Children are small, curious and prone to bumps and bumps. If they are not careful, they will have a high incidence of accidents such as falls, burns, cat scratches and dog bites.
In addition, children have low immunity, colds and fevers are common, and they often go to the hospital.
As parents, it is understandable that they want to give their children the best protection, but many people pay a lot of IQ taxes.
Originally wanted to give the child a health protection, but the agent fooled him to buy an unnecessary product [cover face], and spent a lot of money.
In fact, it is not expensive to buy the right insurance. In order to prevent everyone from stepping on the pit, today I will share the child insurance strategy , full of dry goods, remember to live!
1. These pits must be avoided
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The child is not the breadwinner of the family and does not need to buy life insurance.
It seems that everything is guaranteed, but in fact, nothing is guaranteed. For 2 cents, only buys 1 copy of .
02 Return type insurance
It is also called two-fold insurance, which is 2-3 times more expensive than pure protection insurance. The money paid after decades has depreciated. The excess money is deposited in the bank.
03 Long-term accident insurance
Insufficient protection responsibility, many are only compensated for death and total disability, and there is no accidental disability protection.
2. What kind of insurance should children buy?
As long as children face a wide variety of accident risks in the market, there are many risks of span25 and span25. You can configure these four types of insurance:
Children's Medical Insurance + Critical Illness Insurance + Million Medical Insurance + Accident Insurance
_strong _strong 37strong _span 26 40 strong 37strong _strong Do early and enjoy,National basic welfare, can be partially reimbursed for major and minor illnesses, and even the hospitalization fee for the newborn can be reimbursed . 200 yuan/year Medical expenses from the date of birth can be reimbursed for medical expenses from the date of birth 3 months to 1 year old: from the time of application Monthly medical insurance reimbursement benefits After 1 year old: you can only wait for monthly September-November to apply for medical insurance reimbursement from January 1 of the following year. Disease insurance
To deal with children with high incidence of major diseases, such as leukemia, severe hand, foot and mouth disease, etc.
If you are sick, you can get a one-time compensation . You can spend it whatever you want. Rehabilitation, treatment, and living expenses can be used.
around 600 yuan/year
Purchase points:
lispan is recommended to buy more than 500,000 span ul ul189 25 million. li193li
03 Million medical insurance
Children have poor immunity and are prone to get sick to the hospital. Although there is medical insurance, many self-funded drugs cannot be reported. Million Medical Insurance The cost of more than 1w can be 100% reimbursed . purchase points
about 600 / year
:
- content to guarantee full, inpatient medical / special outpatient medical / clinic Surgery , etc. must be covered to
- priority selection unlimited hospitalization days 's
- , see For example, green channel for medical treatment, reimbursement of purchased drugs, advance payment for hospitalization, etc.
- choose good renewal conditions, it is best to be able to guarantee renewal
+The combination of medical insurance can make babies sick and spend a lot of money less. It is recommended that all moms should configure it~
04 spanspan _strong 04 spanspan _strong26span _strong26span _strong It can reimburse the death/disability/medical expenses caused by the accident of the baby’s fall, scald, etc..
60 or so/year
Purchase points:
- Accidental span/lispan190 Focus on accidental medical care, give priority to 's self-paid drugs and imported drugs, which can be reimbursed. If the scope of social insurance is not limited, 100% can be paid.
- It is best to choose 0 deductible
So it is not expensive to buy insurance for the child.
After reading, if you still have any questions, or if you need product recommendations, you can contact me~
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