If you want to buy insurance for a 4-year-old boy, the key point is protection, then it is definitely better to buy insurance for your child. Generally speaking, for 4-year-old children, senior sisters suggest buying critical illness insurance, medical insurance and accident insurance. Want to know how much money you can get after 15, or depends on the specific contract agreement of insurance products.

Take Evergrande Splendid Future Education Annuity Insurance as an example. A 0-year-old boy, the annual premium is 6,543,800 yuan, which is paid in five years, and the basic insurance amount is 5,654,380 yuan+0,670 yuan. At the end of the 15 policy year, the cash value of the product was RMB 694.249, which exceeded the total premium paid by us by RMB 500,000. If you want to surrender at this time, you can get 694249 yuan.

Want to know how to buy insurance for children? You can take a look at this article first: in-depth good text-how to buy insurance for children? The netizen shouted: How can I see it now?

Like insurance, there is also a principle of "guarantee first, then manage money". For children, it is best to complete the basic personal protection first, and then consider financial management to avoid putting the cart before the horse.

Take critical illness insurance as an example, which mainly covers major diseases. If the insured is diagnosed with the contracted disease and meets the claim conditions, the insurance company will pay in one lump sum. Moreover, this money can not only help insured families solve the problem of medical expenses, but also be reserved for children's future rehabilitation expenses and education funds. Moreover, it can also help our parents make up for the economic losses at work caused by their children's serious illness. What are the critical illness insurance for children worth buying in the market? Sister Xue has arranged it for you. You can refer to this list of children's critical illness insurance: the top ten children's critical illness insurance with high cost performance. Don't miss this treasure strategy!

There is also medical insurance, which belongs to reimbursement insurance. Generally speaking, when a child needs hospitalization, first aid before and after hospitalization, outpatient surgery, etc. Reasonable and necessary medical expenses can be reimbursed if they meet the corresponding conditions. It is also necessary to configure medical insurance for children. For the detailed strategy for children to buy insurance, you can move to this article: less than 1000 yuan, get the insurance for children!

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