Many families start thinking about buying insurance when they are ready to have children, which will be considered for their children. However, there are certain principles to be followed in order to purchase insurance for children. From the moment you are ready to have a child, your mother should make a plan for the child's health protection. You can get insurance through a separate maternal insurance or a comprehensive female insurance with maternity insurance, both of which will include the baby. Congenital disease protection. A family with insufficient budget can purchase maternal and child insurance. After the child is born, because the resistance of 0-6 children has not yet formed, you can add hospitalization insurance to your baby. In early childhood, due to the high probability of neonatal death, preschool children have poor resistance and are prone to some epidemic diseases. However, the rate of compensation for death as a condition of payment is not high. Capable parents can consider early children. Education is planned. 6 Children in the future will have more free time, but their self-protection ability is still poor, and there is a high possibility of accidents. After the accident insurance, a child’s accidental medical insurance is added to cope with accidental emergency and hospitalization expenses. A good choice. Due to the large number of accidents in the primary school period, the investment in accident insurance should be appropriately increased, and the savings of future education funds should be considered when conditions permit. As for major illness insurance, parents can purchase regular or lifetime major illness insurance for their children based on their economic strength. Xiao Bian believes that different stages need to purchase different insurances. However, it is child accident insurance that can be used for children at various stages. Children are full of curiosity about the world and want to understand the world. However, it is also Most vulnerable to injury. Therefore, accident insurance should be the first choice. Relatively speaking, the coverage of accident insurance is more extensive, mainly including three aspects of accidental death, accidental disability and accidental medical treatment. The specific description is as follows: Accidental death insurance is insured by the insured, and The accidental injury directly causes the insured to die within 180 days from the date of the accidental injury, and the insurance company pays the accidental death benefit to the beneficiary of the accidental death benefit according to the insurance amount of the insurance contract, and the insurance contract is terminated. Accidental disability insurance is inaccurately injured by the insured, and the accidental injury directly causes the insured to have a “profit of disability and insurance benefit ratio attached to the insurance contract” within 180 days from the date of the accidental accident. (In the attached table) one of the disability items listed, the insurance company pays the accidental disability insurance premium to the beneficiary of the accidental disability insurance by multiplying the payment ratio listed in the table by the insurance amount of the insurance contract. If the insured has not completed the treatment on the 180th day from the date of the accidental accident, the disability will be assessed according to the physical condition of the insured on the 180th day from the date of the accident, and the accidental disability insurance benefits will be benefited accordingly. People pay accidental disability insurance. If the insured causes two or more disability items listed in the Schedule due to the same accidental injury, the insurance company shall pay the sum of the accidental disability insurance benefits. However, when different disability items belong to the same limb, only one accidental disability insurance premium is paid according to the more serious items. If the insured person has the same limb disability due to different accidental injuries, and the disability project has different grades, the accidental disability insurance premium for the more serious items shall prevail: if the disability project belongs to a serious grade, the deducted accident shall be deducted. Disability insurance premium; if the previous disability project is of a higher grade, the subsequent accidental disability insurance premium will no longer be paid. The sum of the amount of insurance premiums paid by the insurance company according to the insurance contract is limited to the insurance amount of the insurance contract. If the sum of the sum of the various insurance benefits reaches the insurance amount of the insurance contract, the insurance contract is terminated. The accidental medical insurance premium is insured in the hospital due to accidental injury, resulting in medical expenses (hereinafter referred to as “medical expenses”) within the scope of this additional contract. The insurance company is insured according to the amount of insurance specified below. People pay accident insurance medical insurance. Therefore, Xiao Bian believes that parents should be able to purchase accident insurance when they purchase insurance for their children. The scope of coverage is more comprehensive and they can purchase other insurance for their children.