Children's Insurance Purchase Strategy

Consumers who have bought insurance know that, in general, the sooner insurance is bought, the lower the premium. Children's Day is approaching. If parents consider insuring their children, they may choose the appropriate insurance products according to their needs at different ages. 0-6: Accident Insurance + Children's Medical Insurance + Health Insurance Generally, a baby can be covered for medical insurance after 28 days of birth. Preschool children 0-6 are most likely to get sick and have small accidents. Therefore, it is necessary to prepare a medical insurance and accident insurance for your child. At present, major diseases have a tendency to become younger and younger, and health insurance can be selected to share the medical expenses of children. Inpatient medical insurance is divided into reimbursement categories and allowances, which can be purchased separately or in addition to the main insurance. 3 After: Accident insurance is indispensable 3 After that, children who are naughty and lack self-protection must increase accident insurance. At present, the accident insurance on the field is consumption-oriented. The first category is accident insurance with a “one-year” insurance period. It protects the child’s death and disability caused by various accidents, such as paying 100,000 yuan a year. The second category is very short-term accident insurance, such as traffic accident insurance, travel accident insurance, aviation accident insurance, etc., only to guarantee accidents during transportation or during tourism, such as 3 days, 5 days, 10 days or a tourist period, etc. Cheap and high in insurance. 7-12: Education Gold Insurance + Medical Insurance Children should be educated funds and medical insurance when they are in the primary school stage of 7-12. Because of the age, the purchase of child insurance is relatively expensive, and you can choose insurance with cash back function when you apply for insurance. 12 After: Xue Ping Insurance + Residents' Health Insurance + Critical Illness Insurance More than 12 middle school students are insured. First, they should have a resident medical insurance. If they are unable to do residential medical insurance, they can purchase the school's unified insurance. If the conditions permit, you can also insured your child with a lifelong critical illness insurance and choose a dividend insurance policy to properly resist inflation. The Provincial Insurance Industry Association reminds you that buying insurance is subject to one of the most basic principles: first, parents, especially those with the highest financial contribution from the family. Only when the family pillar is adequately protected can the child’s risk be minimized. In addition, parents should choose products with exemption clauses when purchasing child insurance for their children. During the contract period, if the insured has an accident or loses the ability to pay, the unpaid premium can be waived, and the insurance coverage of the insured is still valid. The insurance premium is generally about 1% of the primary insurance premium.