How should I choose insurance for my children? In view of the fact that many parents want to know about China Ping 'an's insurance for their children, Senior Sister will discuss it with you today!
Before getting into the topic, let's learn about the insurance products launched by Ping An. The cost performance is not high. This article will answer for you:
Is it reliable to buy Ping An insurance online? After reading it, my heart was calm ... "
A, China ping an to buy insurance for children, there are several!
China Ping 'an's special insurance for children includes accident insurance, critical illness insurance, medical insurance and education fund.
1, critical illness insurance
Critical illness insurance is actually a typical payment insurance. Simply put, after the critical illness insurance reaches the claim standard, it will also pay the claim amount to the insured in one lump sum.
Therefore, the amount paid by the insurance company to the insured in one lump sum can be used in any way.
If you plan to buy critical illness insurance for safe children, the protection content will be clearly indicated in the product terms, which usually includes the protection of serious illness, moderate illness and minor illness.
Its optional protection responsibilities include death responsibility, cardiovascular and cerebrovascular diseases, cancer protection and so on.
Its protection is almost always long-term, such as twenty or thirty years, to sixty or seventy years old, or even for life.
So, what are the precautions for purchasing China Ping An's children's critical illness insurance? Read this article and you will know:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid these pits of insurance."
2. Accident insurance
Children in various groups are most prone to accidents, and accident protection is particularly important for them, and parents also need to pay attention to it.
Ping An children's accident insurance products mainly deal with children's death, disability and related treatment expenses caused by accidental injuries, and the insurance company will pay compensation according to the contents of the contract.
Under normal circumstances, accident insurance has two parts: one is accidental disability, and the other is medical expenses caused by accidents.
3. Medical insurance
Children's resistance is not perfect, and they are prone to colds and fever. Parents need to take their children to the hospital for treatment, and the treatment cost is also expensive.
The scope of reimbursement for millions of medical insurance includes medical expenses and hospitalization expenses incurred due to illness.
Millions of medical insurance makes up for the limitations of national medical insurance and reduces the medical pressure.
After all, millions of medical insurance is unlimited times and diseases, and the school is the insured!
4. Education grant
Ping An Children's Education Fund is the most critical node for children to receive education, which can be supported by insurance money and provide strong backing for children.
However, there are many kinds of responsibilities for ensuring education funds, life-long and non-life-long.
Non-lifelong education annuities are generally earmarked for special purposes, including education funds returned by high schools, universities, and further studies;
Lifelong education fund is not only an education fund, but also a marriage fund and a pension fund.
Therefore, when choosing the Ping An Children's Education Fund, we should still pay attention to these issues:
(1) Whether to allocate exemption for the insured: In case of accidents of adults, this can also avoid the interference of children's rights and interests;
(2) Whether the children's education funding needs can be met covers the age and the amount received.
These are several insurances that China Ping An is suitable for children to buy, so let's study and choose Ping An insurance with senior sister. What should I pay attention to?
Second, how to choose safe child insurance?
1, according to economic needs.
When choosing safe child insurance for children, what friends value most is family economy.
If the budget is loose, the insurance that Senior Sister suggested to buy includes accident insurance, medical insurance, critical illness insurance and education fund insurance.
But we must ensure that the basic life will not be affected after paying the premium.
To this end, Senior Sister helped you sort out the products of Ping An with better quality, hoping to be useful to you:
What is the best insurance coverage for Ping An Insurance? 》
2. Focus on selecting products.
It should be clear that the protection of children of different ages should be focused.
For example, 0-6 years old, focusing on accidents, serious illness, and medical security;
Children aged 7- 12, focusing on medical security and education fund protection;
/kloc-after 0/2 years old, we should pay special attention to the protection of serious illness.
Therefore, when configuring insurance for children, parents must have a layout and have their own judgments!
Third, the summary of the senior sister
Generally speaking, China Ping An has many insurances suitable for children, such as critical illness insurance, accident insurance, medical insurance and education fund.
However, while carefully selecting suitable protection for children, don't forget to buy protection for parents first.
After all, parents are the most trustworthy protection for children.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!