The baby's insurance policy is divided into four parts.

First, medical insurance for minor illnesses

1. unexpected medical treatment: the baby is naturally active, and bumps are inevitable. Accidental medical treatment generally covers the responsibility of accidental outpatient service, with low deductible (some types of insurance have no deductible) and high reimbursement rate. Supplement the part that cannot be reimbursed by social security within the scope of social security.

2. Hospitalization: The baby's resistance is poor and it is easy to catch a cold and have a fever. It is also common to stay in the hospital. A cold today may cost one or two thousand yuan, which can reduce the burden of medical expenses. Supplement the part that cannot be reimbursed by social security within the scope of social security.

The above types of insurance are insured in the form of additional insurance in most companies, that is, long-term insurance (such as critical illness insurance) must be purchased before additional insurance for accidental medical treatment and hospitalization can be insured. Of course, there are also short-term accident insurance that can be purchased separately, including accidental medical treatment and hospitalization, such as Xue Ping insurance or card insurance, and the cost performance is still very high.

Social security, accidental medical care, and hospitalization are all problems to solve social security. Good medicine is not self-funded, that is, minor illnesses are solved, and serious illnesses need to be guaranteed.

Second, the critical illness insurance fund

The incidence of serious diseases tends to be younger. Children often suffer from hematological tumors, severe aplastic anemia and other major diseases, which cost more and cost more drugs at their own expense. Self-funded drug social security is generally not reimbursed. As long as the critical illness insurance is diagnosed or the corresponding surgery is performed, it will be given a one-time medical compensation. Compared with the light medical care that needs invoice reimbursement, the serious illness security fund pays, that is, a major illness has occurred. No matter how much medical expenses are actually spent, the critical illness insurance will pay a sum of money, and if it is insured, it will pay hundreds of thousands. There is no limit to how the insurance company can use the money, and how to reimburse social security and hospitalization.

Critical illness insurance It is recommended to purchase lifelong critical illness insurance. If you buy regular critical illness insurance, for example, only until you are 30 years old, you should consider two issues: 1. The older you are, the more expensive the premium will be. When the child is 30 years old, it will be expensive to buy critical illness insurance. 2. Can I still buy the body? When the child reaches the age of 30, can the physical indicators be guaranteed?

Therefore, it is recommended to buy lifelong critical illness insurance and lock in a high long-term critical illness protection when the child is very young. For example, PICC Worry-Free Life can cover 56 major diseases, mainland residents can go to Hong Kong for insurance, and children under 18 can buy 3.2 million insurance coverage. The coverage of newborn babies is 1 10,000, with about 8,000 people a year.

Third, the planning of education grant.

1. education fund savings.

It is not the only way to prepare the education fund in the form of insurance savings, but it is definitely a good way. Its advantages are:

A. compulsory savings. It is compulsory to save a fund for your baby when he goes to college. Under normal circumstances, you can't spend money. It is very stressful to take a large sum of money at one time when you go to school.

B. earmarking. Everyone has weaknesses, so it is not easy to take out the money in insurance, so it is not easy to disrupt the savings plan because of external factors, such as friends borrowing money (friendship and risk coexist, so I won't discuss it here). People often decide how much to spend according to how much to save, and it is difficult to save money in such a flexible way as banks or Yu 'ebao.

C. safe haven. Education expenses are doomed expenses, and the money must be preserved and increased on the basis of ensuring safety. Therefore, it is not recommended to invest the savings of the education fund in risky investments.

D. finance and business education. Give your baby a concept of financial management from an early age. You can take your baby to pay the insurance premium every year. Tell the baby that this is the cost of going to college saved by parents. Stone fortune -400-090-0650, set up lofty aspirations for the baby, encourage the baby to study hard, and let the baby know that life needs planning and saving. High financial quotient and high emotional quotient are far better than high IQ.

E. asset locking. Taking the vulnerable family groups as the insured and the baby as the insured, once the marriage is risky, the assets are not easy to divide. In addition, if there is an economic dispute at home, assets are not easily frozen.

2. Parents' income security.

The premise that the education fund can survive smoothly is that parents have a stable income. If parents' income is interrupted due to disability, illness or death, the education fund savings plan will be stranded. Parents bought enough life insurance before the baby reached adulthood, and the beneficiary wrote down the child's situation. Once the risk occurs, the claim can be used as the baby's daily expenses and education expenses. Children's education insurance generally has the function of premium exemption. The so-called premium exemption means that once the insured (parents) dies or is disabled during the payment period, the unpaid premiums that should be paid in the future do not need to be paid, but the insurance benefits that the baby should enjoy remain unchanged.

Fourth, long-term financial planning.

Establishing a long-term exclusive financial asset for the baby can ensure that the baby has a bright future, no matter whether it is ordinary or great. Insurance has incomparable advantages over other financial management tools in asset inheritance, asset preservation and tax saving. The premise of making long-term financial planning is that families have enough basic protection, and ordinary families do not recommend buying.

Analysis on the Misunderstanding of Children's Insurance Planning

The biggest misunderstanding of baby insurance in the planning process is to value children over adults.

I think it is good for children to buy enough insurance. Actually, it is not. The biggest risk for children is their parents, who are their best protection. When the skin doesn't exist, the hair is attached! A very simple example, there are two kinds of orphans in Wenchuan earthquake. One is that parents have no protection and have enough insurance for their children. As a result, no one paid the premium, and the loss of termination was not small, and the children had to live on relief. Another situation is that parents have enough insurance, children live on claims, and they have no worries about going to school! Therefore, buying insurance cannot put the cart before the horse. You should put adults before children. This is a silent love for children!