What are the return insurance for children?
At present, there are mainly four types of children's return insurance products suitable for children in the insurance market:
The first category is returned child accident insurance. This kind of products mainly provide accidental death or accidental disability protection, and some products can return all premiums in addition to paying insurance premiums for specific accidents. There are also some products that can refund the premium due to illness, or return the full premium when the insurance expires. What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Let's take a look at some good accident insurance recommendations. Top 20 quality accident insurance in 2020!
The second category is medical insurance for returned children. This kind of products mainly provide hospitalization compensation for accidents or diseases, and most of the compensation is paid in the form of hospitalization allowance. The premium can be returned when the insurance expires, and some products can be returned in excess. What kind of medical insurance are there? Which is worth buying? Look at the hottest 10 insurance of insurance companies this year: what are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020
The third category, the return of children's critical illness insurance. This kind of products mainly pay insurance money after the diagnosis of serious illness to protect dozens of diseases. However, some products have some restrictions on the return of premiums, that is, all premiums will be returned without claims. However, some products are covered by minor illnesses, and small compensation does not affect the premium return.
The fourth category is child education fund insurance. Although this kind of insurance does not explicitly state that it has the function of surrender, the education funds provided at the child's age and the venture capital and marriage funds provided when the insurance expires can be regarded as surrender.
Parents can buy the above four kinds of children's return insurance for their children, but it should be noted that children's accidents and disease risks should be given priority, and education should be considered last. Of course, there are some parents with good economic conditions who want to give their children more comprehensive protection. At this time, they can also choose a comprehensive education insurance with critical illness protection or hospitalization subsidy.