Basic security, serious illness, hospitalization, accidents, very cheap.
Accident insurance: children are naturally active and curious, and it is inevitable that there will be bumps.
Hospitalization insurance: the baby's immunity and resistance are not as good as that of adults, and it is necessary to be hospitalized for a cold and fever.
Critical illness insurance.
Education grant: savings and security.
Saving: that is, buying savings-based' insurance' and forcing yourself to save money for children's studies is necessary for people with weak self-discipline.
Education fund guarantee: Children's tuition comes from their parents. Once parents' financial resources are interrupted, their life and study will be directly affected. Therefore, parents are advised to buy insurance for themselves, designate their children as beneficiaries, and have insurance claims when their children can't make money because of risks to ensure that their lives and studies are not affected.
Education gold insurance is different from dividend insurance. Dividend insurance is life-long protection and money is refunded every year. The general guarantee period of education gold insurance is the baby's graduation from college, and the bonus is given at the advanced stage or key node of education. Some insurances also provide a wedding bonus for a 25-year-old baby.
At the same time, experts remind parents to grasp several principles when considering buying commercial insurance for newborn babies.
1. Protect adults first, then protect children. Adults are the breadwinners of the family and are best for children? Umbrella? . If you only buy insurance for children and adults don't buy it themselves, then when an adult has an accident, the family is likely to get into trouble.
2. The payment period does not need to be too long. You can focus on it before your child is underage. This period of time is also the stage when parents are in the best health and have the strongest ability to make money.
3. Try to choose? Free of charge? Term insurance exempts clauses or additional premiums, especially education insurance. In order to prevent parents from continuing to pay premiums during the insurance period, it is best to buy premium-free additional insurance at the same time as the main insurance. In case of parents' accident, the insurance company can waive the future premium to ensure that the child's insurance contract will continue to be valid.
4. The sooner children buy insurance, the better, because the younger they are, the lower the premium, and it is good for children to buy insurance early. General medical insurance has an observation period. Generally, the policy takes effect for minor illness for 90 days and serious illness 180 days. You don't have to buy it to use it.
5. The remuneration should not be too high. Generally, the annual payment should be less than 20% of the annual household income, so as to avoid excessive payment pressure in the future, and the insurance should be appropriately increased with the increase of household income.