However, many novice parents said that it is not so easy and anxious to take care of newborns. Apart from their confusion about parenting, they are not sure whether to buy insurance.
So what kind of insurance is suitable for newborns? Talk to you about this problem.
1. Is it necessary for newborns to buy insurance?
Many parents think it is a waste of money to configure insurance for their children. Is it necessary to buy insurance for children?
We all know that buying insurance is to reduce risks, so what are the risks in the process of newborn growth?
Dear friends, from the data released by the World Health Organization, we can know that from 2000 to 20 18, the death rate of children under 5 years old accounted for 3.9%, while the death rate of newborns was 1.8%. It's just the mortality rate of newborns and children under five.
But for newborn babies, their immune system and resistance are relatively weak, which is the high incidence stage of the disease. If the situation is serious, it is possible to be hospitalized.
According to the statistics of the World Health Organization, it can be directly seen that the incidence of malignant tumor is very high, and it has become the second most fatal factor for children. Once you are seriously ill, you need a lot of treatment expenses.
For example, leukemia, if you want to do bone marrow transplantation, you may need hundreds of thousands of dollars. After transplantation, it faces most risks such as infection, and still needs higher medical expenses and later rehabilitation expenses.
In addition, children's accidental injuries, traffic accidents, drowning, daily bumps, cats scratching dogs, colds and fever ... are all harmful to children.
After knowing the cold data of this group, ask the newborn if it is necessary to buy insurance. Senior's answer is yes!
In order to implement universal health coverage and ensure that more newborns can survive and thrive, we must configure a more suitable insurance for newborns so that they can enjoy caring care.
Therefore, it is particularly necessary to buy insurance products for newborns, but for many novice friends, they want to choose but are afraid of being cheated and don't know how to buy insurance for newborns. Don't worry, my senior sister who has been in business for 8 years tells you that it is not a waste of money to buy newborn insurance like this!
Children's insurance, the difference between different age groups.
Second, newborn insurance is bought in this way, and it costs nothing!
There are such schemes for newborns to buy insurance: newborn medical insurance, children's critical illness insurance, children's medical insurance and children's accident insurance. For families with relatively abundant funds, after all the above four compulsory insurances are purchased, if the economic budget is ok, it is no harm to consider buying an education fund for their children.
1, neonatal medical insurance
The welfare insurance provided by the state for newborns is neonatal medical insurance, which is cheap and has no insurance threshold. Whether it is congenital disease or past medical history, it is unconditionally underwritten, which is irreplaceable by commercial insurance.
For the newborn baby, the functions of all aspects of the body are still developing, and the risk of illness is high, such as jaundice, pneumonia and fever. This is very common. Once in the hospital, it will cost thousands of medical expenses.
However, from the beginning of newborn medical insurance, both hospitalization expenses and outpatient expenses in medical insurance can be reimbursed, and the premium is relatively low, which can provide basic protection for the baby. Generally speaking, a baby can go to the local community more than 28 days after birth.
2. Children's critical illness insurance
At present, children's critical illness insurance mainly covers major diseases. When the agreed disease meets the contract claim conditions and the child gets it, the insurance company will directly give an insurance premium.
Because the newborn's immune system has not been fully established, the resistance is weak, and the probability of getting sick is very high. For example, epilepsy, leukemia, hand, foot and mouth disease and polio are all serious diseases that children are easy to get.
If the newborn is unfortunately suffering from a serious illness, it will be a fatal blow to an ordinary working family.
Moreover, serious diseases need long-term treatment, which usually takes 3-5 years, and will generate a lot of medical expenses, starting from 300,000 yuan. Many families spend all their savings on treating their children, so that one of the parents may need to take a long leave to accompany their children, and the family income will drop to a great extent, even unable to maintain a normal living standard. Therefore, the purchase of critical illness insurance is not only to protect children, but also to protect families.
Critical illness insurance is a kind of payment insurance. If the baby unfortunately suffers from a serious illness agreed in the contract and meets the payment conditions, the insurance company will pay the insured a huge sum of insurance money at one time. This insurance money is freely controlled by the family, which can be used as the baby's medical expenses and can also make up for the family's economic losses. Therefore, it is very necessary to configure critical illness insurance for children.
So what are the children's critical illness insurance worth buying? Senior sister compared hundreds of children's critical illness insurance products on the market and sorted out the following list of children's critical illness insurance worth buying. Click and have a look!
"Ten super cost-effective children's critical illness insurance, don't miss this treasure raiders! 》
3. Children's medical insurance
Many people have suggested that it is necessary to start with children's medical insurance after choosing newborn medical insurance. Isn't this a waste of money?
Although the medical insurance for newborns has been started, it only covers the basic guarantee, and also defines the deductible line, the capping line, the reimbursement limit and the scope of reimbursement. So we need to choose commercial medical insurance to supplement it.
Medical insurance is actually reimbursement insurance, and all expenses can be reimbursed, which can be divided into micro-medical insurance and millions of medical insurance:
Small medical insurance is mainly used to reimburse small medical expenses. The reimbursement limit for millions of medical insurance is one million, and medical expenses are almost fully reimbursed, and social security drugs are not restricted. However, the deductible of millions of medical insurance is also relatively high, usually exceeding 6.5438+0 million yuan.
Therefore, the senior sister suggested that a small medical insurance can be configured, and at the same time, a million medical insurance can be matched to make the protection that newborns can get more complete.
4. Children's accident insurance
The key protection of accident insurance is personal injury caused by foreign, sudden, unintentional and non-disease time. Every year, 20%~40% of children die or become disabled due to accidents, and accidental injuries directly account for 26.6438+0% of the total number of children's deaths. Accident insurance is very important for newborn insurance.
Newborns are likely to swallow toys and other very small items, which we can't predict in advance. Therefore, it is very necessary to configure an accident insurance for children. When a child is injured accidentally, we can get compensation for accidental medical treatment or disability from the insurance company, which can reduce some burdens for the family.
5. Education grant
The so-called education fund is an insurance product of education fund prepared in advance for children to go to school, which guarantees the amount provided for children's educational needs at different ages. It not only has the function of saving, but also has a certain risk protection function.
Although some parents' income levels are relatively high now, there is no guarantee that there will be a crisis of unemployment in the future, so they can also prepare funds for their children to go to college and study abroad in the future.
Then it is very good to choose the education fund, which can help us to save, plan the future and resist inflation.
Third, the secret of popular newborn insurance!
There are many products about newborn insurance in the market, such as Qingyun Micro 1 owned by China Merchants Renhe, Versailles plus owned by Tongfang Global, Jingshou Bumblebee No.6, League of Nations Life Huixian 'an 2022, League of Nations Life Caritas Baby, Fosun Baode Xinxing Baby, Fosun United Healthy Mommy Baby and so on.
So are these popular products really worth buying? In fact, you don't have to choose a big company to buy insurance, and the products of small companies are also worth considering. When we choose critical illness insurance for newborns, we mainly look at the guarantee content of this product and the quality of contract terms. An excellent neonatal critical illness insurance must be all-insurance. If you choose lifelong critical illness insurance products, try to choose products that pay more. Children have a long way to go in the future, and the protection they need will be more perfect. So the probability of multiple payments is still quite high.
At present, there are quite a lot of popular financial insurance, such as the small champion education fund for merchants, the dream future university education fund annuity insurance for Hengan standard, the Taiping E-percentage education annuity, and the Taiping Sunshine Angel education fund.
The cost of raising a newborn is so high that many parents buy education fund products to protect their children's growth. As an education fund with savings insurance, it not only has the function of compulsory savings, but also provides a certain sense of security. The key is low risk, high safety factor, and the change of income is not particularly great. This wealth management product is quite good. Whether it is equipped with the policy-holder exemption protection can be described as the standard for judging excellent education funds. To be clear, with this responsibility, even if parents are unfortunately killed, they can continue to provide some financial help for their children's future growth and development.
Four, the newborn insurance lightning protection tips
Each insurance company provides different insurance conditions and protection responsibilities when designing critical illness insurance.
Like children's critical illness insurance, some products can provide protection for more than a dozen diseases, but some products can only provide protection for more than a dozen diseases, some can provide lifelong protection, some have time agreements, and some critical illness insurance products will be sold together with other products. Therefore, it is not easy to buy insurance for your baby. It is easy to be cheated if you are not careful.
Senior sister thinks we should look at other products more and see how many companies compare them. When choosing insurance products, if only one insurance company is considered, few insurance products are excellent, so compare more when buying insurance.
In addition, regarding some insurance products, the critical illness insurance and accident insurance will be bundled and sold, which is quite cost-effective. However, the scope of coverage is different from that of the two insurances. Bundled purchase may cost more money, and the more money, the less protection. Therefore, we should consider our actual needs and choose the products that suit us after comparison.
Senior sister has compiled a super comprehensive insurance strategy for you. Pay attention to these points, don't step on the pit and don't spend money!
In-depth writing-how to buy insurance for children? The netizen shouted: How can I see it now?
5. Where is the most cost-effective child insurance?
I understand the introduction of the above-mentioned senior sisters about newborns. I believe everyone knows, so what are the insurance methods for children's insurance?
If you want to buy insurance, there are two ways. The first way of insurance is offline insurance. For example, go to physical stores (offline outlets), insurance agents, banks and so on. Insure insurance products.
Offline insurance channels are close to our daily life. For example, Ping An Insurance with "million" agents, both offline agents and service outlets are all over the country, which is quite convenient.
There is a simpler way to insure online: the insurance company's own official website, APP, insurance mall and so on. No problem; There is no problem with the third-party insurance mall. For example, ant insurance in Alipay and micro-insurance in WeChat can be insured. In these two ways, everyone can insure with a little mobile phone, which is very simple!
VI. Family Insurance Configuration Plan
In addition to buying insurance for children, it is really important for parents to buy excellent insurance products themselves. Children and the elderly basically have no income, and generally rely on the support of family economic pillars. Therefore, the correct order of insurance should be: parents, children and the elderly.
Parents want to leave the best things for their children, and when they are insured, they also plan for their children first. Parents usually forget themselves. In fact, parents are the biggest umbrella for children and the backbone of a family. Therefore, before insuring children, we must first consider whether adults can improve their security.
Secondly, there are adults, children and old people in a family. Every child is the hope of the family and the wings for parents to continue their dreams. Children are often weak and vulnerable, so it is necessary to configure insurance for children.
Moreover, it is also important to take care of the elderly. After buying insurance for adults and children, the insurance for the elderly should also be arranged.
Senior students suggest to allocate insurance according to their own economic situation. The insurance premium faced by families is generally around 65,438+00% of the total family income. If the premium is too high, it will affect the family's economic life to a certain extent. If the premium is too low, it will not play a good role in protection. Therefore, we must consider the actual family situation we face and buy some insurance protection that suits us.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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