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The National Day holiday has just ended, and some partners have returned to their jobs, and some are still working from home due to mask problems. One of the partners is still immersed in the joy of the holiday, because they not only have a pleasant vacation, but also the most meaningful holiday in their lives, that is, getting married and having children. There are several friends in my circle of friends who hold their weddings on National Day, and some who happen to have a baby, celebrate with the country. Congratulations here.
After having a baby, maternal love is everywhere and I begin to think about buying insurance for the baby. After careful consideration, I decided to give a summary and share.
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Let’s talk about the conclusion first, the three-piece set that babies should be equipped with: medical insurance + critical illness insurance + accident insurance.
Before configuring commercial insurance, parents must apply for children's medical insurance according to local policies and requirements. Children's medical insurance is a government policy benefit. No matter what your physical health status is, you can purchase it. One or two hundred yuan a year can cover the two major responsibilities of outpatient and hospitalization.
is required to be completed within 90 days of birth in Beijing, otherwise it will affect the reimbursement of expenses in that year. The annual expenses of one or two hundred yuan are required. See the figure below for the specific reimbursement of Beijing social security. No matter where you are, you must have medical insurance.
What risks are facing for babies
Before buying insurance, you need to figure out what risks the baby will face, and then you can configure insurance in a targeted and scientific manner.
Risk 1: Serious illness
The baby's body is still in the development stage, immunity is not very strong, and sometimes it cannot resist external risks, such as pollution, viruses, infections, etc. No matter what the cause of serious illness is, it is a thunderbolt for a family. In addition to the baby suffering from physical pain, the family also needs to invest high treatment costs, and one parent may quit his job because of taking care of the child.
Therefore, considering this situation, critical illness insurance and medical insurance are the types of insurances that should be configured first. The value of critical illness insurance lies in the fact that it receives a one-time compensation after suffering from severe illness, which can be used as compensation for subsequent treatment expenses or income interruptions, and medical insurance can actually reimburse the necessary expenses for hospitalization.
Risk 2: Accidental damage
Babies will start swallowing to walking, learning to drive, etc., and some accidents will inevitably occur in life. For example, accidentally eating foreign objects, burns and burns, falling and bumping, accidentally injured by partners, biting cat claws and dogs, etc. Those with greater risks include traffic accidents, falls, etc.
. Medical insurance generally has great restrictions on treatment costs caused by traffic accidents, third-party accidents, etc., and the reimbursement ratio is limited.
Therefore, in this case, accident insurance can solve this part of the vacancy, the premium is not much, and accidents caused by non-subjective can be reimbursed.
Risk 3: Minor illness
Daily colds, fevers, gastritis and other minor illnesses are not expensive, and they will not cause much trauma to the family like serious illnesses. Generally speaking, social security can basically cover it. If the economy allows, even daily colds hope to get a better medical environment and experience and avoid the crowded queuing of hospitals, then you can consider mid-range or high-end medical care.
03-Step-by-step configuration insurance plan
After analyzing what insurance should be bought for the baby, you should pay attention to what insurance should not be bought for . said this mainly to avoid spending money in vain.
Before we sorted out the risks faced by children, we did not mention death, which is a common risk in adults. This is because, for any family, if the child dies, no matter how much compensation you get, it doesn’t make much sense.
Therefore, pure life insurance with death liability does not need to be purchased.
Critical Illness Insurance with Death can also be cancelled if the budget is limited. The best consideration is to make the insurance sufficient.
accident insurance generally has death liability due to product design reasons, but there is a limit requirement for children's compensation, which cannot exceed 200,000 under the age of 10, and cannot exceed 500,000 under the age of 18.
[Critical Illness Insurance]
First answer a question: Why do you still need to buy critical illness insurance after buying medical insurance for your child?
The simplest thing is, the child is really seriously ill, and the adult’s job will definitely be affected, such as seeking medical treatment everywhere, such as quitting his job to take care of the child, etc. Where does the family income come from at this time? The insurance compensation for critical illness insurance can compensate for family income losses.
In addition, no matter how comprehensive the medical insurance covers a million yuan, some expenses cannot be covered, such as rehabilitation training costs, nutrition costs, nursing costs, etc. This is also where critical illness insurance can play a role.
There are currently two major categories of critical illness insurance for children:
One category is regular critical illness insurance that covers 20/30 years, and the other category is long-term critical illness insurance that covers 70/80 years old/lifetime.
The biggest difference between them is the coverage period, so the premiums are also very different.
For example, critical illness insurance that covers 20/30 years is very cheap, while lifetime critical illness insurance is relatively expensive.
Which one should we choose?
The advice I give is that the insurance amount must be guaranteed first. On the premise of guaranteed insurance, if the budget is sufficient, long-term or lifetime can be considered; if the budget is very limited, then periodicity should be considered, and it is not a bad idea to apply for additional insurance when conditions allow.
Another reason is that if the lifetime critical illness insurance we are buying now has not been in danger, then 30 years later, with the inflation of and , the insured amount of hundreds of thousands may be insufficient. At that time, additional insurance will be needed, and I believe that better products will appear. If something happens during this period, at least the basic insurance amount can be locked, and there will be no guarantee at all.
Therefore, each has its pros and cons. Considering comprehensively based on your own situation, of course, the best situation is to buy for life with sufficient insurance.
These are all very classic and excellent children's critical illness insurance products, and they are all very good products.
Bumblebee No. 7 is my most recommended choice for children's critical illness insurance. Its characteristics are that the number of payments for mild and moderate symptoms is relatively flexible, and multiple payments can be selected to provide sufficient protection. China Merchants Renhe Qingyunwei No. 1, a large company background is also a good choice.
If the budget is limited, children's critical illness insurance can be bought like this:
Plan 1: Bumblebee No. 7 has a coverage of 500,000 yuan, which is guaranteed for 30 years, 20 years of payment, additional payment, premium of 573 yuan/year;
Plan 2: China Merchants Qingyunwei No. 1 has a coverage of 500,000 yuan, which is guaranteed for 30 years, 30 years of payment, death compensation is guaranteed for 565 yuan/year;
Plan 1+ Plan 2 has a cumulative coverage of 1 million yuan, and the premium is only 1,138 yuan.
That is to say, I only spend less than 1,200 yuan in premiums every year, and I bought a 1 million yuan in critical illness protection, as well as additional compensation for special diseases for children, multiple compensation for critical illnesses, and mild/medium symptoms protection.
Reminder: The biggest problem with buying 30-year children's critical illness insurance is that if the insured's health status changes within the expiration of the 30-year insurance, you may not be able to buy long-term critical illness insurance again.
If the budget is sufficient, children's critical illness insurance can be bought like this:
Plan 1: Bumblebee No. 7 has a coverage of 500,000 yuan, lifelong, 30 years of payment, additional death and serious illness multiple times, premium 3185 yuan/year;
Plan 2: China Merchants Qingyunwei No. 1 has a coverage of 500,000 yuan, lifelong, 30 years of payment, additional secondary critical illness and tumors, premium 3460 yuan/year;
or above, both insurance amounts of 500,000 yuan. This amount should be guaranteed in first-tier cities or provincial capital cities, and it is best to be more than 600,000 yuan.
[Medical Insurance]
Children's million-dollar medical care, the first thing to recommend is Pacific Blue Medical Insurance, guarantees renewal of for twenty years. A 0-year-old baby costs only 440 yuan a year.
covers 2 million general medical insurance and 4 million critical illness insurance. The cumulative renewal period can be 8 million. There is also an additional 2 million quota for 88 specific drugs, including CAR-T anti-cancer injections.
The whole family can also enjoy a 5% discount rate when insured, and the family shares a deductible of 10,000 yuan.
If you care about the medical environment and experience, you can also choose mid-range and high-end medical care, and the premium will also be increased.
[Accident Insurance]
Children's accident insurance, two recommended models, one is the classic Ping An Xiaowan, and the other is the baby Wuyou of Meiya .
, one of these two accident insurances is a classic model with a very cost-effectiveness, and the other is available to , private hospital , each with its own strengths.
Little naughty boy: The accidental medical insurance amount is 30,000 yuan, and the annual premium is only 130 yuan. Accidental medical treatment is 100% reimbursed, 0 deductible, and there is no limit on social security and internal and external medication. Any treatment caused by accident can be reimbursed.
Baby Worry: The accidental medical insurance amount is 20,000 yuan, and the premium is 365 yuan per year. Accidental medical 0 deductible, 100% insurance, limit of 20,000 per time, unlimited number of times.
can go to a private hospital, with a limit of 8,000. There is an emergency ambulance of 2,000 yuan.
Each accident limit, no limit on the number of accidents throughout the year, no limit on social security and medication, no health notification is required.
can go to a second-level or above public hospital (including special needs departments, international departments, foreign guests departments, etc.), go to a private hospital or private clinic (i.e. clinics that are not open 24 hours a day), and go to a first-level public hospital for rabies vaccination.
[Summary] The above products can basically provide powerful and comprehensive risk protection for your own babies.
critical illness insurance: Bumblebee No. 7 500,000 yuan coverage, lifelong coverage, 30 years of payment, additional death and serious illness, premium 3185 yuan/year;
medical insurance: blue medical insurance, additional specific drug costs, premium 440 yuan/year;
accident insurance: little naughty child, 130 yuan/year. The total premium of
is 3755 yuan per year. There is no need for a premium of tens of thousands or tens of thousands of yuan to fully equip the basic protection.
What is Mingya :
Mingya Insurance Brokerage Co., Ltd. was established on November 18, 2004 , with a registered capital of 76.7574 million yuan, and its headquarters is located in Beijing.
Mingya is in line with the international advanced model and is the first to introduce the concept and service of brokers to the field of personal insurance marketing in China. For a long time, Mingya has adhered to the standpoint of 's independence, objective and fair , truly paying attention to the individual needs of each customer, and relying on a professional service team and a rich product system, aiming to become a private risk management consultant for customers.
Mingya Vision: promotes the healthy development of the insurance industry and allows every family to have an exclusive insurance broker.
Mingya Mission: helps customers "clearly understand risks, buy insurance clearly, and enjoy life steadily."
Cooperation Institution: Mingya cooperates with 95% of the mainstream life insurance companies in the market. Whether the life insurance company agrees and is willing to cooperate with brokerage companies depends mainly on the company's strength, stability, continuity rate, reputation, production capacity, , etc.
Who am I:
13 real estate design experience transformation Mingya Insurance broker, I will do a good job in family security planning and design for every customer like the design work I once loved.
objective, professional, neutral, serious, patient and meticulous.
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