Children should first consider major diseases and education funds. The importance of major diseases can be understood under Baidu search, so as to prevent problems before they happen. It is every parent's responsibility to think about their children's future. As for accident insurance and hospitalization insurance, they are generally consumer-oriented, ranging from tens to hundreds of yuan, each of which is similar.

The sooner you buy insurance, the better. The longer the coverage time, the cheaper the premium and the more the return. As for which insurance is good, it's hard to say. You have to shop around to find your most satisfactory protection. Recommend Prudential's ideal life savings plan, including life insurance, education security and old-age security.

Take 1 year-old boy as an example: annual premium 10000, payment 10 year, total premium 10000, and life insurance amount of 500000 (continuous accumulation).

From 18 to 2 1 1 (* * 4 years), you can receive 14677 yuan and * * 58708 yuan every year;

Or if you didn't receive it in the first four years, you will receive 6560 1 yuan at a time for 2 1 year. 2 1 year, with a cumulative death insurance coverage of 800,000. This guarantee will remain valid until 100 years old.

Children who retire at the age of 60 can receive 1, 467,503 yuan as retirement pension fund. At this time, the accumulated death insurance amount is 2,420,365,438+065,438+0 yuan;

Or children who retire at the age of 65 can get 1.902. 860 yuan, as a retirement pension fund, has accumulated death insurance benefits of 2,764,476 yuan.

Of course, the longer you accumulate, the more retirement protection you will give your child, and at the same time, you will also give your family a protection (for example, the insured can get a sum of compensation for accidental death or disability, for example, when he is 65 years old, his family will get 2,764,476 yuan in compensation).

Savings-type critical illness life insurance:

Take 1 year-old boy as an example. The amount of death and serious illness insurance is 300,000 yuan (which will be accumulated continuously), and the annual payment is 32 10 yuan, which is guaranteed for life after 20 years.

This plan covers 59 kinds of serious diseases (including 7 kinds of diseases paid in advance) and helps the insured to treat diseases with peace of mind (the most serious diseases on the market).

In addition, the advance payment is guaranteed, and coronary angioplasty can be insured up to 25% in advance: if the insured needs coronary angioplasty (commonly known as "wave pass"), the plan can be insured up to 25% in advance. (It is also rare in the market). Unfortunately suffering from carcinoma in situ (including carcinoma in situ of breast, cervix, uterus, ovary, fallopian tube, vagina and testicular cancer) or serious diseases of children, the plan can also advance 20% of the insured amount at that time to solve the urgent need.

There will also be cash compensation when surrendering. When you reach a certain age, have no serious illness, but feel that you don't need or don't need any more security, you can receive cash value for the elderly. For example:

At the age of 65, you can receive a pension of 610.5 million yuan. At this time, the accumulated insurance coverage for death and serious illness is 840,000 yuan;

Or 70 years old, you can receive a pension of 792,000 yuan. At this time, the cumulative insurance coverage for death and serious illness is: 65,438+0,020,000 yuan; Of course, the longer it takes, the more it accumulates. It can not only prevent major diseases, but also provide for the elderly.

In addition, the increase or decrease of premium is directly proportional to the insured amount, such as halving the insured amount and halving the premium, which is convenient for calculating the insured amount you want and the premium payable.