The singer Liang Jingru successfully gave birth on April 18th, and a small blue footprint printed by his husband was very happy. It is reported that the baby is called "Anderson", and the fans are asking for the baby to come close to each other while sending the blessing. Baby, this soft name brings a pink face and a small face, and a kitten cavity that is unscrupulous. As the lyrics of "Where is Dad?", many parents are saying - "Thank you for your patronage, my little monster, you are the most beautiful love letter I have ever written, buttoning a home, looking at you." Rain or shine." Of course, there are many forms of expression, linguistic, physical, and actional, and one is "insurance." Generally speaking, after the baby is born 30 days, they can purchase insurance products for them, mainly including accident insurance, medical insurance, major illness insurance, and education gold reserve insurance. But when the baby is born, he has a certain immunity, can resist most of the virus, and is generally not easy to get sick within 6 months. Mom and Dad don't have to rush to buy insurance for their baby. However, as time goes by, the babies begin to feel restless, crawling, standing, and even walking. It is more prone to bumps and bumps, fever, fever, diarrhea and even pneumonia. Accidents and medical insurance are necessary. It is worth noting that the baby's medical insurance is divided into two types: one is the compensation type, and the total cost incurred is the upper limit of the payment, and the payment is not repeated. It is not meaningful to purchase multiple copies at the same time; It is a big illness that is paid according to the medical certificate. As long as it is confirmed that the baby is indeed suffering from the disease within the insurance coverage, the insurance company will pay the corresponding amount, which can be paid repeatedly, and can be purchased in multiple copies. Experts suggest that the order for insurance purchases for babies should be: accident insurance, medical insurance, and major illness insurance for children. On the basis of complete insurance, consider purchasing education insurance. Of course, don't forget to participate in child health insurance provided by government agencies and units. In some cities, students and infants in urban households only need to pay 50 per person per year. Medical expenses exceeding the 650 threshold can be reimbursed at 70%. The maximum reimbursement for a medical insurance year is 170,000. A small number of well-being units can reimburse a part of the medical expenses for employees' children. Then, when parents insured their children, they only need to supplement those insufficient parts. While mom and dad are considering buying commercial insurance for their babies, they should also grasp several principles: First, protect the children after the adults. In insurance, priority is given to insurance for children, but the adults themselves are ignored. This is the most serious misunderstanding. Adults are the economic backbone of the family and the best "protective umbrella" for children. If you only buy insurance for your child, but the adult does not buy it yourself, then the family is likely to be in trouble when an adult accident occurs. Second, we must remember to attach an insurance policy to the insured person. If the parents have completely lost their ability to work, the insurance premiums will not be paid by the insurance company. This will not affect the benefits of insurance for children. Third, the payment period does not have to be too long. You can concentrate on the child before he is a minor, and after he grows up, he can choose his own insurance to insure himself, but the protection period can be relatively long. Fourth, the amount of insurance should not exceed the limit. Insured for the child with insurance as compensation (such as term life insurance and accident insurance), the accumulated insurance amount should not exceed 100,000. According to the regulations, the excess will not be valid even if the premium is paid. The fourth is to purchase additional insurance. When purchasing a primary insurance, you should also purchase an exempt premium premium. In this way, if the parents are unable to continue to pay the premium for some reason, the protection of the child will continue to be effective. Five: Different ages, different aspects of insurance coverage. The payment period for insurance products purchased by parents for their children can be concentrated before the child is underage. After he grows up, he should learn how to manage his finances and choose his own suitable insurance. Early childhood (0-6): Because of the high probability of neonatal death, preschool children have poor resistance and are prone to some epidemic diseases, while the general medical claims are not high in terms of death as a condition of payment. Therefore, it is recommended to buy more inpatient medical compensation type insurance. Primary school period (7~12): Due to the high risk of accidental injury, the investment of accident insurance should be appropriately increased, and the savings of future education funds should be considered when conditions permit. Of course, if the family is in good condition, the savings of future education funds should be considered shortly after the child is born, so that the annual premium burden can be reduced. Juvenile period (12~18): If you have not bought education insurance products at this time, you don't have to be limited to children's insurance, because some adult-oriented insurance can be purchased at 14 or above. Among these types of insurance, it is advisable to choose a dividend-returning product with a short interval, so that it can replace the education payment to a certain extent. Of course, you can also consider the universal life insurance with very flexible payment and withdrawal. This kind of insurance is not only guaranteed, but also highly investment. Adults and children can benefit.