1, children's medical insurance-guaranteed type
In family life, there are mainly two kinds of expenses related to children's health: one is the child's serious illness; One is that the child is hospitalized. At present, major diseases tend to be younger, such as malignant tumors such as leukemia, and Kawasaki disease. According to the current situation of China's basic medical insurance system, children of this age are basically in a state of no medical security.
Therefore, sharing children's medical expenses with insurance has become an important factor to consider when insuring children's insurance.
2. Children's education insurance-savings.
In recent ten years, the educational expenditure brought by the marketization of education has soared, and the concept of family consumption has changed. More and more parents are willing to invest their limited resources in the education and training of their children and make financial planning and arrangements for their children in advance.
4. critical illness insurance
At present, it is more and more common for babies to suffer from serious diseases. Once suffering from a serious illness, the cost of treatment is expensive, which is unbearable for ordinary families. Critical illness insurance, which covers a variety of major diseases, belongs to the payment insurance that pays immediately after diagnosis. There are no other restrictions on the use of the insurance money paid, which can not only solve the problem of treatment costs, but also subsidize the lives of family members.
5. Accident insurance
The risk of accidents is inevitable, and accidents have become the primary cause of premature death of children. Children, in particular, are at higher risk of accidents due to lack of safety awareness and self-protection ability.
At present, many insurance companies design education funds and children's death protection together, so buying education funds insurance has an additional protection function compared with simple investment channels such as savings. In addition, buying insurance can also achieve the purpose of reasonable tax avoidance to a certain extent.