1. Do I need to buy life insurance for my children?
Whether the child's insurance needs to be purchased for life, first of all, you need to find out what insurance the child has. Children's education should be taught in accordance with their aptitude, and buying insurance is naturally to protect the risks that need to be transferred at this particular age. For example, life insurance, insurance money is left to families to make up for the impact of the sudden death of the insured on families. This kind of insurance is necessary for the family, but it is not necessary for the growing children with small family responsibilities.
The protection that children need should be: critical illness insurance+medical insurance (millions of medical insurance and hospitalization insurance)+accident insurance, and the basic health insurance is perfect enough. On this basis, buy insurance such as education fund.
Among these three types of insurance: critical illness insurance is divided into fixed-term and life-long, and the protection period of fixed-term critical illness insurance is 20 years /30 years/a certain age; Medical insurance and accident insurance are basically one-year insurance. In addition to millions of medical insurance, renewal is guaranteed. For example, Ping An E life insurance (guaranteed renewal version), which is popular in Wutongshu Insurance Network, can guarantee 6-year renewal. So the main doubt is whether children's critical illness insurance products should be bought regularly or for life.
1. Is the critical illness insurance for children lifelong or regular?
Buying children's critical illness insurance for life or on a regular basis is nothing more than two concerns-premium and guarantee period: lifelong critical illness insurance covers all stages of life for a long time, but the premium is relatively high; The premium of regular critical illness insurance is low, but once a serious illness occurs, the chance of successful reinsurance is very small and the guarantee is lasting.
In fact, it is more important to buy critical illness insurance, whether for children or adults, than to "protect the height". The first thing parents should think of is to determine the amount of insurance, and then choose the guarantee period according to their own budget. If you want to buy lifelong critical illness insurance, the budget is sufficient, and you want to buy it. If the budget is limited and you want to buy lifelong critical illness insurance, it is not necessary.
We use a high-profile critical illness insurance on the buttonwood insurance network-Fosun and Mommy Babe's critical illness insurance for children to illustrate. This product is a standard critical illness insurance for children, and the insured age range is 30 days after birth-17 years old. The guarantee period can be 20/25/30 years or 70/80 years/life.
Make sure the insured amount is 500,000 first. Within the corresponding guarantee period, the payment period is the longest:
As far as Mommy Baby is concerned:
Because the children are small, the premium is originally low. If you are guaranteed to be 70 years old, you will be guaranteed for life, and it will be paid in 30 years. The premium gap is not big. It is more cost-effective to choose life.
If it is guaranteed for 30 years (20 years), the premium is obviously much cheaper. Even families with a small budget can afford high insurance coverage for their children;
(3) After the child-specific disease protection is added, the premium difference is very small, so it is recommended to buy it.
Then, after determining the insured amount, do you need to buy lifelong children's insurance? Ma Bao, just look at their own budget.
1. Comparison of children's critical illness insurance products
In addition to the guarantee period, the child's critical illness insurance, the number of payments, etc. are also issues worthy of consideration. I have selected 6 models of buttonwood insurance net selling critical illness insurance, all of which are outstanding in similar products. Combined with your own budget, which product is the most cost-effective and suitable for you?
From the perspective of guarantee period: Hui Xin 'an can only choose regularly; Mommy Baby, Kang Huibao and Le Kang Lifelong 20 19 are all life-long optional. The perfect guardian of life can only be selected for life;
From the additional protection of children's specific serious diseases: Huixin 'an covers 8 kinds of children's specific diseases and pays double compensation; Mommy Baby covers 18 kinds of children's specific diseases and five kinds of children's rare diseases. Kanghuibao (Ultimate Edition) covers six specific diseases of silly children, with an extra 30% payment; The perfect life guarantee covers 10 kinds of children's specific serious diseases, with double compensation; However, Lekang Yisheng 20 19 and Tongxin Guardian include the second payment for cancer and the extra payment for serious illness.
From the premium point of view: regular critical illness insurance is cheaper than lifelong critical illness insurance, and single payment of critical illness insurance is cheaper than products that have been paid for many times.
How should I choose?
1. Budget is tight-30-year term: Hui Xin 'an/Mommy Baby's critical illness insurance, with a coverage of 500,000 and a premium of only 600,000. First protect the immediate future, and then extend the protection period until the income increases;
2. Ma Bao has sufficient budget-single payment type critical illness insurance covers 70 years old/lifetime; Kang Bao Hui (flagship edition)/Le Kang covers 20 years old19, and covers 50 years old, with a premium of about 2,000 yuan a year. At the same time, because the premium gap between 70-year-old and life insurance may not be big, you can contact the WeChat group of Wutongshu Insurance Network (181205121) to help you calculate in detail, try your best to achieve high insurance coverage within the budget, and also extend the protection period;
3. Adequate budget-multiple payments for life-long critical illness insurance: The perfect life-long critical illness insurance is a life-long product that pays multiple payments (5 times) for children's critical illness and special diseases.
4. High-income families-regular+lifelong:
Perfect life protects critical illness insurance. After the insured is exempted, the annual premium is 3306 yuan; Mommy Baby Children's Critical Illness Insurance provides additional protection for children's specific diseases, and the annual premium is 585 yuan. The total premium in the first 20 years was 389 1 yuan, and after 65438+3306 yuan in 2000, you can get a high amount of 1 10,000.
Write it at the end
Children are young, while in good health, medical records should not be too much, and the premium is low. Buy a guarantee as soon as possible. Whether it is life-long or regular critical illness insurance, whether the budget is several hundred yuan, one or two thousand or three or four thousand, it can provide children with very sufficient critical illness insurance protection.
There are many cost-effective products, buttonwood insurance network, waiting for you to discover! Also want to know more about children's medical insurance, accident insurance and other products. Come to Wutongshu Insurance Network WeChat Group (18120 565121) to provide lifelong free insurance consultation and insurance tutorials, and make the most cost-effective family policy for you!