How to choose baby insurance

As a parent, I always hope that my child can grow up healthily and have a bright future. How to choose baby insurance is the biggest headache for parents. If the baby chooses the most suitable insurance? How baby insurance chooses to buy insurance for the baby is the preferred health insurance because child health issues most affect family financial arrangements. How to choose health insurance? There are three main types of infant health insurance: one is outpatient insurance; the other is critical illness insurance; and the other is hospitalization insurance. 1. There is no need to buy outpatient insurance. Everyone knows that the frequency of baby visits is relatively high, but the loss is relatively small. There is no need to buy insurance. Infants may see one or two outpatient clinics per month, each time spending between 1 and 200. If reimbursement claims are made each time, the administrative cost of the round-trip courier plus the claim check may need to be thirty or forty, which already accounts for the amount of the claim. a part of. In the process of operating an insurance company, the cost will be passed on to consumers and the premium will be increased. The final result is that the cost of outpatient reimbursement has no high value to the customer. Therefore, for the outpatient risk, we can't send it to the insurance company, but we take the risk ourselves and reserve a certain amount of money every month. 2, critical illness insurance must be bought, and the sooner the baby is seriously ill, the cost of medical expenses will be huge, even if you have other better medical reimbursement programs, you also need to spend money first, if your cash More nervous, family finances will enter a more tense state. Therefore, insuring serious illness can make family property not too tight. What is the appropriate amount of insurance for infants with severe illness insurance? It is recommended to use 500,000. However, the amount of critical illness insurance varies greatly from place to place. For example, it is appropriate for adults to purchase a critical illness insurance amount of 350,000. However, minors do not have reimbursement for medical insurance for severe illness, so the insurance amount is more than 500,000. should. The reason why infants must buy insurance 1. The cost of treatment for children with major illnesses is high, at least 400,000, which has a great impact on families; 2. The incidence of severe illness in children is high, and the number of patients with malignant tumors in 0-14 children is about 40,000 per year, and The rate of growth is 2%; 3, the cure rate of children with severe illness is high, the most common cure rate of childhood malignant lymphoma is 85%, the cure rate of childhood leukemia is also above 80%; 4, the mortality rate of children with severe disease is low, 20 The mortality rate of previous malignant tumors is significantly lower than other age groups; 5, the earlier the child's protection is purchased, the lower the premium, and the longer the protection period.