1, average economic strength: (annual income below 20,000) You can consider buying accident insurance and medical insurance (subsidies and medical insurance). Children's awareness of self-protection in infancy is relatively poor, relying entirely on the care and protection of their parents, and the incidence of diseases is higher than that of adults. At the same time, children's accidents such as car accidents increase in kindergarten, primary school and middle school, and parents can buy such insurance for their children as appropriate. Once a child is sick or has an accident, he can get some financial compensation. This kind of insurance doesn't cost much, but the protection is good. For example, the "Ping An Self-Service Card" is very good.

2. Economic strength is acceptable: (annual income is 20,000-50,000 yuan) Consider critical illness insurance ("China Ping 'an newborn critical illness insurance"). On the basis of purchasing the above insurance products, increase the critical illness insurance. Due to the heavy burden of high medical expenses for major diseases, a family is often under great economic pressure. In the past, insurance companies refused to insure young children, but now they are relaxed.

3, strong economic strength: (annual income of 50,000 -65438+ 10,000) can increase education insurance for children. Education insurance mainly solves the problem of tuition for children to go to high school, university or study abroad in the future. It should be said that if parents have strong financial strength, buying education insurance is only "compulsory savings", and its income is slightly higher than that of time deposits, which can avoid interest tax and provide a family financial planning. For example, "China Ping 'an Xinli Old-age Security (Dividend-sharing)" and "China Ping 'an Century Rainbow Children's Old-age Security".

4. Strong economic strength: (annual income is more than 654.38+ 10,000) You can buy some financial insurance. After the above-mentioned guarantees are complete, if the family's economic strength is really strong and you want to give your baby more protection, you may wish to ask the insurance company to provide some financial insurance for combination. For example: "China Peace Century Angel Pension Security (Dividend-sharing)" and "China Peace Children's All-around".

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.