There is always a general consensus for children – they are less capable of protecting themselves and resisting than adults.
This is also an opportunity for parents to plan to buy insurance for their children. If you are also going through such a stage, you may wish to take a look, which may help you sort out some ideas, avoid pits, and avoid detours.
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What risks do children face?
1. Accidental injury
Growing children are full of curiosity about the world.
They like to stuff anything in their mouths and taste it, they are lively and active, they like to climb high and catch up, which is the nature of children.
But it is precisely because of this nature that they are the most vulnerable to accidental injuries. Accidental injuries have become the leading cause of child mortality in most countries around the world.
2. Major diseases
Illness, for adults, is unavoidable, not to mention children whose immunity is not as good as adults.
3. Parents have changed
In the first half of a child's life, the biggest umbrella is the parents.
If the parents fall before the child is underage, then the child's subsequent upbringing and continuing education will be a big problem.
Therefore, before buying insurance for children, parents' insurance must be prepared so that adults have the ability to cope with the risk of diseases and accidents.
How do I configure insurance for my child?
It is recommended to configure it in this order: children's medical insurance, serious illness insurance, medical insurance, accident insurance.
1. Medical insurance
Children's medical insurance is the welfare insurance of the state, the price is cheap, must have! And in the case of medical insurance, it will be much cheaper to buy medical insurance for the baby.
The process of children's medical insurance is also very simple, just bring the child's birth certificate and household registration book, the guardian's ID card, to the street community handling window or the social security bureau collection window where the household registration is located.
2. Serious illness insurance
Critical illness insurance must be bought, because once a child suffers from a major illness, the impact on the family is very large. Serious diseases such as leukemia are common among children.
Once a child has these problems, the cost of treatment will be very high, ranging from hundreds of thousands to millions, and the time for treatment and recovery is often very long.
In this process, the consumption of the family is unpredictable, so there must be serious illness insurance.
With this compensation, the children can be at ease to treat the disease, and the loss of income of the parents who quit their jobs/take leave to take care of the children can also be compensated.
3. Medical insurance
Medical insurance solves the problem of reimbursement for children's medical treatment, such as outpatient injections, or children with fever in the middle of the night to see the emergency department, pneumonia needs to be hospitalized, etc., the cost of these problems can be reimbursed by medical insurance.
4. Accident insurance
The focus of children's accident insurance should be: accidental medical expense reimbursement, trauma caused by small bumps can be covered, and outpatient can also be reimbursed, in the choice of products need to pay attention to the deductible, reimbursement scope, reimbursement ratio of these three aspects.