After a few months of delay, I finally bought the baby insurance!
Baby insurance don't mess around, because it's too easy to step on the pit! Many people either buy expensive or buy wrong
In order to study the insurance, I dragged it out for several months, and finally only spent more than 1,000 to get the baby insurance in order!
If you want to buy the right insurance, the most important thing is to avoid these pits first!
Don't give your child M life insurance (kids don't need life insurance!). ）
Do not want M bundled, participating insurance (expensive premium, incomplete coverage)
Do not M return type insurance (wool is out of the sheep, spend 2 parts of money but only enjoy 1 part of the protection)
For babies, there are 4 types of insurance that are really useful and inexpensive:
National Wool: Children's Health Insurance
The welfare of the state to newborns is the most important and cheapest type of insurance, which can reimburse the cost of the baby's medical treatment and hospitalization, generally 50%-90% of the reimbursement
Processing time: within 3 months after the baby is born
Cost: Just over 200 a year, very cost-effective!
Millions of medical insurance
You can reimburse the medical expenses caused by serious illnesses, make up for the part that social security cannot reimburse, and solve the problem of expensive medical treatment for children
Recommendation: Preferentially choose to ensure a long renewal time, value-added services should be comprehensive, including medical green pass, medical advance payment, proton heavy ion therapy, etc
Recommendation: Pacific Medical Hassle-Free (Guaranteed 20-Year Renewal)
Critical illness insurance
As long as you suffer from a serious illness under the terms of the contract, you will pay a large sum of money at one time to make up for the loss of income for parents to take care of their children
Recommendation: Focus on the sum insured, it is best to choose to protect for life, and the high incidence of diseases in children should be comprehensively protected
Recommended: Hui Xin An 2022, Bumblebee No. 6, Qingyun Wei No. 1
Accident insurance
Accident medical treatment, whether it is a fall burn, or a cat or dog bite, etc., can be reimbursed, and in case of death/disability, it will also lose money
Recommendation: Priority is given to accident medical treatment 0 deductible, 100% reimbursement, under 10 years of age death insurance amount should not exceed 20w
Recommendation: Ping An Children's Comprehensive Accident Insurance, Ping An Little Naughty Child
The above 4 types of insurance must be completed first, so that there can be a more comprehensive protection
If you have idle funds and want to leave a sum of money for your baby, you can allocate more education funds
If you still don't know how to choose after reading it, you can always find the big white Oh~
