Let the baby grow up happily is the biggest wish of parents. With the deepening of the concept of insurance, many young parents choose insurance as the first choice gift for their children. However, there are many kinds of children's insurance. I would like to remind friends who want to buy insurance for their babies that they must choose an insurance that really suits them according to their income and insurance needs.
According to the difference of family annual income, the emphasis we should consider when buying insurance is different. For ordinary families, it is necessary to give priority to guaranteed insurance. Generally speaking, most children will buy Xue Ping insurance at school, and the annual premium of Xue Ping insurance will generally not exceed 100 yuan, covering accident insurance, accident outpatient service, hospitalization and so on. However, the insurance coverage is not high and the compensation is insufficient. Therefore, for families with average income, while taking out Xue Ping insurance, they can also consider taking out commercial accident insurance and critical illness insurance to increase the protection for their children. For families with relatively superior conditions, on the basis of improving accident protection, we can consider buying an education savings insurance for their children. This can not only solve the problem of children's future expenses of going to high school, university or studying abroad, but also serve as a long-term family financial planning.
Finally, remind our parents not to fall into the following three misunderstandings when buying insurance for their children: misunderstanding one, only consider children and ignore parents. Myth 2: only consider accidents and general medical care, ignoring the protection of major diseases. Myth 3: Buying education savings insurance only depends on the income, not the protection.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.