What insurance is better to buy? Senior, take a 2-year-old baby as an example to explain in depth what insurance is suitable for a 2-year-old baby? How to buy it without stepping on the thunder?
What kind of insurance is suitable for children of one or two years old?
Two-year-old children are generally equipped with these types of insurance: children's medical insurance, critical illness insurance, medical insurance and accident insurance. Regarding the above types of insurance, Senior Sister will introduce them to you one by one!
1, children's medical insurance
Children's medical insurance is a welfare issued by the state and belongs only to minors. Buying this insurance will be more cost-effective than buying other insurance. Many children's medical insurance can be bought after the child is born. It belongs to urban basic medical insurance, so the reimbursement ratio is different in different regions.
Then, if you want to know the proportion of medical insurance reimbursement in your area, you can poke here: the most comprehensive medical insurance reimbursement guide is here! 》
Because the reimbursement of children's medical insurance provided by the state is limited, the medical expenses that cannot be reimbursed include some purchased drugs and targeted drugs. At this time, commercial insurance can reflect its usefulness and can be used as a supplement. So what are the commercial insurances for 2-year-olds? Next is the explanation about this!
2. critical illness insurance
The high incidence of childhood diseases is not uncommon. For example, childhood leukemia, severe hand-foot disease. If you want to treat a seriously ill child, the cost is beyond the reach of ordinary families. Many parents have to leave work to take care of their children, which seriously affects the normal life of their families.
Therefore, critical illness insurance is very important for children and parents. Essentially, it is income loss insurance. Generally used for medical expenses compensation and income compensation. The former is to solve the problem of expenses after illness, while the latter mentioned above is to make up for the loss of income when parents are unable to work due to illness.
If you buy serious illness insurance for a 2-year-old child, if the child unfortunately suffers from a serious illness stipulated in the clause, the insurance company will immediately pay compensation according to the determined amount. Therefore, after a child has a serious illness, not only can he not worry about the cost of treatment, but he can also reduce the risk of family economic collapse!
3. Medical insurance
After purchasing critical illness insurance, some parents will think, is medical insurance still necessary?
Medical insurance can't reimburse all the treatment expenses, but it can make up the rest. Its nature is compensatory, that is, according to the contract, you can spend as much as you want.
Medical insurance is generally divided into three categories, namely, small medical insurance, millions of medical insurance and high-end medical insurance, and millions of medical insurance is the most economical of these three types of medical insurance. The reason why people are most worth buying millions of medical insurance is because they can reimburse medical expenses beyond the scope of medical insurance. For those medical insurance such as purchased drugs, targeted drugs and imported drugs that are not reimbursed, these millions of medical insurance can be reimbursed, and the premium is relatively low, so there is no need to spend hundreds of thousands of premiums.
This excellent list of millions of medical insurance compiled by the school sister must be carefully checked: "The ranking of millions of medical insurance is freshly released! 》
4. Accident insurance
Children's safety hazards are higher than those of adults, because they know nothing about the dangers. Some accidents that may happen at any time, such as bumps, falls, burns, etc. , more common in children, so be sure to buy accident insurance with accidental medical treatment. Some medical expenses can be reimbursed in proportion, as long as they are caused by accidents.
It is generally recommended to buy one-year accident insurance, which is low in price and high in cost performance. The insurance threshold is very loose and there is no relevant health notification clause. Choose the cheapest, very good!
These are all insurances suitable for 2-year-old children. What problems should I pay attention to when buying insurance for a 2-year-old child? Let's have a look!
What are the precautions for 2-year-old children to buy insurance?
Regarding the problems that 2-year-old children should pay attention to when buying insurance, Senior Sister has compiled several items as follows:
1, 2-year-old children do not need to configure life insurance.
2-year-old children do not need to configure life insurance. Because 2-year-old children don't need to bear family financial responsibility, they don't consider configuring life insurance when buying insurance.
What's more, there is an upper limit on the protection of children's death in China Banking and Insurance Regulatory Commission. Even if they buy life insurance, their protection will be limited.
2. Guarantee first and then manage money
I believe many novice parents know about the education fund! Many newborn children are worried about their future education by novice parents. Financial insurance such as education funds has attracted a lot of attention.
However, if the life, health and safety of a 2-year-old child cannot be guaranteed, then the allocation of education funds is not worth mentioning.
This kind of thing is not uncommon. For example, some parents allocate education funds when their children are 2 years old, but the children are seriously ill the next year. At this time, education funds can't help. Therefore, we must first ensure the personal safety of children, and then consider buying education funds.
Of course, some parents may not agree with the above statement, so read this article before making a decision: "Parents must read: Is it necessary to buy education insurance?" How to choose the right product? 》
Write it at the end
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