?
Minute 1... Learn about children’s insurance. Why should I insure my children to reduce the pressure of accidents: According to a survey conducted by relevant departments on more than 40,000 children and adolescents in 11 cities across the country, 20% to 40% of children in our country are injured due to accidents every year.
Injury death, disability or medical treatment.
Accidental injuries to children have become one of the most serious social, economic, and medical problems today.
Children are active by nature and do not know what dangers are. Therefore, it is necessary to insure children against accidents.
Reduce medical burden: Parents pay special attention to their children’s health.
At present, serious diseases tend to affect younger people, and the high medical expenses of major diseases have become a heavy burden for some families.
According to the current status of my country's medical system, Chinese children are not covered by the social security system, and teenagers and children in this age group are basically without medical insurance.
Children and adults have different disease risk factors, so choosing insurance reasonably can transfer children's medical risks and effectively protect family assets from loss.
Reserve education fund: Someone calculated an account and found that it costs about 300,000 yuan in study-related expenses from the birth of a child to the time he graduates from college and joins the workforce. This also excludes other arts categories such as learning piano, painting, ball games, tutoring classes, etc.
Considering the cost of insurance, children's living expenses, and price growth, you might as well choose insurance types that increase the insured amount year by year or have dividends to offset some basic inflation and also have an investment effect.