Second, the allocation order of children's insurance: accident insurance > medical insurance > critical illness insurance > insurance financing.
Accident insurance: children are lively, and it is inevitable that they will fall, burn, get an electric shock and be bitten by cats, claws and dogs. Therefore, a child accident insurance is the most important and best choice!
Critical illness insurance: The main purpose is to prevent children from getting seriously ill and causing property losses to their parents. I didn't introduce the one-year critical illness insurance, so it's no problem as a connection, because there is the risk of renewal and suspension of sales.
Medical insurance: in addition to personal social security, it is essential for children, such as many hospitalization thresholds, children's nutrition drugs, imported drugs and bed fees. Social security reimbursement is limited and should be used in time.
Education fund: If the basic security is complete, you can choose the children's education fund, but many families have unreasonable investment and financial allocation, which leads to the lack of serious illness protection in the middle and late stages.
How to buy accident insurance for children to choose serious illness+education gold insurance?
Accidents and diseases are two key risks in children's growth. For seven-year-old Liu Rui, there is accident protection. Therefore, when Mr. Liu Can chose child insurance for his son, he paid great attention to children's health protection. However, in the protection of children's physical and mental health, the risk of serious illness of children is more concerned.
After all, for ordinary families, the serious illness of children is a very big financial risk, so it is suggested that Mr. Liu should pay close attention to the protection of serious illness when choosing children's health insurance for his son. It is suggested that Mr. Liu reconsider his son's education fund guarantee under the condition of all-round basic guarantee. In terms of specific steps, it is suggested that Mr. Liu give priority to handling children's medical insurance for his son at the place where he is registered, so that he can reimburse medical expenses in combination with his son's minor problems.
AIA "coloplast" critical illness insurance (for children only) is a critical illness insurance product tailored for children aged 0- 16, covering 42 kinds of critical illness. In addition, after the insurance wealth management products expire, they can be returned to the education fund and directly used for children's future education expenses.
Meet the needs of Mr. Liu to choose children's insurance for his son. According to the analysis of family income in Rui Liu at this stage, it is suggested that the critical illness insurance coverage should be more than 654.38+10,000 yuan. You need to pay 2760 yuan a year to take care of your son's serious illness and education security. You can kill two birds with one stone by buying insurance, and the insurance cost is still within the economic conditions of Mr. Liu's family.