How many people, like me, have children and start thinking about insurance?
There is a saying that no child does not know the grace of parents, after becoming a mother, you can experience the taste of "wanting to take out your heart and be good to a person".
Buying insurance for their children is also the protection that many mothers want to give their children.
However, the insurance of children is not as good as possible the more you buy (except for local tycoons who have too much money to spend), and some insurance is too mrs. and too unsuitable for children.
01
The last insurance you should buy for your child
Nonsense is not much to say, the last insurance you should buy for your children, I want to break my head and can't think of why I want to buy insurance, that is, life insurance.
What is Life Insurance? As the name suggests, it is based on the life expectancy of the person as the object of protection, and if the person dies or is completely disabled during the protection period, he can apply for compensation from the insurance company.
When people die, who needs compensation the most? This person is needed to take care of the person who is raising the supporter. In other words, the economic pillar of a family is the person who needs life insurance the most.
There is a mortgage car loan, to support the elderly, to take care of children, in case of misfortune, life insurance compensation can help the family tide over the difficulties, not because of the mortgage can not be homeless.
So, what do you want to do when you buy life insurance for your children???
02
Insurance that can be bought for your child
I personally think that in addition to life insurance is absolutely thunderous, other insurance can be appropriately configured according to the specific situation of the family and children.
Before buying insurance for your child, you can first close your eyes and think, what risks are you worried about your child? What you can afford and what you can't. Decide what you want, and then you won't get lost.
I was most worried about two things, being sick and looking down on me, and being unable to afford to go to school.
Accident insurance
Accident insurance covers two aspects, death or disability caused by accident and medical expenses caused by accident.
In the process of growing up, children are always bumping and bumping, buying accident insurance for children should focus on the medical part.
Some accident insurance can only go to public hospitals, and some accident insurance can cover the special needs of public hospitals and private hospitals, depending on the configuration of individual needs.
To be honest, the accidental medical treatment of accident insurance is about 12,000 yuan, and we can afford this risk.
However, accident insurance is cheaper, an accident insurance that can go to special needs and private hospitals, two or three hundred yuan a year will be done, whether to buy depends on personal choice.
Medical insurance
Medical insurance is my favorite insurance because it solves the first problem I worry about the most: being sick and looking down on.
Medical insurance has millions of medical and micromedicine.
Million medical is up to 2 million 4 million 6 million, there are 10,000 or 20,000 deductibles, the general million medical is inpatient + special outpatient, a year's cost is related to age, a few hundred dollars can be done.
There are also mid-range medical and high-end medical treatment, the sum insured is still a few million, but it can cover inpatient and outpatient treatment, the deductible can be 0, and you can also go to private hospitals or even global medical treatment.
One look at the complete service, you know that the premium is higher than the average million medical treatment.
There is also micro-medical treatment in medical insurance, reimbursement of outpatient clinics and so on.
For example, there is a pediatric medical treatment, which is 600+ per year, which can reimburse 6000 outpatient clinics, and also comes with some accident protection, which can also be configured if there is a demand.
Whether to buy medical insurance or not, which kind to buy, I still say that, depending on personal needs.
My biggest worry is that I look down on being sick, I don't pursue a quality experience, I usually go to public hospitals to see a doctor, and I can afford the deductible of 12,000 yuan. For me, a million medical treatments are generally enough.
But if you say that it is usual to go to a private hospital to see a doctor, focusing on medical quality and experience, then directly on the mid-end medical and high-end medical treatment.
Critical illness insurance
Compared with accident insurance and medical insurance, critical illness insurance is a big head. Should my child buy critical illness insurance? My answer is, if you have money, buy it quickly.
Critical illness insurance is a kind of pay-off insurance that meets the conditions agreed in the contract, and no matter how much the treatment costs, the amount of insurance is directly covered.
What is the use of buying critical illness insurance for your child? In case, I mean, in case the child is unfortunate enough to have a serious illness, it is certain that the cost of treatment is certain, and someone will have to take care of it, assuming that this person is the mother.
Serious illness actually involves two large pieces of expenditure, medical expenses + loss of income of mothers.
Medical insurance can be reimbursed for the money spent on medical treatment, major illness insurance can make up for the loss of mother's income, and the cost of convalescence after discharge.
Before I became an insurance broker, I bought 2 copies of critical illness insurance for my children. One insurance until the age of 70, one life insurance, the total sum insured is 850,000, and the total premium is 4,000+ yuan.
That's one of the reasons I said hurry up and buy it – young age, serious illness insurance is cheap!
There is so much to say about serious illness insurance, I will write an article to describe it in detail, and I will not be verbose here.
Education fund
I also have a worry about my child, that I can't afford him to go to school.
Now it is too expensive to raise a child, compulsory education is to junior high school, but the interest class extracurricular class costs money, in case the child goes abroad to study, it is a big expense.
I think back then, my parents could pat their chests and say to me, "You just have to study hard, you will be provided for wherever you go", how can I say to my children, "Don't go to school, your mother can't afford you?" “
Therefore, the child's education must also be prepared in advance.
03
The most important insurance for your child
So, what is the most important insurance for your child?
First of all, there is a very important insurance that is not in the scope of commercial insurance, that is, the child's social security.
Three or five hundred yuan a year, you can enjoy the most basic security of the country, don't be lazy, you must remember to do it for your children!
For children, the most important guarantee is actually the parents. Parents are the child's dependence, is the child's most important and most important insurance.
Therefore, before buying insurance for your child, first see if your protection is in place, don't be difficult to protect yourself, let alone protect your child.
Above, what kind of insurance did you buy for your child?