For most people, it is very necessary to choose some insurance.

After all, risks cannot be predicted, so in order to provide themselves with more comprehensive protection, most people will choose to purchase insurance to transfer risks.

So for 18-year-olds, do they need to buy insurance?

What should you pay attention to when buying insurance?

Senior sister, I will tell you now!

1. Why should we buy insurance for 18-year-olds?

How to make children feel the love from their parents?

Should I buy the most expensive clothes or the best toys for my children?

The senior sister’s advice to everyone is to provide comprehensive protection for the children. In addition to love, there is also the safest arrangement for the future!

It starts when the children learn to walk and continues until they can walk very steadily. The children still have a long way to go in the future. Parents' companionship cannot last forever, but insurance can convey love and help children get through every difficulty safely. It is the responsibility of every parent.

due responsibilities.

It is reported that in China, the incidence of malignant tumors in children has been rising. The cost of treating serious diseases in children is extremely expensive, starting at least 400,000 yuan. Assuming that a child suffers from a serious illness, the impact on the family will be huge, in addition to having to bear a huge amount of money.

Medical expenses, and at least one of the parents will need to stay away from work to provide care. Simply put, it means facing double economic losses.

Moreover, in addition to the possibility of serious illness, there are also accidental risks such as small bumps in daily life, scratches and bites from cats and dogs, colds and fevers. These are risks that may occur at any time during the growth stage of children, so if you ask

I wonder if it is necessary to buy insurance for an 18-year-old child? My answer is yes.

So how to buy insurance for an 18-year-old child?

I believe many friends are confused.

Senior sister’s exclusive 18-year-old insurance application guide helps you configure 18-year-old insurance in three minutes without stepping into pitfalls!

"Which insurance is suitable for young people aged 18-19" 2. How to buy insurance for 18-year-olds?

The insurance configuration plan for 18-year-old children is very simple. The insurances that must be selected are critical illness insurance, million-dollar medical insurance and accident insurance.

If you have more money on hand, it is recommended to buy an education fund for your child.

1. Critical illness insurance Critical illness insurance is a member of the benefit-type insurance, but there is one thing that needs to be paid attention to. Many critical illness insurances do not pay immediately after diagnosis. They require that the insured's disease is diagnosed or reaches a certain disease state or

Certain surgeries are required to qualify for the corresponding benefits.

Moreover, no matter how much the insured pays, the insurance company will pay according to the insured amount. The insured can use the compensation as he wants. The insurance company has no right to interfere with the use of the money.

This money is not only used for treatment expenses, but can also be used to take care of the family, which can effectively protect the daily life of the family in the future.

2. Million Medical Insurance Million Medical Insurance refers to the medical expenses incurred by the insured due to hospitalization due to illness during the insurance period. Million Medical Insurance can reimburse a large part of them, which is in line with the coverage of Million Medical Insurance and exceeds the exemption limit.

The insured person will receive the compensation paid by the insurance company.

By the way, million-dollar medical insurance is not the same as critical illness insurance. The deductible of general medical insurance is usually set at 10,000 yuan. The part exceeding the deductible will be reimbursed by the insurance company. If it is lower than the deductible,

The insured cannot apply for reimbursement.

3. Accident insurance Life is always changing. No one can predict accidents. Accidents may happen at any time in our lives. The impact of accidents on the family cannot be underestimated. In this way, a sufficient amount of accident insurance is

It can solve the financial losses caused by accidents to the family.

4. For the current children’s education expenditure, it gradually increases at a rate of 3%-5% every year. It is still a large amount of education expenditure, which will put more and more pressure on parents. If entrepreneurial funds can be established earlier,

If established, it will be more helpful for children to take the first step in life and enter social life smoothly.