If there are no special circumstances, it will be more appropriate for a one-year-old baby to buy these kinds of insurance: critical illness insurance, medical insurance and accident insurance.

For parents who don't know how to buy insurance for their children, you can read this article: In-depth and good article-how to buy insurance for their children? Netizen shouted: Why do you see

1. Critical illness insurance

Critical illness insurance is a payment insurance. During the protection period, if the insured is unfortunately seriously ill and meets the claim requirements, the insurance company will pay an insurance premium as agreed.

If a child is unfortunately suffering from a serious illness, parents not only have to bear the cost of treatment, but also have to quit their jobs to take care of the child, which will cause a great blow to the family's economy, so it is necessary to configure a critical illness insurance for the child.

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2. Medical insurance

The common medical insurance suitable for one-year-old babies are millions of medical insurance and small medical insurance. Although the reimbursement amount of small medical insurance is not as high as that of millions of medical insurance, we can use small medical insurance to reimburse children who have a cold and fever when they go to the hospital, which is more practical for children with weak resistance and are prone to colds and fever.

The reimbursement amount of millions of medical insurance is relatively high, and the scope of reimbursement is also relatively wide. Moreover, millions of medical insurance is basically not limited to disease reimbursement. Not only that, there are many millions of medical insurance in the market that also contain value-added services such as "advance payment of medical expenses" and "medical green link", which provide convenience for us to see a doctor.

For those who don't know about value-added services, please read this article: What is the "value-added service" in medical insurance? The more value-added services, the better? Sample, it's naive ...

3. Accident insurance

Accident insurance mainly protects personal injury caused by external, unexpected, unintentional and non-disease events. Children are curious and like to explore new things around them, but their safety awareness is relatively lacking, and the probability of accidents is relatively high, so it is necessary to configure an accident insurance for children.

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