Many people want to buy insurance for the elderly and children at home, which is more difficult. For example,/kloc-Is it necessary for children aged 0/2 to buy insurance? What insurance should I buy? Don't panic, senior sister will analyze it for you right away.
1./kloc-Is it necessary for children aged 0/2 to buy insurance?
Senior sister saw a news on the internet and wanted to share it with you. Details are as follows:
According to the latest child mortality data released by the United Nations Children's Fund, the World Health Organization and other relevant institutions, in 20 17 years, it is estimated that 6.3 million children under the age of 5 died, equivalent to 1 person every five seconds, most of which were due to preventable reasons.
In addition, the analysis of the report pointed out that most children under 5 died of preventable causes or treatable diseases, such as complications at birth and pneumonia. In contrast, among children aged 5- 14, accidental injuries are particularly serious causes of death, especially the following two: drowning and road traffic accidents.
Seeing these data, it is estimated that everyone did not think of it! According to the above news, it is obvious that children are far more fragile than adults think and need the care of their parents.
When it comes to caring for children, on the one hand, adults need to set an example, and they can also provide more comprehensive protection from other aspects; For example, if a child is seriously ill, besides the careful care of his parents, it is more important to have good treatment conditions.
In order to obtain better medical conditions, adequate medical expenses are essential; We assume that the child's protection has been done before, so we don't have to worry about medical expenses.
On the whole, it is best to buy insurance for children aged 12.
How to buy insurance for children aged 12? If you have parents who are equally troubled, this article will definitely help you:
Children's insurance, the difference between different age groups.
Second, how to buy insurance for children aged 12?
It is not difficult to buy insurance for children aged 12. The focus is on protection. Senior sister will give some advice to parents. Children's medical insurance, critical illness insurance, millions of medical insurance and accident insurance and education fund are more suitable for children aged 12.
1. Children's medical insurance
12 years old children, the first insurance that should be insured is children's medical insurance. Children's medical insurance is actually the same as our adult medical insurance, except that children's medical insurance belongs to residents' medical insurance, and the insured objects are mainly children and other groups.
Compared with commercial insurance, children's medical insurance can be said to be a very cost-effective insurance, and it is also a welfare given to every child by the state: moreover, children's medical insurance has the advantages of loose insurance and low premium.
In addition, the main purpose of children's medical insurance is to reimburse outpatient medical care, inpatient medical care and critical illness medical care according to a certain proportion, which can also reduce the premium pressure brought by commercial insurance.
2. critical illness insurance
When it comes to critical illness insurance, some parents may have the idea that "the child will not get any serious illness", but the fact is not as expected.
We can see from the relevant data released by China Red Cross Foundation that up to now, there are more than a dozen high-risk diseases in children, such as congenital heart disease, tuberculosis in children and cerebral palsy. And for ordinary families, the treatment fee for these major diseases is a huge sum of money!
12-year-old child is diagnosed with a serious illness. If the child has been insured with a serious illness insurance before, the insurance company will provide compensation to the insured in one lump sum if the compensation requirements are met. In this way, even if the insurance money can't completely cover the medical expenses, it will at least greatly reduce the financial burden of parents, and for children, they can also get relatively better treatment conditions.
Seeing this, if parents want to configure critical illness insurance for their children, this article must be read:
"Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders! 》
3. Millions of medical insurance
What I want to tell you is that millions of medical insurance and critical illness insurance mainly deal with the risks brought by serious illness. The difference is that millions of medical insurance aims to reimburse a series of medical expenses incurred by the insured within a reasonable range during hospitalization.
In fact, millions of medical insurance can not only reimburse general medical expenses, but also its biggest advantage is that it can reimburse special drugs, specific treatments or ICU and other special ward expenses outside the medical insurance catalogue.
In this case, for those seriously ill children, millions of medical insurance can play a role in obtaining good treatment conditions as much as possible.
4. Accident insurance
Compared with the above-mentioned health insurance, accident insurance can be said to be quite different in terms of accidental injuries.
Generally 12-year-old children are junior high school students, and they are likely to encounter accidents such as traffic accidents when they go to school or at school.
Therefore, accident insurance is also worth considering for children aged 12.
5. Education grant
Children represent the hope of the whole family and will be the pillar of this family in the future, so before that, there will definitely be all kinds of learning and growth; Then parents want their children to have better educational conditions and simply choose to buy an education fund for their children.
Education subsidy is actually a kind of compulsory savings, which not only has the functions of saving and security, but also can be used for financial management. Some education grants can even be collected in multiple installments, and this one also has a long payback period, which means that children can enjoy relatively long-term security services.
Third, the popular children's critical illness insurance-Qingyun Wei 1 Is it really good?
I believe that parents who have read the above content have realized the importance of critical illness insurance. So what children's critical illness insurance on the market is worth considering? For example, Qingyunwei 1 critical illness insurance for children, Guolianhui Xin 'an 2022 critical illness insurance for children, and Beijing Life Bumblebee No.6 critical illness insurance for children are all popular products in the critical illness insurance market.
Take 1 of China Merchants Renhe Qingyunwei as an example. This product not only has three basic guarantees of light, medium and heavy, but also can enjoy five compensation for light and medium diseases.
For children aged 12, Qingyunwei's 1 children's critical illness insurance is a very good substitute for critical illness insurance.
If you have a long-term plan for your child, you can consider buying an education fund insurance for your child after buying the critical illness insurance of 12 years old. Different from critical illness insurance, education fund can play the role of compulsory savings and plan a reserve fund for future children's education.
Iv./kloc-precautions for children aged 0/2 to purchase insurance
I believe everyone knows what kind of insurance 12-year-old children need to buy, so what problems should be paid attention to when applying for insurance? In order to prevent parents from stepping on the pit, senior sister gave some suggestions for reference by taking critical illness insurance as an example.
If you buy critical illness insurance for children aged 12, the key questions are:
(1) spare no effort to buy products with high insurance coverage under the premise that the burden allows, so as to avoid the situation of insufficient insurance coverage in the future.
(2) Mild, moderate and severe cases must be complete, and the three basic guarantees are very important.
(3) You should understand the exemption clause to avoid the difficulty of claiming or refusing to pay compensation due to the exemption clause.
Verb (the abbreviation of verb)/kloc-Where do children aged 0/2 buy insurance?
On the issue of where to allocate insurance, it seems easier for senior students to buy insurance now, and there are many channels to buy it. The specific distinction can be divided into online and offline.
Among them, online channels mainly include insurance company official website, exclusive app and Internet insurance platform, which can be consulted and insured; Then for offline channels, there are mainly insurance company service outlets and so on.
Sixth, the family insurance configuration
From the family's point of view, it is not only necessary to buy insurance for children, but more importantly, parents themselves need to have a sound security system; Why? Of course, because parents are the pillars of the whole family. First of all, they must have adequate protection. Secondly, it's the child's turn. After all, children are the hope of this family, and finally we have to consider the elderly. It is also important to support the elderly.
So for a family with an old age and a small one, how to configure insurance is appropriate? Click on the following article to know!
"3 plans, complete family insurance"
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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