How old can I buy insurance?
How to buy children's insurance? This is a common problem faced by parents in buying insurance for their children. Experts say that friends who have bought insurance know that, in general, the sooner insurance is bought, the lower the premium. For the family, the principle of insurance for children is also followed. The sooner you buy insurance, the lower the premium paid by parents, and the sooner the child can get protection. However, if parents start thinking about insuring their children from now on, they may choose the right insurance products for their needs at different ages.
0-6: Accident insurance + children's medical insurance + health insurance
In general, the baby can be insured for medical insurance after 28 days of birth. Children aged 0-6, in the preschool age, are most likely to get sick and have small accidents. Therefore, it is necessary to prepare a medical insurance and accident insurance for the child. At present, major diseases are tending to be younger and younger, so you can choose health insurance to share your child's medical expenses. Inpatient medical insurance is divided into reimbursement categories and stickers, which can be purchased separately or in addition to the main insurance.
3 After: accident insurance is indispensable
3 After the child is more naughty and active, but lacks self-protection ability, accident insurance must be increased. Generally speaking, after the child enters the kindergarten, the kindergarten will uniformly apply for accident insurance. At present, the accident insurance on the field is consumption-oriented. The first category is accident insurance with a “one-year” insurance period. It protects the child’s death and disability caused by various accidents, such as paying 100,000 yuan a year. The second category is very short-term accident insurance, such as accident insurance, travel accident insurance, aviation accident insurance, etc., only to guarantee accidents on the tools or during the travel period, such as 3 days, 5 days, 10 days or a tourist period, etc., the price is cheap and The amount of insurance is high.
7-12: Education Gold Insurance + Medical Insurance
Children in the primary school stage of 7-12, should be based on education funds, medical insurance. Because of the age, the purchase of child insurance is relatively expensive, and you can choose insurance with cash back function when you apply for insurance.
12 After: Xueping Insurance + Residents' Health Insurance + Critical Care Insurance
More than 12 middle school students are insured. First, they should have a resident medical insurance. If they can't do residential medical insurance, they can purchase the school's unified insurance. Insured a flat insurance, the premium is very low, and the guarantee is not bad. If the above two types of insurance cannot be insured, you can purchase a child's Beibei card separately, the premium is only 220, the hospitalization medical insurance is up to 100,000 per year, the accident and death insurance is 100,000, and there are serious illnesses and accident clinics. The price is relatively high. If the conditions permit, you can also insured your child with a lifelong critical illness insurance and choose a dividend insurance policy to properly resist inflation.
Jintou Insurance Network experts pointed out that buying insurance should follow one of the most basic principles: first protect parents, especially those with the highest financial contribution of the family. Taking this "curve to save the country" approach, first of all, the effort to protect yourself and your spouse. Because if the family loses economic ability as a pillar, the directly caused family economic difficulties will directly affect the child's life and study. Only when the family pillar is adequately protected can the child’s risk be minimized.
[Insurance knowledge] How to use child insurance immunity?
The exemption clause in child insurance stipulates that during the contract period, if the insured has an accident or loses the ability to pay, the unpaid premium can be waived and the insurance coverage of the insured is still valid. Therefore, it is best for parents to choose products with exemption clauses when purchasing child insurance for their children. In the case of children's insurance for children who have been paying for more than 10 years, it is more necessary to attach an insured person's exemption. At the same time, the qualification of the insurance premium exemption can best cover the various risk situations that the insured may have, such as death (accidental death) Or illness, accidental disability, serious illness, etc., so as to maximize the premium exemption as a "guarantee".
There are three main forms of premium exemption on the spot: one is as a separate additional insurance and can be matched with any main insurance; the other is as an additional risk tied to a specific main insurance; the third is directly in the insurance contract in the form of clauses. appear. According to experts, at present, most of the insurance exemptions need to be paid for, rather than the “free lunch” of insurance companies. Different types of insurance and different exemptions of insurance companies will have an impact on premiums. However, the premiums for exempt insurance will generally be maintained at around 1% of the main insurance premiums.